Credit card eligibility checker

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Name	Product	Rewards earn rate	Purchases	Annual/monthly fees	Representative APR	Chance of approval	Link	Incentive	Representative example
Promoted M&S Bank Purchase Plus Credit Card		1 point per £1 spent with selected partners, 1 per £5 elsewhere	0% for 24 months	£0	24.9% APR (variable)		Go to site More Info Compare product selection Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	loading Fetching your data...
Promoted Nectar Credit Card Finder Award		3 points per £1 spent with selected partners, 2 per £1 elsewhere	30%	£30 per year	36.8% APR (variable)		Go to site More Info Compare product selection Compare	New welcome offer: No annual fee for your first year. Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.	Representative example: Representative 36.8% APR variable. Based on £30 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
Promoted Santander All in One Credit Card		N/A	0% for 15 months	£3 per month	29.8% APR (variable)		Go to site More Info Compare product selection Compare	0.5% cashback after £1 of monthly spend. Maximum of £10 paid per month. Paid monthly into Card Account. Spend with your Santander Mastercard debit or credit card in the UK or abroad until 31 Dec and get entries into a monthly prize draw to win a European trip for two. You must enter the promotion to take part. T&Cs apply.	Representative example: Representative 29.8% APR variable. Based on £3 monthly fee, assumed borrowing of £1,200. Rate of interest 23.9% p.a. (variable).	loading Fetching your data...
Yonder Free Membership Credit Card Finder Award		1 point per £1 spent	32.26%	£0	32.3% APR (variable)		Go to site More Info Compare product selection Compare	Earn 1 point for every £1 spent and up to 5 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide.	Representative example: Representative 32.3% APR variable. Based on assumed borrowing of £1,200. Rate of interest 32.26% p.a. (variable).	loading Fetching your data...
M&S Bank Transfer Plus Credit Card		1 point per £1 spent with selected partners, 1 per £5 elsewhere	0% for 3 months	£0	24.9% APR (variable)		Go to site More Info Compare product selection Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	loading Fetching your data...
Tesco Bank Balance Transfer Card Finder Award		1.25 points per £1 spent with selected partners, 0.13 per £1 elsewhere	24.942%	£0	24.9% APR (variable)		Go to site More Info Compare product selection Compare	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants or entertainment.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award		6 points per £1 spent with selected partners, 2 per £1 elsewhere	30%	£95 per year	53.7% APR (variable)		Go to site More Info Compare product selection Compare	Earn 60,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first three months of Cardmembership. Offer ends 15 July 2025. New Cardmembers only. Annual fee applies, 18+, subject to status. Terms apply.	Representative example: Representative 53.7% APR variable. Based on £95 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
Yonder Full Membership Credit Card Finder Award		1 point per £1 spent with selected partners, 1 per £0.2 elsewhere	29.32%	£15 per month	66% APR (variable)		Go to site More Info Compare product selection Compare	Earn 5 point for every £1 spent and up to 25 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide, or equivalent of 0.5% cashback.	Representative example: Representative 66% APR variable. Based on £15 monthly fee, assumed borrowing of £1,200. Rate of interest 29.32% p.a. (variable).	loading Fetching your data...
John Lewis Partnership Credit Card		1.25 points per £1 spent with selected partners, 0.1 per £1 elsewhere	29.95%	£0	29.9% APR (variable)		Go to site More Info Compare product selection Compare	Earn double points (10 points for every £4 spent on eligible spend at John Lewis and Waitrose) in the first 60 days from account opening. After 60-day double points offer ends, earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. 1 point = 1p (min 500pts)	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.95% p.a. (variable).	loading Fetching your data...
Amex® Cashback Credit Card Finder Award		N/A	30%	£25 per year	35.6% APR (variable)		Go to site More Info Compare product selection Compare	First year free + Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Offer ends 15 July 2025. New Cardmembers only. Terms apply. 18+, subject to status.	Representative example: Representative 35.6% APR variable. Based on £25 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
American Express® Rewards Credit Card Finder Award		1 point per £1 spent	30%	£0	30% APR (variable)		Go to site More Info Compare product selection Compare	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.	Representative example: Representative 30% APR variable. Based on assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award		1.5 points per £1 spent with selected partners, 3 per £1 elsewhere	30%	£300 per year	137.8% APR (variable)		Go to site More Info Compare product selection Compare	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: Representative 137.8% APR variable. Based on £300 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
British Airways American Express® Credit Card Finder Award		1 point per £1 spent	30%	£0	30% APR (variable)		Go to site More Info Compare product selection Compare	New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: Representative 30% APR variable. Based on assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award		3 points per £1 spent with selected partners, 1 per £1 elsewhere	30%	£195 per year	87.3% APR (variable)		Go to site More Info Compare product selection Compare	New Cardmembers earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. New Cardmembers only. Terms apply, 18+, subject to status.	Representative example: Representative 87.3% APR variable. Based on £195 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
The Platinum Card® by American Express Finder Award		1 point per £1 spent	30%	£650 per year	694.9% APR (variable)		Go to site More Info Compare product selection Compare	New Cardmembers earn 50,000 Membership Rewards® points when you spend £6,000 in your first three months of Cardmembership. New Cardmembers only. Terms apply, 18+, subject to status.	Representative example: Representative 694.9% APR variable. Based on £650 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
Amex® Cashback Everyday Credit Card Finder Award		N/A	30%	£0	30% APR (variable)		Go to site More Info Compare product selection Compare	Welcome offer: Get 5% cashback on your purchases (up to £125) for the first 5 months of Cardmembership. Terms and minimum spend apply. 18+, subject to status.	Representative example: Representative 30% APR variable. Based on assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
Tesco Bank Clubcard Low Fee Balance Transfer Mastercard Finder Award		1.25 points per £1 spent with selected partners, 0.13 per £1 elsewhere	24.942%	£0	24.9% APR (variable)		Go to site More Info Compare product selection Compare	5 points per £4 spent in Tesco, 1 point per £8 spent outside Tesco and 1 point per £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 1 litre bought. 100 points = £1 in vouchers	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	loading Fetching your data...

