Tandem credit cards

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Tandem Bank used to offer two credit cards, both targeting customers at the younger end of the age spectrum with options for limited credit histories, a competitive cashback offer, and fee-free purchases and cash withdrawals abroad.

Alternatives to the Tandem cashback card

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Name	Product	Max. intro bonus	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Santander All in One Credit Card		N/A	0.5% cashback	£3 per month	27.7% APR (variable)	Check eligibility Read review	0.5% 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 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award		£100	1% cashback	£0	29.7% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award		£125	1.25% cashback	£25 per annum	35.3% APR (variable)	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £25 per annum, your representative rate is 35.3% APR (variable).	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)		N/A	1 point per £4 spent	£0	APR (variable)	Read review	Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year	If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.	Compare	loading Fetching your data...
MBNA Limited Platinum Visa		N/A	0.25% cashback	£0	12.9% APR (variable)	Read review	0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 12.94% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
AIB Options 1 Credit Card		£25	0.5% cashback	£0	18.9% APR (variable)	Read review	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
smile Classic Credit Card		N/A	0.25% cashback	£0	19.9% APR (variable)	Read review	0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.	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...
Halifax Cashback Credit Card Mastercard		£20	0.5% cashback	£0	22.9% APR (variable)	Read review	0.25% on £1 to £4000 of yearly spend. 0.5% after £4001 of yearly spend. Cashback paid January 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 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Rewards Visa		0.5% of all spend in first 3 months	0.25% cashback	£0	25.9% APR (variable)	Read review	0.25% after £1 of yearly spend. Cashback paid On request into Card Account. Cashback paid annually or on request. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a., your representative rate is 25.9% APR (variable).	Compare	loading Fetching your data...
Vitality American Express® Credit Card (Vitality Members only) Finder Award		N/A	0.5% cashback	£0 (but £4.75 fee for the Vitality programme)	45.4% APR (variable)	Read review	0.5% on £1 to £10,000 of yearly spend and 1% thereafter. Paid on anniversary. Must spend £3,000 annually to earn cashback. Earn up to 2% additional cashback on first £1,000 spend each month based on Vitality products held and monthly activity points earned. New cardmember offer: earn £100 statement credit when £2,000 spent in first three months.	Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £6.5 per month, your representative rate is 45.4% APR (variable).	Compare	loading Fetching your data...
Santander World Elite Mastercard		N/A	0.5% cashback	£15 per month	49.8% APR (variable)	Read review	0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.0.5% cashback on monthly spend of up to £3,000. Access to over 1 million Wi-Fi hotspots, no foreign transaction fees, discount on travel insurance.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Compare	loading Fetching your data...

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Alternatives to the Tandem Journey card

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Name	Product	Ratings	Finder rating	Customer rating	Annual/monthly fees	Initial credit limits	Minimum income	Representative APR	Incentive	Link
Barclaycard Forward Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £50, max. limit £1,200.	£3000	33.9%	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...
The Credit Thing card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £200, max. limit £1,500.	Not specified	27.9%	Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit not specified.	Not specified	28.9%	Representative example: When you spend £1,200 at a purchase rate of 28.95% (variable) p.a., your representative rate is 28.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Everyday Credit Card Mastercard		User survey ★★★★★	Not yet rated	★★★★★ User rating	£0	Min. limit not specified, max. limit not specified.	£10000	29.4%	Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. 1 point = 0.5p (min 500pts) Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a., your representative rate is 29.4% APR (variable).	Read review	Compare	loading Fetching your data...
Vanquis Bank Chrome Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £1,500.	Not specified	29.5%	Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Foundation Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit not specified.	£5000	29.9%	Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel. Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tymit Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit £15,000.	Not specified	29.9%	Representative Example: 29.9% (variable) based on a borrowing of £1200 over 12 months with no annual fee.	Read review	Compare	loading Fetching your data...
Bip Credit Card Mastercard		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit not specified.	£5000	29.9%	Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Classic Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,000.	£6800	29.9%	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 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Read review	Compare	loading Fetching your data...
Keebo credit card Finder Award		Not yet rated	Not yet rated	Not yet rated	£0	Min. limit £100, max. limit £5,000.	Not specified	29.98%	Representative example: When you spend £1,200 at a purchase rate of 29.98% (variable) p.a., your representative rate is 29.98% APR (variable).	Read review	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £500, max. limit not specified.	£8400	34%	Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Read review	Compare	loading Fetching your data...
Asda Money Select Credit Card		User survey ★★★★★	Not yet rated	★★★★★ User rating	£0	Min. limit £250, max. limit £5,000.	Not specified	34.9%	Earn 1% back in Asda Pounds when shopping at Asda, earn 0.3% on non-Asda spend. 1 Asda Pound = £1 (min £1) Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Marbles Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year. Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Aqua Advance credit card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,200.	£5000	34.9%	Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad. 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).	Read review	Compare	loading Fetching your data...
Aqua Classic Balance Transfer Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Post Office Classic Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £200, max. limit £8,000.	Not specified	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Aqua Classic Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £250, max. limit £1,200.	Not specified	34.9%	Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Read review	Compare	loading Fetching your data...
Zopa Credit Card Visa		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £200, max. limit £1,500.	£10000	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Fluid Credit Card		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	£0	Min. limit £250, max. limit not specified.	£5000	34.9%	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...
Capital One Classic Credit Card		Finder score ★★★★★ User survey ★★★★★	★★★★★ Expert analysis	★★★★★ User rating	£0	Min. limit £200, max. limit £1,500.	Not specified	34.9%	Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.	Read review	Compare	loading Fetching your data...

