Tandem Journey Credit Card review 2020

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A straightforward “credit builder” designed to support you on your journey to better credit, while offering fee-free spending on your overseas journeys. Get it?

For those with limited or damaged credit histories “credit builder” cards are generally an easier option to get approved for. They typically come with low opening credit limits and relatively high interest rates, but no annual or monthly account fees and more lenient eligibility and approval criteria.

Finder rating: ★★★★★

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).


Representative APR


Foreign transaction charge


Account fee

Up to 56 days

Interest-free each billing period


IssuerTandem Bank
Annual/monthly fees£0
Min credit limit£500
Max credit limitSubject to status: £1,500
Credit limit noteSubject to status
Purchases interest-free period (days)56
IncentiveNo fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Additional cards available4

Expert review

Chris Lilly

Review by

Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Tandem’s Journey credit card, used responsibly, could help you to build or rebuild a positive credit history, and Tandem even states that credit limits (which are tailored to the individual) can be reviewed after just “a few months”.

Credit Builders don’t tend to come with much in the way of perks, but this card’s a bit of an exception. As with all Tandem credit cards, you’ll be able to enjoy fee-free overseas spending and overseas cash withdrawals. You’ll still incur interest, but provided you clear your balance in full each month, you’ll be able to take advantage of up to 56 days of 0% interest on your purchases at home and abroad (this benefit doesn’t apply to cash withdrawals, however).

Being a relatively new, digital-only bank, as you might expect, Tandem offers a vary decent app where you can track your card use and receive notifications.

Pros and cons


  • Used responsibly, can help build your credit.
  • No foreign transaction fees on purchases and cash withdrawals abroad.
  • No annual fee.
  • Track spending and bills on the accompanying app.
  • Credit limits can be reviewed after just “a few months”.


  • Not possible to transfer an existing balance from another card.
  • Cash withdrawals at home or abroad will be charged interest from the day funds leave your account.

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0203 370 0970), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Tandem Bank Journey Credit Card Mastercard

If you have compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you will need to make the process as straightforward as possible.

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  1. Default Gravatar
    January 8, 2019

    Can I get a credit card with very bad credit to build my credit up again

    • Avatarfinder Customer Care
      January 9, 2019

      Hello Deborah,

      Thank you for your comment.

      There are credit cards that are designed to help individuals to improve their credit rating over time. This guide will let you compare credit cards for applicants with bad credit and get tips for getting your credit history to improve.

      After comparing and you have a credit card builder product in mind, please click the Go to Site of your preferred card button to apply. Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  2. Default Gravatar
    November 16, 2018

    Will i be able to get a credit card?

    • Avatarfinder Customer Care
      November 17, 2018

      Hi Susan,

      Thanks for leaving a question on finder.

      Generally, the eligibility requirement to get approved for a credit card is:

      1. Age. Cardholders must be at least 18 years of age.
      2. Minimum income. Some credit card providers may only insist that you have an income, while others will specify a minimum annual figure.
      3. Residential status. Credit card issuers usually require you to be a permanent UK resident.
      4. Good credit history. You’ll normally need to have a good credit history with no defaults or evidence of bankruptcy to receive approval.

      For Tandem Journey Credit card, you need to be at least 18 and you must have a minimum income of £6000 per annum. This card is generally an easier option to get approved for, but typically come with low opening credit limits and relatively high interest rates.

      Please send me a message if you need anything else. :)


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