Find credit cards you can get approved for – with no effect on your credit score

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Name	Product	Balance transfers	Purchases	Rep. APR	Chance of approval	Link	Incentive	Representative example
M&S Bank Transfer Plus Mastercard		0% for 29 months (2.75% fee)	0% for 3 months reverting to 21.9%	21.9% (variable)		Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		0% for 26 months (0% fee)	0% for 20 months reverting to 17.9%	23.7% (variable)		Go to site More Info	0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card		0% for 25 months (2.85% fee)	0% for 3 months reverting to 21.9%	21.9% (variable)		Go to site More Info	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		0% for 20 months (2.9% fee)	0% for 20 months reverting to 21.9%	21.9% (variable)		Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander Everyday Credit Card		0% for 18 months (0% fee)	0% for 3 months reverting to 20.9%	20.9% (variable)		Go to site More Info	Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.	Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (eligibility criteria apply)		0% for 18 months (0%, transfers must be made within the first 3 months of account opening fee)	0% for 3 months reverting to 21.9% p.a. (variable)	21.9% (variable)		Go to site More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)		0% for 18 months (0%, transfers must be made within the first 3 months of account opening fee)	0% for 3 months reverting to 21.9% p.a. (variable)	21.9% (variable)		Go to site More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months (2.9% fee)	0% for 18 months reverting to 22.9%	22.9% (variable)		Go to site More Info	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		0% for 6 months (2.9% fee)	0% for 6 months reverting to 19.9%	19.9% (variable)		Go to site More Info	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...

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Data updated daily

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Name	Product	Balance transfers	Purchases	Rep. APR	Chance of approval	Link	Incentive	Representative example
Santander All in One Credit Card		0% for 26 months (0% fee)	0% for 20 months reverting to 17.9%	23.7% (variable)		Go to site More Info	0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		0% for 20 months (2.9% fee)	0% for 20 months reverting to 21.9%	21.9% (variable)		Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months (2.9% fee)	0% for 18 months reverting to 22.9%	22.9% (variable)		Go to site More Info	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		0% for 6 months (2.9% fee)	0% for 6 months reverting to 19.9%	19.9% (variable)		Go to site More Info	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...

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Data updated daily

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Name	Product	Balance transfers	Purchases	Rep. APR	Chance of approval	Link	Incentive	Representative example
M&S Bank Shopping Plus Credit Card		0% for 20 months (2.9% fee)	0% for 20 months reverting to 21.9%	21.9% (variable)		Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		0% for 26 months (0% fee)	0% for 20 months reverting to 17.9%	23.7% (variable)		Go to site More Info	0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months (2.9% fee)	0% for 18 months reverting to 22.9%	22.9% (variable)		Go to site More Info	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		0% for 6 months (2.9% fee)	0% for 6 months reverting to 19.9%	19.9% (variable)		Go to site More Info	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...

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Data updated daily

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Name	Product	Balance transfers	Purchases	Rep. APR	Chance of approval	Link	Incentive	Representative example
M&S Bank Reward Plus Mastercard		0% for 6 months (2.9% fee)	0% for 6 months reverting to 19.9%	19.9% (variable)		Go to site More Info	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Santander Everyday Credit Card		0% for 18 months (0% fee)	0% for 3 months reverting to 20.9%	20.9% (variable)		Go to site More Info	Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.	Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		0% for 20 months (2.9% fee)	0% for 20 months reverting to 21.9%	21.9% (variable)		Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (eligibility criteria apply)		0% for 18 months (0%, transfers must be made within the first 3 months of account opening fee)	0% for 3 months reverting to 21.9% p.a. (variable)	21.9% (variable)		Go to site More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)		0% for 18 months (0%, transfers must be made within the first 3 months of account opening fee)	0% for 3 months reverting to 21.9% p.a. (variable)	21.9% (variable)		Go to site More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		0% for 29 months (2.75% fee)	0% for 3 months reverting to 21.9%	21.9% (variable)		Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card		0% for 25 months (2.85% fee)	0% for 3 months reverting to 21.9%	21.9% (variable)		Go to site More Info	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
American Express Platinum Cashback Everyday Card		N/A	22.2%	22.2% (variable)		Go to site More Info	New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	Compare	loading Fetching your data...
American Express Rewards Credit Card		N/A	22.2%	22.2% (variable)		Go to site More Info	As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	Compare	loading Fetching your data...
British Airways American Express Card		N/A	22.2%	22.2% (variable)		Go to site More Info	New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa		0% for 18 months (2.9% fee)	0% for 18 months reverting to 22.9%	22.9% (variable)		Go to site More Info	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		0% for 26 months (0% fee)	0% for 20 months reverting to 17.9%	23.7% (variable)		Go to site More Info	0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Compare	loading Fetching your data...
The American Express Nectar Credit Card		N/A	22.2%	27.3% (variable)		Go to site More Info	As a new Cardmember, earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 27.3% APR (variable).	Compare	loading Fetching your data...
American Express Platinum Cashback Card		N/A	22.2%	27.3% (variable)		Go to site More Info	As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £25 per annum, your representative rate is 27.3% APR (variable).	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card		N/A	22.2%	38.8% (variable)		Go to site More Info	As a new Cardmember earn 20,000 points bonus when you spend £3,000 in the first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £75 per annum, your representative rate is 38.8% APR (variable).	Compare	loading Fetching your data...
American Express Preferred Rewards Gold Credit Card		N/A	22.2%	56.6% (variable)		Go to site More Info	New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 56.6% APR (variable).	Compare	loading Fetching your data...
British Airways American Express Premium Plus		N/A	22.2%	74.7% (variable)		Go to site More Info	As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £195 per annum, your representative rate is 74.7% APR (variable).	Compare	loading Fetching your data...
The Platinum Card		N/A	N/A (this product is a charge card).	N/A (this product is a charge card).		Go to site More Info	As a new Cardmember, earn 30,000 Membership Rewards® points when you spend £4,000 in your first 3 months of Cardmembership.		Compare	loading Fetching your data...
The American Express Green Card		N/A	N/A (this product is a charge card).	N/A (this product is a charge card).		Go to site More Info	1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. If you're an existing Cardmember, invite your friends to join American Express and you'll get 5,000 points if they are approved.		Compare	loading Fetching your data...

