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

Last updated:

Table: sorted by eligibility
Updated February 24th, 2020
Name Product Balance transfers Purchases Rep. APR Chance of approval Incentive Representative example
M&S Bank Shopping Plus Mastercard
0% for 20 months
(2.9% fee)
0% for 20 months reverting to 19.9%
19.9% (variable)
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).
M&S Bank Reward Plus Mastercard
0% for 6 months
(2.9% fee)
0% for 6 months reverting to 19.9%
19.9% (variable)
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).

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Updated February 24th, 2020
Name Product Balance transfers Purchases Rep. APR Chance of approval Incentive Representative example
M&S Bank Shopping Plus Mastercard
0% for 20 months
(2.9% fee)
0% for 20 months reverting to 19.9%
19.9% (variable)
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).
M&S Bank Reward Plus Mastercard
0% for 6 months
(2.9% fee)
0% for 6 months reverting to 19.9%
19.9% (variable)
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 up to 4 providers

Updated February 24th, 2020
Name Product Balance transfers Purchases Rep. APR Chance of approval Incentive Representative example
M&S Bank Shopping Plus Mastercard
0% for 20 months
(2.9% fee)
0% for 20 months reverting to 19.9%
19.9% (variable)
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).
M&S Bank Reward Plus Mastercard
0% for 6 months
(2.9% fee)
0% for 6 months reverting to 19.9%
19.9% (variable)
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 up to 4 providers

Updated February 24th, 2020
Name Product Balance transfers Purchases Rep. APR Chance of approval Incentive Representative example
The Royal Bank Credit Card
6.9%
(0% fee)
9.9%
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
The NatWest Credit Card
6.9%
(0% fee)
9.9%
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).

Compare up to 4 providers

Updated February 24th, 2020
Name Product Balance transfers Purchases Rep. APR Chance of approval Incentive Representative example
The Royal Bank Credit Card
6.9%
(0% fee)
9.9%
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
The NatWest Credit Card
6.9%
(0% fee)
9.9%
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
M&S Bank Reward Plus Mastercard
0% for 6 months
(2.9% fee)
0% for 6 months reverting to 19.9%
19.9% (variable)
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).
M&S Bank Shopping Plus Mastercard
0% for 20 months
(2.9% fee)
0% for 20 months reverting to 19.9%
19.9% (variable)
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).
American Express Rewards Credit Card
N/A
22.9%
22.9% (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
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).
British Airways American Express Card
N/A
22.9%
22.9% (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
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).
American Express Platinum Cashback Everyday Card
N/A
22.9%
22.9% (variable)
5% on £1 to £2000 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
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).
Tandem Bank Journey Credit Card Mastercard
N/A
24.9%
24.9% (variable)
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
The American Express Nectar Credit Card
N/A
22.9%
28.2% (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
American Express Platinum Cashback Card
N/A
22.9%
28.2% (variable)
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
The Starwood Preferred Guest Credit Card Amex
N/A
22.9%
39.7% (variable)
Earn 30,000 points when you spend £1K within 3 months of account opening. Earn 3 points for virtually every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £75 per annum, your representative rate is 39.7% APR (variable).
American Express Preferred Rewards Gold Credit Card
N/A
22.9%
57.6% (variable)
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 57.6% APR (variable).
British Airways American Express Premium Plus
N/A
22.9%
76% (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
The American Express Green Card
N/A
N/A (this product is a charge card).
N/A (this product is a charge card).
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.
The Platinum Card
N/A
N/A (this product is a charge card).
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.

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Updated February 24th, 2020
Name Product Rewards earn rate Purchases Annual/monthly fees Rep. APR Chance of approval Incentive Representative example
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)
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).
The American Express Nectar Credit Card
2 points per £1 spent
22.9%
Year 1 - £0, Year 2 onwards - £25 per annum
28.2% (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
The Starwood Preferred Guest Credit Card Amex
6 points per £1 spent with selected partners
3 points per £1 spent elsewhere
22.9%
£75 per annum
39.7% (variable)
Earn 30,000 points when you spend £1K within 3 months of account opening. Earn 3 points for virtually every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £75 per annum, your representative rate is 39.7% APR (variable).
M&S Bank Shopping Plus Mastercard
1 point per £1 spent with selected partners
1 point per £5 spent elsewhere
0% for 20 months reverting to 19.9%
£0
19.9% (variable)
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).
American Express Platinum Cashback Card
1.25% cashback
22.9%
£25 per annum
28.2% (variable)
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
American Express Rewards Credit Card
1 point per £1 spent
22.9%
£0
22.9% (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
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).
British Airways American Express Premium Plus
3 points per £1 spent with selected partners
1.5 points per £1 spent elsewhere
22.9%
£195 per annum
76% (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
British Airways American Express Card
1 point per £1 spent
22.9%
£0
22.9% (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
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).
American Express Preferred Rewards Gold Credit Card
2 points per £1 spent with selected partners
1 point per £1 spent elsewhere
22.9%
Year 1 - £0, Year 2 onwards - £140 per annum
57.6% (variable)
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 57.6% APR (variable).
American Express Platinum Cashback Everyday Card
1% cashback
22.9%
£0
22.9% (variable)
5% on £1 to £2000 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
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).
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).
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.
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).
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.

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Updated February 24th, 2020
Name Product Rewards earn rate Purchases Annual/monthly fees Rep. APR Chance of approval Incentive Representative example
British Airways American Express Card
1 point per £1 spent
22.9%
£0
22.9% (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
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).
British Airways American Express Premium Plus
3 points per £1 spent with selected partners
1.5 points per £1 spent elsewhere
22.9%
£195 per annum
76% (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).

Compare up to 4 providers

Updated February 24th, 2020
Name Product Credit limits Minimum income Annual/monthly fees Rep. APR Chance of approval Incentive Representative example
Tandem Bank Journey Credit Card Mastercard
Min. limit £500, max. limit £1,500.
£15000
£0
24.9% (variable)
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).

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Updated February 24th, 2020
Name Product Foreign transaction fee Purchases Annual/monthly fees Rep. APR Chance of approval Incentive Representative example
The Royal Bank Credit Card
0%
9.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
The NatWest Credit Card
0%
9.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
Tandem Bank Journey Credit Card Mastercard
0%
24.9%
£0
24.9% (variable)
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).

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Updated February 24th, 2020
Name Product Money transfers Purchases Rep. APR Chance of approval Incentive Representative example
No items match the given criteria.

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What do these results mean?

ResultWhat we mean
pre-approved indicatorYou 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.
High chance of approval indicatorThe 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.
Medium chance of approval indicatorWe 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.
Low chance of approval indicatorOut 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.
Not-eligible indicatorUnfortunately, 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.
Not-rated indicatorIt’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.

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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.

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