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

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.

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