Marbles credit card review

1 min Read Published: 29 Nov 2022

Marbles credit card review In this review, we consider the merits of the marbles credit card, which is a credit-builder option from the same parent company as providers Aqua and Opal.

All three offer credit cards for those with poor credit that include features to help build up their credit records over time.

Key facts about the marbles credit card

  • Best for: Those with poor credit looking for a straightforward card.
  • Introductory offer: No introductory offer.
  • Representative APR: 34.9% variable.
  • Fees: No annual fee.
  • Perks: No specific perks.

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We’ve teamed up with Creditec

  • Find out what credit cards you are eligible for
  • This will not affect your credit rating
  • 26.5% APR Representative (variable)

Check your eligibility*

Pros of the marbles credit card

  • Provides you with a tool to improve your credit rating over time if you manage it correctly.
  • Interest free for 56 days on purchases, if you pay the balance in full on time each month.

Cons of the marbles credit card

  • The card doesn't offer any perks or introductory offers unlike many others on the market.
  • Initial credit limit as low as £250 - although it could be as high as £1,200 - subject to status.
  • Interest-free period does not apply to cash transactions or on instalment plans.

How to manage your payments on the marbles credit card

Cardholders can manage their accounts online and receive e-notifications when they are reaching their credit limit.

How to find out which credit card is best for you

We have teamed up with Creditec* to help you compare credit card deals and check your eligibility in minutes. You will be able to find out which credit cards you are most likely to be accepted for through a soft credit check, which will not affect your credit score. You can then tailor your personalised list to sort cards by the features that matter most to you. This could mean filtering for the type of credit card you want, sorting the list by the rate of interest or highlighting the cards you are most likely to be successful in applying for. You can click here to compare deals*.

How to apply for the marbles credit card

The first step is to use the online eligibility checker, which will show whether you are likely to be accepted for the card without leaving a mark on your credit report. If successful, you will be guided through the online application process.

Alternatives to the marbles credit card



If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.