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Name	Product	Rewards earn rate	Purchases	Annual/monthly fees	Rep. APR	Chance of approval	Link	Incentive	Representative example
British Airways American Express Premium Plus		3 points per £1 spent with selected partners 1.5 points per £1 spent elsewhere	22.2%	£195 per annum	74.7% (variable)		Go to site More Info	As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £195 per annum, your representative rate is 74.7% APR (variable).	Compare	loading Fetching your data...
The American Express Nectar Credit Card		2 points per £1 spent	22.2%	Year 1 - £0, Year 2 onwards - £25 per annum	27.3% (variable)		Go to site More Info	As a new Cardmember, earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 27.3% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		0.5% cashback	0% for 20 months reverting to 17.9%	£3 per month	23.7% (variable)		Go to site More Info	0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Compare	loading Fetching your data...
American Express Preferred Rewards Gold Credit Card		2 points per £1 spent with selected partners 1 point per £1 spent elsewhere	22.2%	Year 1 - £0, Year 2 onwards - £140 per annum	56.6% (variable)		Go to site More Info	New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 56.6% APR (variable).	Compare	loading Fetching your data...
American Express Rewards Credit Card		1 point per £1 spent	22.2%	£0	22.2% (variable)		Go to site More Info	As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		1 point per £1 spent with selected partners 1 point per £5 spent elsewhere	0% for 20 months reverting to 21.9%	£0	21.9% (variable)		Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		1 point per £1 spent with selected partners 1 point per £5 spent elsewhere	0% for 3 months reverting to 21.9%	£0	21.9% (variable)		Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
American Express Platinum Cashback Everyday Card		1% cashback	22.2%	£0	22.2% (variable)		Go to site More Info	New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	Compare	loading Fetching your data...
British Airways American Express Card		1 point per £1 spent	22.2%	£0	22.2% (variable)		Go to site More Info	New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	Compare	loading Fetching your data...
American Express Platinum Cashback Card		1.25% cashback	22.2%	£25 per annum	27.3% (variable)		Go to site More Info	As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £25 per annum, your representative rate is 27.3% APR (variable).	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card		6 points per £1 spent with selected partners 2 points per £1 spent elsewhere	22.2%	£75 per annum	38.8% (variable)		Go to site More Info	As a new Cardmember earn 20,000 points bonus when you spend £3,000 in the first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £75 per annum, your representative rate is 38.8% APR (variable).	Compare	loading Fetching your data...
M&S Bank Reward Plus Mastercard		2 points per £1 spent with selected partners 1 point per £5 spent elsewhere	0% for 6 months reverting to 19.9%	£0	19.9% (variable)		Go to site More Info	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
The Platinum Card		1 point per £1 spent	N/A (this product is a charge card).	£575 per annum	N/A (this product is a charge card).		Go to site More Info	As a new Cardmember, earn 30,000 Membership Rewards® points when you spend £4,000 in your first 3 months of Cardmembership.		Compare	loading Fetching your data...
The American Express Green Card		1 point per £1 spent	N/A (this product is a charge card).	£60 per annum	N/A (this product is a charge card).		Go to site More Info	1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. If you're an existing Cardmember, invite your friends to join American Express and you'll get 5,000 points if they are approved.		Compare	loading Fetching your data...

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Name	Product	Rewards earn rate	Purchases	Annual/monthly fees	Rep. APR	Chance of approval	Link	Incentive	Representative example
British Airways American Express Card		1 point per £1 spent	22.2%	£0	22.2% (variable)		Go to site More Info	New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).	Compare	loading Fetching your data...
British Airways American Express Premium Plus		3 points per £1 spent with selected partners 1.5 points per £1 spent elsewhere	22.2%	£195 per annum	74.7% (variable)		Go to site More Info	As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership.	Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £195 per annum, your representative rate is 74.7% APR (variable).	Compare	loading Fetching your data...

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Name	Product	Credit limits	Minimum income	Annual/monthly fees	Rep. APR	Chance of approval	Link	Incentive	Representative example
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Name	Product	Foreign transaction fee	Purchases	Annual/monthly fees	Rep. APR	Chance of approval	Link	Incentive	Representative example
Santander All in One Credit Card		0%	0% for 20 months reverting to 17.9%	£3 per month	23.7% (variable)		Go to site More Info	0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Compare	loading Fetching your data...

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What do these 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 can I improve my credit score?

If your results don’t contain any suitable cards for your needs, don’t despair. 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.

Improve your eligibility for credit cards with a boost to your credit score

• Save from £20 to £200 a month
• Build and improve your credit history
• Once you’ve finished unlock your savings

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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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.

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.

How to 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.
6. Click “See your cards” to see the ones you’ll be eligible for.

What do I need to complete the application?

Once you’ve seen your results, you can apply for a particular card by clicking “Go to site”. 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.

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 “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 “Go to site”.

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.

How can I improve my chances of being accepted?

The best way to improve your chances of getting a credit card is to improve your credit score. There are a number of straightforward ways to boost your credit rating, including registering for the electoral roll, paying your bills and debts on time, and even taking out a credit-builder credit card.