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Name (A-Z)Name (Z-A)Rewards earn rate (low-high)Rewards earn rate (high-low)Purchases (low-high)Purchases (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Representative APR (low-high)Representative APR (high-low)Chance of approval (low-high)Chance of approval (high-low)Link (low-high)Link (high-low)Incentive (low-high)Incentive (high-low)

Name	Product	Rewards earn rate	Purchases	Annual/monthly fees	Representative APR	Chance of approval	Link	Incentive	Representative example
Promoted British Airways American Express® Premium Plus Card Finder Award		1.5 points per £1 spent with selected partners, 3 per £1 elsewhere	30%	£300 per year	137.8% APR (variable)		Go to site More Info Compare product selection Compare	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: Representative 137.8% APR variable. Based on £300 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...
British Airways American Express® Credit Card Finder Award		1 point per £1 spent	30%	£0	30% APR (variable)		Go to site More Info Compare product selection Compare	New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: Representative 30% APR variable. Based on assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	loading Fetching your data...

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Name (A-Z)Name (Z-A)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Initial credit limits (low-high)Initial credit limits (high-low)Representative APR (low-high)Representative APR (high-low)Chance of approval (low-high)Chance of approval (high-low)Link (low-high)Link (high-low)Incentive (low-high)Incentive (high-low)

Name	Product	Annual/monthly fees	Initial credit limits	Representative APR	Chance of approval	Link	Incentive	Representative example
Promoted Yonder Free Membership Credit Card Finder Award		£0	Min. limit £500, max. limit £10,000.	32.3% APR (variable)		Go to site More Info Compare product selection Compare	Earn 1 point for every £1 spent and up to 5 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide.	Representative example: Representative 32.3% APR variable. Based on assumed borrowing of £1,200. Rate of interest 32.26% p.a. (variable).	loading Fetching your data...
John Lewis Thrive Credit Card			Min. limit not specified, max. limit not specified.	34.9% APR (variable)		Go to site Compare product selection Compare	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	loading Fetching your data...
118 118 Money Guaranteed Rate Card		£0	Min. limit £500, max. limit not specified.	49% APR (variable)		Go to site More Info Compare product selection Compare	Representative example: Representative 49% APR variable. Based on assumed borrowing of £1,200. Rate of interest 49% p.a. (variable).	loading Fetching your data...

