Thimbl credit card review 2025: Features, eligibility and how it works
Editor, Credit Cards: Michelle Blackmore
Last Updated: August 22, 2025
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
If you’ve been turned down for a credit card before, or you’re looking to get your first credit card, thimbl could be worth a look. It’s a simple, no-frills card aimed at helping people build or rebuild their credit over time. In this review, we explain how it works, eligibility, and who it might be suitable for.
What is the thimbl credit card?
The thimbl credit card is a credit builder card positioned as an alternative credit card for people who may not qualify for better rates or perks such as cashback or reward credit cards.You can apply online for a thimbl credit card by taking a free eligibility check, so you can see your likelihood of approval without affecting your credit score.
While thimbl might be a newer name compared to high street banks, it is fully regulated and takes a responsible approach to lending.
How does the thimbl credit card work?
The thimbl card functions like a standard credit card but is tailored for people with limited or no credit history. Here’s what to expect:
You may receive a lower starting credit limit to help you borrow more responsibly. If you make payments on time and stay within your limit, your account will be automatically reviewed for credit limit increases. You don’t need to apply manually if you’re eligible, you’ll be notified.
Interest is charged if you don’t pay the full balance, and rates are typically higher than standard cards because thimbl is a credit builder card. However, you have up to 35 days to repay in full before any interest is applied. By consistently clearing your balance during this period, you can avoid interest charges entirely.
The thimbl credit card is accepted anywhere Mastercard is supported, including online and abroad. It also comes with contactless functionality, allowing you to make purchases up to £100 quickly and securely.
thimbl does not charge foreign transaction fees, unlike many entry level credit cards. This makes it a useful option for spending while travelling. In addition to no fees abroad, thimbl also states that there are no hidden charges or surprise fees. You can manage the card and payments through thimbl’s online portal or mobile app.
Key features of the thimbl credit card include:
- No annual card fees
- Accepted anywhere Mastercard is supported, including abroad
- No foreign transaction fees
- Up to 35 days interest-free if you repay in full
- Automatic credit limit reviews
- Contactless payments up to £100
- Manage your account entirely online or via the mobile app
If used responsibly, the card can help demonstrate good borrowing behaviour and strengthen your credit profile with the UK’s major credit reference agencies.
Who can apply for a thimbl credit card?
thimbl is designed for people who are either applying for their first credit card or looking to repair a thin or poor credit file. The below are the current requirements to apply for a thimbl credit card:
- You must be a new customer and not already hold a Zable credit card
- You must be employed and earn a net income of at least £800 per month
- You must have a UK bank account and a valid debit card
- You must have at least one active credit account that has been open for 12 months or more
- You must not be bankrupt or have an active Individual Voluntary Arrangement (IVA) on your credit file
The application begins with a soft credit search. This allows you to check your eligibility without affecting your credit score.
How do you apply for the thimbl credit card?
You can apply for the thimbl credit card entirely online, and the process should start with a soft credit check so you can see your chances of approval without affecting your credit score. Here’s how you can apply:
- Check your eligibility: Take a free eligibility check with no impact on your credit file.
- Review your personalised offer: If eligible, you should be able to see the credit limit and APR you’re being offered, based on your financial profile.
- Complete your application: If you’re happy with the offer, you can proceed. A hard credit check will be conducted before final approval.
- Receive your card: If approved, your thimbl credit card will be issued by Lendable Ltd and managed through the Zable app.
The whole process typically takes just a few minutes, and you’re usually notified instantly if you’re approved.
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
Credit limit increases with thimbl
thimbl offers an initial credit limit typically between £200 and £2,000, based on individual affordability and credit profile. After a period of time, thimbl automatically begins reviewing your account periodically.
If you have used the card responsibly by making payments on time and staying within your credit limit, you may be offered an increase. Credit limits can rise up to a maximum of £4,000. You cannot request an increase manually as all changes are made based on internal reviews.
If you are eligible, you will be notified and given the option to accept or decline the increase. Accepting a higher limit may help improve your credit utilisation, which can support your credit score when managed well.
thimbl credit card reviews and customer feedback
Customer reviews of the thimbl credit card are generally positive. Many users highlight how quick the application process is and how easy it is to manage their account through the app or web portal.
thimbl currently has a strong presence on Trustpilot with a high overall rating. Customers mention helpful support staff, clear communication, and the ability to build credit.
Some reviewers mention that the initial credit limit is modest and that the interest rate is higher than mainstream cards. However, this is typical for credit builder cards and expected when offering cards to customers with limited credit history.
