Credit card eligibility checker

Updated daily

Name	Product	Rewards earn rate	Purchases	Annual/monthly fees	Representative APR	Chance of approval	Link	Incentive	Representative example
Yonder 'No Fee' Credit Card Finder Award		1 point per £1 spent elsewhere	32.9%	£0	32.9% APR (variable)		Go to site More Info Compare		Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).	loading Fetching your data...
Santander All in One Credit Card		0.5% cashback	0% for 15 months reverting to 23.9%	£3 per month	29.8% APR (variable)		Go to site More Info Compare	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. 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 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	loading Fetching your data...
Nectar Credit Card Finder Award		2 points per £1 spent elsewhere	30%	Year 1 - £0, Year 2 onwards - £30 per annum	36.8% APR (variable)		Go to site More Info Compare	New welcome offer: 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: When you spend £1,200 at a purchase rate of 30% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 36.8% APR (variable).	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award		2 points per £1 spent elsewhere	30%	£95 per annum	53.7% APR (variable)		Go to site More Info Compare	Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 30% (variable) p.a. with a fee of £95 per annum, your representative rate is 53.7% APR (variable).	loading Fetching your data...
Yonder Credit Card Finder Award		5 points per £1 spent elsewhere	29.94%	1 month for £0, £15 per month thereafter	66.7% APR (variable)		Go to site More Info Compare	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	loading Fetching your data...
John Lewis Partnership Credit Card		1 point per £4 spent elsewhere	28.94%	£0	28.9% APR (variable)		Go to site More Info 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: When you spend £1,200 at a purchase rate of 28.94% (variable) p.a., your representative rate is 28.9% APR (variable).	loading Fetching your data...
Amex® Cashback Credit Card Finder Award		1.25% cashback	30%	£25 per annum	35.6% APR (variable)		Go to site More Info Compare	New Cardmembers get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. T&Cs apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30% (variable) p.a. with a fee of £25 per annum, your representative rate is 35.6% APR (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	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: When you spend £1,200 at a purchase rate of 30% (variable) p.a., your representative rate is 30% APR (variable).	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award		1.5 points per £1 spent elsewhere	30.0%	£300 per annum	137.8% APR (variable)		Go to site More Info 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: When you spend £1,200 at a purchase rate of 30.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 137.8% APR (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	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: When you spend £1,200 at a purchase rate of 30% (variable) p.a., your representative rate is 30% APR (variable).	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award		1 point per £1 spent elsewhere	30%	Year 1 - £0, Year 2 onwards - £195 per annum	87.3% APR (variable)		Go to site More Info Compare	New Cardmembers earn 30,000 Membership Rewards® points when you spend £3,000 in your first 3 months of Cardmembership. Terms Apply. 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 87.3% APR (variable).	loading Fetching your data...
The Platinum Card® by American Express Finder Award		1 point per £1 spent elsewhere	30.0%	£650 per annum	694.9% APR (variable)		Go to site More Info Compare	New Cardmembers earn 80,000 Membership Rewards® points when you spend £10,000 in your first 6 months of Cardmembership. Terms Apply. Ends 27 May 2025. 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 694.9% APR (variable).	loading Fetching your data...
Amex® Cashback Everyday Credit Card Finder Award		1% cashback	30%	£0	30% APR (variable)		Go to site More Info 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: When you spend £1,200 at a purchase rate of 30% (variable) p.a., your representative rate is 30% APR (variable).	loading Fetching your data...

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Updated daily

Name	Product	Rewards earn rate	Purchases	Annual/monthly fees	Representative APR	Chance of approval	Link	Incentive	Representative example
British Airways American Express® Premium Plus Card Finder Award		1.5 points per £1 spent elsewhere	30.0%	£300 per annum	137.8% APR (variable)		Go to site More Info 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: When you spend £1,200 at a purchase rate of 30.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 137.8% APR (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	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: When you spend £1,200 at a purchase rate of 30% (variable) p.a., your representative rate is 30% APR (variable).	loading Fetching your data...

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Updated daily

Name	Product	Annual/monthly fees	Initial credit limits	Representative APR	Chance of approval	Link	Incentive	Representative example
Yonder 'No Fee' Credit Card Finder Award		£0	Min. limit not specified, max. limit not specified.	32.9% APR (variable)		Go to site More Info Compare		Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (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		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		Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).	loading Fetching your data...

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Name	Product	Foreign transaction fee	Purchases	Annual/monthly fees	Representative APR	Chance of approval	Link	Incentive	Representative example
Santander All in One Credit Card		0%	0% for 15 months reverting to 23.9%	£3 per month	29.8% APR (variable)		Go to site More Info Compare	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. 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 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	loading Fetching your data...
Yonder 'No Fee' Credit Card Finder Award		0%	32.9%	£0	32.9% APR (variable)		Go to site More Info Compare		Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).	loading Fetching your data...
118 118 Money Guaranteed Rate Card		0%	49%	£0	49% APR (variable)		Go to site More Info Compare		Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).	loading Fetching your data...
Yonder Credit Card Finder Award		0%	29.94%	1 month for £0, £15 per month thereafter	66.7% APR (variable)		Go to site More Info Compare	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	loading Fetching your data...

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Name	Product	Money transfers	Purchases	Representative APR	Chance of approval	Link	Incentive	Representative example
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As a Londoner, you may also be interested in…

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Product	Finder Score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Incentive	Representative example
Yonder Credit Card Finder Award	Finder score 9.7Excellent	10,000 points	25 points per £1 spent	5 points per £1 spent	1 month for £0, £15 per month thereafter	66.7% APR (variable)	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...

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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

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

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Product	Account fee	Overseas cash withdrawals	Overseas card transactions	Switching deals benefits	Incentive	Smallprint
Chase Current Account Finder AwardOffer	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.	Compare	loading Fetching your data...
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 siteSee deal Compare	loading Fetching your data...
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 3.50% AER interest (variable), paid monthly into the Pot you create.		Go to site Compare	loading Fetching your data...

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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

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

Here are some alternative products that might interest you

Updated regularly

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 siteView details	loading Fetching your data...

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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.

1 - 1 of 1

Updated daily

Product	Finder Score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Representative example
Barclaycard Forward Credit Card	Finder score 8.4Great	0% for 6 months reverting to 33.9%	£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: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...

loading

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 Moneyfacts.

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 35.60% (variable) p.a., your representative rate is 35.6% APR (variable). Eligibility requirements apply.

Go to site

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

Here are some alternative products that might interest you

Updated regularly

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 siteView details	loading Fetching your data...

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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.