118 118 Money Credit Cards

A credit card from 118 118 Money might be the right one for you

Starting out as a directory enquiries service, 118 118 Money launched in 2013. It provides personalised financial solutions and recently introduced the first ever subscription-based credit card on the market

Aiming to shake up the traditional UK financial services industry, 118 118 Money understands that life can be unpredictable and surprising. Its aim is to provide personalised financial solutions to help people handle whatever lands in their path.

In an attempt to challenge the status quo, 118 118 Money introduced the Money Card – the first ever subscription-based credit card. The card has one simple and fixed monthly fee and no other fees. Its customer centric approach means it’s focused on encouraging people to embrace good financial habits and improve their credit score.

Compare 118 118 Money credit cards - Sorted by APR

Your personalised chance of approval

We've used the details you gave us to show you how likely you are to be accepted for each card.

Why is this important?

Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.

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Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.

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If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.

If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.

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In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check.

You'll need to pay a monthly fee, with the amount depending on your credit limit: £8 per month for a £250 credit limit, £14 per month for £500, and £17 per month for £1,200.

You'll need to pay a monthly fee, with the amount depending on your credit limit: £8 per month for a £250 credit limit, £14 per month for £500, and £17 per month for £1,200.

118 118 Money

Balance transfer

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Purchases

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Rewards

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Purchases

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How to check if you’re eligible for a 118 118 Money credit card

It’s easy to see if you are eligible for a 118 118 credit card before you apply. Simply enter your details into the MoneySuperMarket Eligibility Checker and you’ll be able to browse what deals you are likely to be accepted for. Doing it this way won’t create a ‘hard check’ on your credit file and so won’t affect your credit score.

How to apply for a 118 118 Money credit card

Once you have filled out your details in the Eligibility Checker, you simply select what deal is right for you and click through to apply.

How to manage your 118 118 Money credit card

You can manage your credit card with 118 118 Money online through the website, or by telephone. Extreme customer focus means you can get assistance throughout the application process and with managing your repayments, should you need it. Find all the contact details here.

 

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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