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Name (A-Z)Name (Z-A)Foreign transaction fee (low-high)Foreign transaction fee (high-low)Purchases (low-high)Purchases (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Representative APR (low-high)Representative APR (high-low)Chance of approval (low-high)Chance of approval (high-low)Link (low-high)Link (high-low)Incentive (low-high)Incentive (high-low)

Name	Product	Foreign transaction fee	Purchases	Annual/monthly fees	Representative APR	Chance of approval	Link	Incentive	Representative example
Promoted Santander All in One Credit Card		0%	0% for 15 months	£3 per month	29.8% APR (variable)		Go to site More Info Compare product selection Compare	0.5% cashback after £1 of monthly spend. Maximum of £10 paid per month. Paid monthly into Card Account. Spend with your Santander Mastercard debit or credit card in the UK or abroad until 31 Dec and get entries into a monthly prize draw to win a European trip for two. You must enter the promotion to take part. T&Cs apply.	Representative example: Representative 29.8% APR variable. Based on £3 monthly fee, assumed borrowing of £1,200. Rate of interest 23.9% p.a. (variable).	loading Fetching your data...
Promoted Yonder Free Membership Credit Card Finder Award		0%	32.26%	£0	32.3% APR (variable)		Go to site More Info Compare product selection Compare	Earn 1 point for every £1 spent and up to 5 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide.	Representative example: Representative 32.3% APR variable. Based on assumed borrowing of £1,200. Rate of interest 32.26% p.a. (variable).	loading Fetching your data...
118 118 Money Guaranteed Rate Card		0%	49%	£0	49% APR (variable)		Go to site More Info Compare product selection Compare	Representative example: Representative 49% APR variable. Based on assumed borrowing of £1,200. Rate of interest 49% p.a. (variable).	loading Fetching your data...
Yonder Full Membership Credit Card Finder Award		0%	29.32%	£15 per month	66% APR (variable)		Go to site More Info Compare product selection Compare	Earn 5 point for every £1 spent and up to 25 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide, or equivalent of 0.5% cashback.	Representative example: Representative 66% APR variable. Based on £15 monthly fee, assumed borrowing of £1,200. Rate of interest 29.32% p.a. (variable).	loading Fetching your data...

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Name (A-Z)Name (Z-A)Money transfers (low-high)Money transfers (high-low)Purchases (low-high)Purchases (high-low)Representative APR (low-high)Representative APR (high-low)Chance of approval (low-high)Chance of approval (high-low)Link (low-high)Link (high-low)Incentive (low-high)Incentive (high-low)

Name	Product	Money transfers	Purchases	Representative APR	Chance of approval	Link	Incentive	Representative example
Tesco Bank Balance Transfer Card Finder Award		29.947 (3.99 fee)	24.942%	24.9% APR (variable)		Go to site More Info Compare product selection Compare	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants or entertainment.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	loading Fetching your data...
Tesco Bank Clubcard Low Fee Balance Transfer Mastercard Finder Award		29.947 (3.99 fee)	24.942%	24.9% APR (variable)		Go to site More Info Compare product selection Compare	5 points per £4 spent in Tesco, 1 point per £8 spent outside Tesco and 1 point per £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 1 litre bought. 100 points = £1 in vouchers	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	loading Fetching your data...

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Finder Score (low-high)Finder Score (high-low)Max. intro bonus (low-high)Max. intro bonus (high-low)Earn-rate with brand (low-high)Earn-rate with brand (high-low)Default earn-rate (low-high)Default earn-rate (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Representative APR (low-high)Representative APR (high-low)Incentive (low-high)Incentive (high-low)

Product	Finder Score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Incentive	Representative example
Promoted Finder score 9.9Excellent Yonder Full Membership Credit Card Finder Award	Finder score 9.9Excellent	10,000 points	1 point per £1 spent	5 points per £1 spent	£15 per month	66% APR (variable)	Earn 5 point for every £1 spent and up to 25 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide, or equivalent of 0.5% cashback.	Representative example: Representative 66% APR variable. Based on £15 monthly fee, assumed borrowing of £1,200. Rate of interest 29.32% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Travel in style with Priority Pass lounge access

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Lounge access with Priority Pass

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Have you considered a debit card with low or no foreign transaction fees?