How does thimbl compare to other credit builder cards?
thimbl sits alongside other UK credit builder cards like Zable, Vanquis, and Aqua. These types of cards are designed for people with little or limited credit history, and most share similar features.
What you can generally expect from these cards, including thimbl:
- A soft credit check before you apply, so you can see your eligibility without affecting your credit score.
- A mobile app or online portal to manage your account and payments.
- Credit limit reviews over time, based on how you use the card.
- Usually no rewards, cashback, or travel perks as these products are focused on helping you build or repair credit rather than offering extras however always keep an eye out for any promotions they may make.
If you’re looking to build credit with a straightforward card and no annual fees, thimbl may be worth considering especially if you’re eligible.
Frequently asked questions about the thimbl credit card
How do I apply for a thimbl credit card?
You can apply for a thimbl credit card online, starting with a quick eligibility check that won’t affect your credit score. If you’re pre-approved, you’ll receive a personalised offer based on your credit profile. From there, you can complete your application and, if successful, your card will be issued by Lendable Ltd and managed through the Zable app.
Can I check my eligibility for thimbl with a soft credit check?
Yes, you can check your eligibility for free without any impact on your credit score using an eligibility checker. This allows you to see if you are likely to be approved without leaving a mark on your credit report.
Who can get a thimbl credit card?
To be eligible for a thimbl credit card, you must be at least 18 years old, live in the UK, and have some form of regular income. You do not need a perfect credit history, and the card is designed to help people build or rebuild their credit over time.
What is the APR on the thimbl credit card?
The representative APR for the thimbl credit card is typically higher than standard cards, as it is aimed at those with limited credit histories. While rates may vary, it is important to read the full terms and understand what APR you are being offered before applying.
Can I use the thimbl credit card abroad?
Yes. The thimbl credit card is accepted anywhere Mastercard is supported, including outside the UK. It also comes with no foreign transaction fees, making it a practical option for travel spending.
Can thimbl help build your credit score?
Yes. By using the thimbl credit card responsibly, making on time payments, and staying within your credit limit, you can improve your credit score over time. Your activity is reported to major UK credit reference agencies, which can positively impact your credit profile.
Does thimbl increase your credit limit over time?
Yes. thimbl offers an initial credit limit between £200 and £2,000. After a period of time, your credit limit will be reviewed automatically. If you use the card responsibly, you may be offered a credit limit increase up to £4,000. You cannot request this manually. You will be notified and can choose to accept or decline the offer. If you choose to accept the increase, ensure you can keep up with the repayments and remember that paying off the balance each month in full prevents you from paying any interest at all.
Is thimbl a legit?
Yes. thimbl is a credit broker and a trading name of Digitonomy Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). The thimbl credit card is issued by Lendable Ltd, a trusted and responsible UK lender.
Lendable is authorised and regulated by the FCA. and is rated ‘Excellent’ on Trustpilot (as of January 2025).
What is the relationship between thimbl, Zable and Lendable?
thimbl is a credit card brand that works with Zable, which is a trading style of Lendable Ltd. If you check your eligibility for a thimbl credit card and choose to proceed, you will be redirected to the Zable website to complete your application. If approved, your card will be issued by Lendable Ltd and managed through the Zable app. Although the card is branded as thimbl, your account and servicing are handled by Zable, including credit limit reviews and customer support.
Who is Lendable Ltd?
Lendable Ltd is the trusted and responsible provider of the thimbl Credit Builder Credit Card.
Lendable Ltd is authorised and regulated by the FCA, and is rated ‘excellent’ on Trustpilot as of January 2025.
Where can I find reviews of thimbl?
You can find customer reviews of thimble on trusted platforms like Trustpilot. Keep in mind that experiences vary, especially depending on your credit history and borrowing needs. If you’re considering applying, it’s a good idea to use an eligibility checker first that shows your chances of approval without affecting your credit score.
Is the thimbl credit card right for you?
The thimbl credit card may be a good option if you are:
- Looking to build or rebuild your credit score
- Applying for a first time credit card
- Looking for a product with no annual fees
It may not be suitable if you already qualify for mainstream cards with lower APRs, want to earn rewards or cashback, or need a high credit limit immediately.
If you are unsure, you can check your eligibility before applying to see how thimbl compares with other lenders.
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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The content presented here has been impartially gathered by the Mintify team and is offered on a non-advised basis for informational purposes only. We adhere to strict editorial integrity
Editor, Credit Cards: Michelle Blackmore
Last Updated: August 22, 2025