The card for people with poor credit

  • Easy to manage credit limit from £150 - £1,000
  • You could get a credit increase on your 4th statement*
  • Further increases possible every 4 months, up to £3,000*
  • Thousands of great discounts with Granite rewards
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Representative 34.9% APR (variable)
* to be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over the limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase.

Granite Rewards gives you access to thousands of new and exclusive deals from leading UK retailers. Each reward provides a discount or money off when you order with a participating retailer.

Unlimited rewards. You can use as many rewards as you like across a huge range of products and services.

We are adding hundreds of new rewards every week however some rewards are only available for a short time so check back regularly to make sure you don't miss a deal.

These offers are examples only and may not be current.

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Pizza Express
The Body Shop

  • No annual fee
  • A credit limit assigned at a fixed amount to help you stay in control
  • Up to 56 days interest free on purchases
  • Free additional cardholder
  • Free fraud monitoring to warn you of any suspicious activity on your account
  • Chip & PIN technology for added security whenever you use your card
  • Visa is widely accepted in the UK & abroad
  • Convenient for paying online & over the phone
  • A friendly UK Customer Service call centre
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If you have any questions about the granite Visa Card, or it’s suitability for your needs, then please read our frequently asked questions page, and read our Card Summary. To find out more about Repayment Option Plan, an optional feature of your account, click here.

Even though I know my
credit rating was poor I was
treated like a human being
and that meant more to me
than getting credit.
Tom* - Northampton
I'd had real problems getting credit
in the past because of my
credit score. Granite accepted
me and has been a real
credit lifeline.
Sophie* - East London
Thanks for your support and
for believing in people like me,
caught out during the credit
crisis. I will remember this
support with loyalty during
the good times ahead
Julian* - Coventry
*real case, but identity has been changed
Apply Now
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