Credit Card Eligibility Calculator TM

Find which credit cards you're most likely to be accepted for – protecting your credit score

Finds your % chance of getting top airline cards

Lloyds Avios

Will you get it?

23.7 (incl fee)%

Will you get it?

23.7% (incl fee)


Lloyds Duo Avios

Free flight upgrades, plus intro Avios points
Is this card right for you?

This Lloyds Avios* charges an annoying £24 annual fee but if you spend £7,000 in a year you'll earn two free flight upgrades on flights paid for entirely with Avios points (excluding taxes and charges).

Need to knows
  • You'll earn 1.25 Avios points per £1 spent on the Amex and per £5 spent on the Mastercard.
  • You'll also get an intro bonus of double Avios points when you spend on the Amex in your first six months.
  • Standard miles: 1.25 for every £1
  • Annual fee: £24
  • Min income: N/A
  • Miles expire: 3 years after you collect your last.
  • A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 18.94% (variable) with an annual fee of £24, your representative APR will be 23.7% (variable).

Apply now*

Good news! Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness, our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted. You see the soft search on your credit file, but lenders don't, so it has no credit impact. Use this calculator to home in on the card you're most likely to get.

This is your income from your main employment before tax. Your income is a key factor for lenders, so it’s important you’re honest about this. If you’re expecting your income to reduce in the next 12 months, please answer with what you think your revised income will be.
Your address history is used to match you with the correct credit file. If you’ve lived in your current property for less than 3 years, we’ll also need your previous address.

How this site works

We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service.
  • We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips).
  • We often link to other websites, but we can't be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion. is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE's Editorial Code.