The Credit Card Eligibility Calculator

Finds the best cards that you can actually get

Our unique tool shows your odds of getting the cards in the best buy tables, so you can hone your applications and minimise the impact on your credit file.

Unlike applying, which leaves a mark on your credit file, we use a ‘soft search’ – which you can see on your file, but lenders can’t. So it NEVER impacts your ability to get credit in future.

Borrowing Eligibility Calculators

  • Balance transfer credit cards – for cutting existing debt costs

    A balance transfer card repays debts on other cards for you, so you owe it instead at a cheaper rate, often 0%.
    Not sure how they work? Read a full guide to balance transfer credit cards

    Golden rules for balance transfer cards

    1. Choose the card with the lowest transfer fee for the number of months you can pay off in.
    2. Set a budget so that you repay enough to clear the debt within the 0% period you've chosen. If you can’t do that in time, plan to shift the debt again before you start to pay interest.
    3. Don't spend on these cards, it isn't usually at the cheap rate. If you're trying to clear debt, new borrowing doesn't help.
    4. Repay at least the set monthly minimum, or you may lose the 0% rate.
    5. Never withdraw cash on these cards - it'll cost you interest, even if you pay it off in full.
    6. Read the Balance Transfer Guide for more on how debt shifting works. (Official APR Examples)
  • Credit cards for bad credit – have you been previously refused credit?

    If you've had past credit problems, these cards are designed for people like you, with poorer credit scores.
    If you think one of these could help you, read a full guide to credit cards for bad credit

    Golden rules for using bad credit cards

    1. Use these cards to rebuild your credit. Spend a little each month, and pay it back in full to gradually repair your credit score.
    2. Don't use them for new spending, unless you've budgeted and can afford to repay. If you don’t repay, APRs can be horrific.
    3. If there's a promotional 0% period, clear the debt before it ends or you'll have to pay hefty interest.
    4. Always pay at least the monthly minimum, If you don't, you'll lose any promotional deals, be charged a fee, and you may have a default put on your credit file.
    5. Never withdraw cash on these cards - it'll cost you interest, even if you pay it off in full.
    6. If you need more help, see our Credit Cards for Bad Credit guide. (Official APR Examples)
  • 0% spending credit cards – spread the cost of new spending

    Use these for new borrowing. They allow you to space out repayments without paying interest.
    To find out how to get the best out of these cards, read a full guide to purchase cards

    Golden rules for using 0% spending cards

    1. Always pay at least the monthly minimum payment, or you'll lose the 0% deal.
    2. Clear the card in full before the 0% ends, or you'll pay hefty interest.
    3. Don't use it for balance transfers or withdrawing cash – they’re not usually at the cheap rate.
    4. For more information, read the Best 0% Spending Cards guide. (Official APR Examples)
  • All-rounder credit cards - get 0% on transfers & purchases

    If you need to shift debts from another card, and also do new spending, these are the cards for you as they allow both at a cheap rate.
    Want to know how they work? Read a full guide to transfers & purchases cards

    Golden rules for using all-rounder cards

    1. If you're spending on this card, always keep the amount you borrow to a minimum. Budget, and plan to repay before the 0% ends.
    2. Clear the debt in full, or do another balance transfer to a new card before the 0% ends. If you don't, you'll pay the full APR.
    3. Always pay at least the monthly minimum, or you'll lose special rates.
    4. If you're using these cards both to shift debt and borrow, make sure you’ve got the credit limit to be able to do both. If you don't, think again.
    5. Never withdraw cash on these cards - it'll cost you interest, even if you pay it off in full.
    6. Confused about about how these cards work? See our Balance Transfer & Purchase Cards guide. (Official APR Examples)
  • Money transfer credit cards – transfers from loans and overdrafts

    These let you transfer cash from a card to your bank account, to pay off loans/overdrafts so you owe the card instead at a cheaper rate.
    For info on how to make them work for you, read a full guide to money transfer cards

    Golden rules for money transfer cards

    1. Clear all debt on the card before the 0% ends or you'll pay the money transfer APR rate. You can find this in the card's summary box, and it's often higher than the representative APR.
    2. Repay at least the monthly minimum payment, or you’ll lose the 0% promotional rate.
    3. Don't spend on this card, it isn't usually at the cheap rate.
    4. Never withdraw cash on these cards - it’ll cost you interest, even if you pay it off in full.
    5. Money transfers can be complex. Read the full Money Transfers guide first. (Official APR Examples)

Perks and Rewards Eligibility Calculators

  • Cashback credit cards – straight cash for spending on your card

    Use these for all your normal spending, and get paid up to 5% for every £1 you spend.
    Find out more about getting paid when you spend – read a full guide to cashback credit cards

    Golden rules for using cashback cards

    1. Always repay IN FULL, preferably by direct debit, to avoid interest – at these rates, paying interest quickly wipes out the gain you get from the cashback.
    2. Use for ALL spending to max the gain - but it's not an excuse to overspend.
    3. Check when and how the cashback will be paid to you.
    4. Never withdraw cash on these cards - it'll cost you interest, even if you pay it off in full.
    5. Like the idea of cashback? See the Cashback Cards guide. (Official APR Examples)
  • Airline credit cards – Avios and other flyer rewards

    If you're a frequent flyer, these cards allow you to collect points and get free flights, although you’ll still pay taxes.
    Think you’ll benefit from one of these cards? Read a full guide to airline credit cards

    Golden rules for airline cards

    1. Set up a direct debit to repay the card IN FULL every month, or paying interest wipes out the benefit from the airline points.
    2. Never withdraw cash on airline cards – it'll cost you interest, even if you pay it off in full.
    3. Use it for all usual spending to max reward miles - but it's not an excuse to overspend.
    4. Ensure you've got cash in the bank to cover the direct debit for the monthly bill.
    5. You'll often need to be flexible to redeem your points – so have a few dates and times in mind.
    6. Read our Airline Cards guide for more. (Official APR Examples)
  • Travel money credit cards – the cheapest way to spend abroad

    These allow you to avoid 'load' fees on foreign spending. Get one for holidays abroad and max the bang for your buck.
    For more info on saving money when spending abroad, read a full guide to travel money cards

    Golden rules for using travel money cards

    1. Set up a direct debit to pay off your card IN FULL each month to minimise interest.
    2. Spending on these cards is cheaper than ATM withdrawals as there's no fee. On most cards, you pay interest on cash withdrawals even if you clear the card in full when your next statement comes.
    3. For ATM withdrawals, making fewer, larger withdrawals is cheaper - though be safe.
    4. If asked "pay in pounds or in the local currency?", pick the local currency.
    5. See the full Cheap Travel Money Cards guide for more on how they work. (Official APR Examples)

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