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Account fee (low-high)Account fee (high-low)Overseas cash withdrawals (low-high)Overseas cash withdrawals (high-low)Overseas card transactions (low-high)Overseas card transactions (high-low)Switching deals benefits (low-high)Switching deals benefits (high-low)Incentive (low-high)Incentive (high-low)Smallprint (low-high)Smallprint (high-low)

Product	Account fee	Overseas cash withdrawals	Overseas card transactions	Switching deals benefits	Incentive	Smallprint
Chase Current Account Offer	Free	0%	0%	Receive 1% cashback on everyday debit card purchases capped at £15.	18+, UK residents. Cashback available for your first 12 months for new customers. Max £15 per month. Cashback exceptions apply.	More info Compare product selection Compare	loading
Revolut Standard Account Exclusive	Free	0% Mon-Fri (max. £1,000 per month) conversion fee plus cash fee of £0 up to £200 per month	0% Mon-Fri (max. £1,000 per month)	Get a £20 welcome bonus when you spend your first £20 (T&Cs apply).	Go to site More info Compare product selection Compare	loading
Monzo Free Account Finder Award	Free	0% conversion fee plus cash fee of 0% on up to £400 per 30 days (3% thereafter)	0%	Monzo Instant Access Savings Pot earns you 3.25% AER interest (variable), paid monthly into the Pot you create.	Go to site More info Compare product selection Compare	loading

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Find out your credit score. For free.

We check your credit score and report every month and add insights into how you can improve it.

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Find out your credit score. For free.

We check your credit score and report every month and add insights into how you can improve it.

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Find out your credit score. For free.

We check your credit score and report every month and add insights into how you can improve it.

Sign up

Find out your credit score. For free.

We check your credit score and report every month and add insights into how you can improve it.

Sign up

Find out your credit score. For free.

We check your credit score and report every month and add insights into how you can improve it.

Sign up

Find out your credit score. For free.

We check your credit score and report every month and add insights into how you can improve it.

Sign up

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Cost (low-high)Cost (high-low)Loan amounts (low-high)Loan amounts (high-low)Loan terms (low-high)Loan terms (high-low)Representative APR (low-high)Representative APR (high-low)

Product	Cost	Loan amounts	Loan terms	Representative APR	How it works
Drafty Line of Credit Finder Award	0.19% daily interest when you borrow	£50 to £3,000	Open-ended line of credit	96.2%	Representative Example: Assumed credit limit: £1200. Representative 96.2% APR (variable). Annual interest rate 69.4% (variable).	Go to site More info	loading

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Are you a student? Have you considered a student credit card?

As a student, you may also be interested in student current account that offers a credit card.

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Finder Score (low-high)Finder Score (high-low)Purchases (low-high)Purchases (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Initial credit limits (low-high)Initial credit limits (high-low)Representative APR (low-high)Representative APR (high-low)Incentive (low-high)Incentive (high-low)

Product	Finder Score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Representative example
Finder score 9.9Excellent Barclaycard Forward Credit Card	Finder score 9.9Excellent	0% for 6 months	£0	Min. limit £50, max. limit £1,200.	33.9% APR (variable)	Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year.	Representative example: Representative 33.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 33.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Defaqto.

Self-employed? Have you considered a business credit card?

Capital on Tap Business Credit Card

• Credit limits up to £250,000
• Uncapped 1% cashback
• Up to 56 days interest-free on purchases
• No charges on FX transactions or UK ATMs

Representative example: When you spend £1,200 at a purchase rate of 35.28% (variable) p.a., your representative rate is 35.28% APR (variable). Eligibility requirements apply.

Check eligibility

Am I eligible for a Capital on Tap card?

You may be eligible for a Capital on Tap Business Card if you meet the following criteria:

• Your business turnover is at least £2,000 per month
• You and your business are based in the UK.
• Your business is active on Companies House
• Your business is registered as a private limited company (Ltd) or limited liability partnership (LLP)
• You have no unsatisfied county court judgments (CCJs) against you or your business in the past year (a CCJ is the court order you get if you fail to repay money you owe).

• Your business is not a charity, trust, fund or Royal Charter
• Your business is not a public limited company (PLC)
• Your business is not dormant, dissolved or an inactive company
• You are not a sole trader

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Cost (low-high)Cost (high-low)Loan amounts (low-high)Loan amounts (high-low)Loan terms (low-high)Loan terms (high-low)Representative APR (low-high)Representative APR (high-low)

Product	Cost	Loan amounts	Loan terms	Representative APR	How it works
Drafty Line of Credit Finder Award	0.19% daily interest when you borrow	£50 to £3,000	Open-ended line of credit	96.2%	Representative Example: Assumed credit limit: £1200. Representative 96.2% APR (variable). Annual interest rate 69.4% (variable).	Go to site More info	loading

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We compare the following providers:

• What is a credit card eligibility checker?

  A credit card eligibility checker allows you to see which credit cards you’re likely to be approved for without having to make a full application. It only takes a few minutes to complete, and has no impact on your credit score.