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What is Tandem Bank?

Tandem is a digital-only bank founded in 2013 and focused around an app. In January 2018, Tandem completed a takeover of Harrods Bank, the lender to the wealthy that was once controlled by Mohammed Al Fayed. The deal more than doubled Tandem’s customer base to 21,000 and added £80 million of capital.

The acquisition also enabled Tandem to regain its banking licence. It had lost this the previous year when Sanpower, the Chinese owners of House of Fraser, failed to deliver on a planned £35 million investment.

What types of credit card are available from Tandem?

A relative newcomer to the world of credit cards, Tandem currently offers two types of card:

• Cashback cards

  Cashback credit cards reward your spending with cash (or credit on your account) at an “earn rate” defined in the card’s terms. For example, an earn rate of 1.5% would mean that if you spent £200 on your card, you would receive £3 cash back. These cards frequently come with introductory promotions (for example an enhanced cashback earn rate for the first month) but also caps on the amount of cash back you can earn (for example an earn rate of 2% with an annual maximum of £100).
  Learn more about cashback credit cards

• Credit builder cards

  Credit builder cards are specifically designed for those who have a poor or limited credit history, but want to build up their credit score while they spend. Expect lower initial credit limits and higher rates, but usually no annual fee. These products are often used as a “stepping stone” product to cards or loans with better rates.
  Learn more about credit builder credit cards

What benefits can I get with a Tandem credit card?

• Tandem App. Track your spending and cashback earnings, and make payments off your balance from anywhere at any time. This unique App also helps you to manage your money. It will automatically show you how much you can spend each month and alert you when it notices an increased bill or a payment comes in. It can also help to reduce your bills by finding you better deals to save you money.
• Global usage. The Tandem credit cards are part of the Mastercard network, meaning they are accepted at 35 million locations worldwide.

Applying for a Tandem credit card

1. Filling out the online application form should take you about 10 minutes. You’ll need your home addresses in the UK for the last three years, details of your monthly income and your mobile phone number.
2. Tandem will perform a credit check on you and provide you with a quick decision.
3. The credit limit you are offered will depend on your credit rating and affordability.

Eligibility requirements

To be eligible for a Tandem credit card, you must:

• Be at least 18 years old.
• Currently have an address, and three years address history in the UK.
• Have a minimum income before tax of £13,000 per year.
• Not be unemployed or a student.

Why might you not be approved?

On the whole, if you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. Equally if you are in an IVA or have had a CCJ you may not be accepted. If you have ever declared bankruptcy you are also unlikely to receive a card.

Tandem customer reviews

Tandem has received mixed reviews from customers, according to review platform Trustpilot. It currently has a rating of 3.1 out of 5, based on more than 960 reviews (updated 11 March 2021). Many customers cited issues with receiving refunds on purchases after their accounts had been closed, but others said Tandem’s credit cards had helped them improve their credit score.