118 118 Money credit card review UK, fee-free credit builder with no overseas fees
How the 118 118 Money credit card helps rebuild your credit in the UK with zero fees and no overseas charges
Straightforward UK credit builder
The 118 118 Money credit card is aimed at people in the UK who need a simple, no-nonsense credit builder. It’s designed for those with imperfect credit scores who want a predictable card without hidden charges.
With a clear representative APR and an easy online application, the 118 118 Money credit card keeps things transparent. That makes it easier to plan repayments and rebuild credit without surprises.
Costs, APR and overseas use
One of the standout selling points is the no annual fee and no overseas fees on purchases, so using the card abroad won’t trigger foreign transaction charges. Despite the “no fees” positioning, cash withdrawals carry a 3% charge and the representative APR is high at 49.0% variable — typical for credit-builder products.
It’s important to avoid carrying a balance whenever possible: the 49.0% APR makes it expensive to borrow. If you pay balances in full each month, the 118 118 Money credit card can act as a low-friction way to demonstrate good payment behaviour to credit reference agencies in the UK.
Managing the card and building credit
Account management is handled through a straightforward online portal and mobile app, making it easy to set up direct debits, check your balance and view transactions. These tools help you stay on top of payments — a key factor in improving your credit score.
Using the 118 118 Money credit card responsibly — small, regular purchases and on-time payments — is the quickest route to rebuilding credit. The card’s predictable terms and guaranteed credit limit when accepted make monthly budgeting simpler for many customers.
Who should apply and final tips
The card suits people in the UK who need a basic credit builder with no foreign transaction fees and no annual charge. If you travel occasionally and want to avoid overseas fees, the 118 118 Money credit card is a practical choice, provided you clear the balance each month.
Before you apply, use the soft-check eligibility tool to see your chances without harming your credit score. Compare offers from other credit-builder cards as well — some may offer lower APRs or introductory features — but for clear terms and no overseas fees, this card remains a strong contender.