• What do my results mean?

  Result	What we mean
  	You charmer! Being pre-approved means this lender is super keen on you. You’re basically a shoe-in for this card, as long as you use all the same details to sign up with the lender as you used for our form. It’ll also want to do a few of its own tests for fraud and money laundering, so you’ll have to pass those too.
  	The lender wants your business, but it just has to make a few more of its own checks. Nothing to get too worried about though – out of 100 applicants in the same financial situation as you, between 70 and 95 percent get approved.
  	We know this is a bit like saying there’s a 50% chance it might rain tomorrow. Not the most definitive advice. As going through the application on the lender’s own site can affect your credit score, applying for this card is only really worth it if you urgently need the credit for something specific and this is the highest score on your list.
  	Out of every 100 people who apply for this card and have a similar financial situation to you, only around 10 to 30 get approved. Not great odds! Of course, there is a chance you might be one of the lucky few, but it doesn’t look likely and a rejection can affect your credit score.
  	Unfortunately, you don’t meet this lender’s criteria for credit. In other words, computer says no. This could be for a number of reasons – your income is not high enough, the lender deems your credit history to be problematic or you already have one of this lender’s cards. But don’t get discouraged – focus on building up your credit score and try again in the future.
  	It’s not you, it’s us. We either don’t have enough information available about the acceptance criteria for this card, or we can’t match your details with your credit report. Either way, we are unable to give you a rating for this card at this time.

• How do I check if I can get a credit card?

  1. Start the eligibility checker.
  2. Choose which type of credit card you’re after.
  3. Fill in your personal details and residential status.
  4. Fill in your financial details.
  5. Add your email address and phone number.
  6. Click “See your cards” to see the ones you’ll be eligible for.

• Why should I check my eligibility before I apply?

  If you apply for a credit card but are then rejected, this will appear on your credit file, and can impact your chances of getting approved in the future. By using an eligibility checker before you apply, you can see which cards you’re likely to be approved for, which can help you avoid being rejected and damaging your credit score.

• What do I need to complete the application?

  Once you’ve seen your results, you can apply for a particular card by clicking “Get this card”. To complete your credit card application, you’ll need to provide your personal details and financial information to the credit card providers, as well as any other documents they require.

• What are the minimum requirements to apply for a credit card in the UK?

  To apply for a credit card in the UK, you’ll need to meet the following criteria:

  • Be at least 18 years old
  • Be a UK resident
  • Have a UK bank account

  There are also minimum income requirements you’ll likely need to meet to be eligible for a credit card.

• How can I improve my credit score and borrowing options?

  If your results don’t contain any suitable cards for your needs, don’t despair. Your credit score may be affecting the range of cards available to you. Don’t know whether you have a good or bad credit score? You can use our free credit score and report service to find out. There are several things you can do to improve your credit score, so that next time you check your eligibility, you get a better outcome.

  In the interest of full disclosure, we should mention that, while our list is comprehensive, it doesn’t contain every single card on the market. The benefit of checking your eligibility through Finder is that this doesn’t affect your credit score, even if you don’t get the results you were hoping for.

  It’s also important to note that while your credit score is important, it’s not the only factor card issuers consider when deciding whether or not to offer a deal. Your income and outgoings will also be a key factor, for example.

• Will Finder's credit card checker impact my credit score?

  No, using Finder’s credit card checker will not appear on your credit file, and has no affect on your credit score. When you use our eligibility checker, a “soft” credit check will be performed but this is simply used to find the cards that you’re likely to be approved for, and does not impact your credit score in any way.

• How will my information be used?

  You can see how your information will be used by reading our terms and conditions.

• What happens next?

  Once you’ve completed the eligibility checker, you can click “See your cards” to find out which credit cards you’re likely to be approved for. We use a rating system to show your likelihood of being approved, which ranges from “pre-approved” to “0% – not eligible”.

• How are the results shown?

  You’ll receive your results as a comparison table that lists all relevant credit cards based on how likely you are to be approved. You can then find out more about a certain card by clicking on “More info”, or apply for the card by clicking “Get this card”.

  You’ll then receive an email with a link to your results. This link will expire after 24 hours.

• How long are my results valid for?

  Your results should remain valid for as long as your credit file remains the same, or until providers make changes to their eligibility requirements. Credit files are generally updated once each month, but this can vary depending on the credit reference agency.