Making credit history with
Pillar Card

Credit limit up to £10,000. No overseas & ATM fees. Build your credit scores.

Representative Example
Representative APR
34.9% (variable)
Based on a £1,200 limit
Purchase Rate
34.9% (variable)
£0 monthly fee
Your credit score may go down as well as up and will be impacted by factors such as making repayments on your Pillar card and other credit providers. Failing to make your contractual payments may lead to a decrease in your credit score. Credit is subject to application and status. T&Cs apply.
Score may go down as well as up.

How it works

Pillar Card is a credit card for people with little-to-no credit history in the UK. We assess you by connecting your bank account and analysing your spending patterns.

Plus, if you have recently arrived to the UK, we have your back and will assess you based on your international credit history so you won't have to start your credit journey from scratch.

High credit limits.

Borrow what you need with a credit limit up to £10,000. Our fully loaded credit card is around the corner!

The Credit  advantage.

Transactions higher than £100 are purchase protected*. Your card is travel-ready, there are no extra fees when spending abroad. As it should be!

Pillar credit card and phone screen.

Unlock credit opportunities

Eyeing your first home in the UK? Your card builds credit with the three main UK credit reference agencies, helping you unlock better financial opportunities.

High credit limits.

Borrow what you need with a credit limit up to £10,000. Our fully loaded credit card is around the corner!

The credit advantage.

Any purchase higher than £100 is protected, perk of spending on credit*. Your card is travel-ready, there are no extra fees when spending abroad. As it should be!

Unlock credit opportunities.

Eyeing your first home in the UK? Your card builds credit history with the three main UK credit reference agencies, helping you unlock better financial opportunities.

Frequent questions

Why a Pillar Card?

For people that have never used credit cards, they are often associated as "the thing you pay with to get rewards when you're rich". However, not all cards are reward cards. At the heart of credit cards is well... credit. The main benefit of a credit card is the amount available for you to borrow, the credit limit that will help you to spread out the cost of a purchase or give you that little extra until next payday.

We've designed the Pillar Card to be functional, a credit builder credit card with a high credit limit but still accessible to people that are starting out with their credit journey in the UK. And when we say credit builder, we mean it: not only will Pillar Card help you build your score with the three main credit reference agencies in the UK, but if you're an international we might also try to help you with your credit footprint back home if you so wish to.

I’ve just arrive in the UK, can I still apply?

Yes! You are exactly the person Pillar is designed for. We are the first credit card to assess you based on your global credit history, not just your history here in the UK.

It takes credit to build credit but accessing credit products in the UK when coming from abroad can feel like an impossible task. We’re on a mission to fix that.

What's the maximum credit limit available?

The maximum credit limit of a card is the highest amount of money you can spend using the card. With the Pillar Card you can be eligible for up to £10,000 to spend on credit. Keep in mind that even when spreading the cost of your purchases you will have to eventually repay what you’ve spent on credit plus any additional interests that were added as a result of spreading your repayments in time.

Can I apply if I don't have a credit score?

Yes, absolutely. Pillar is here to help you build a credit score. As long as you’re eligible and can meet our affordability assessment, you can join Pillar and begin building your credit score.

Our product was developed to help people just like you with little-to-no credit history in the UK, so if you’re an international you are at the right place!

What does APR mean?

APR (Annual Percentage Rate) is a representation of the total cost of credit and can include the interest rate (or purchase rate) as well as any additional fees like a monthly subscription. It’s a really useful way of comparing the cost of credit as it provides a standard format for you to compare against different credit providers.

Monitor your credit scores with Pillar. It's free!