Pockit review

The annual fee is £0, and Pockit sits in the no annual fee model. That keeps the running cost of the card at nothing for the year, which matters most for a card used mainly to build a credit record rather than to earn.

Pockit lists its card as a charge card rather than a revolving credit card. Balances are settled in full rather than carried from month to month, so readers who pay off what they spend avoid revolving interest building up.

Yes. The currency conversion fee is 4%, above the 1% site median for cards in this family. Readers who spend in sterling most of the time will barely notice it, while frequent travellers will.

The rewards type is listed as none, so nothing comes back on everyday spending. Pockit is positioned as a card for building a credit record, and the account perks lean that way rather than towards cashback or points.

Credit building with LOQBOX is listed among the account perks. The card is aimed at adults with fair credit, which opens a route for people who find mainstream credit cards harder to get accepted for.

The perks listed on the Premium plan are Credit building with LOQBOX, Personal credit assessment after 3 months on Premium plan and Borrow up to GBP500 on Premium plan. Borrowing on the plan sits alongside the credit assessment that arrives after a set period, so the upgrade suits readers building a record over time.

Support runs on help centre, so help arrives as written guidance rather than a person on the phone. Readers who want to talk something through are better served by a card with a phone line listed.

Pockit is headquartered in the United Kingdom and was founded in 2014. It is a UK operation aimed at readers who want a card with no annual fee, so the product suits people already banking in sterling.

The card is built for adults with fair credit who want no annual fee, since the fee is £0. It suits readers focused on building a record and spending mostly in a single currency, given the 4% conversion charge.