Credit Card Eligibility Calculator TM

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

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For your free Experian Credit Report, Experian Credit Score, MSE Affordability Score, unique Credit Hit Rate and your eligibility for top credit cards & loans, join Credit Club.

Finds your % chance of getting top airline cards

Amex British Airways Premium Plus

Will you get it?

76 (incl fee)%

Will you get it?

76% (incl fee)


BA Premium Plus Amex

Free companion ticket with £10k+ spend
Click here for full card info

This BA Premium Plus Amex charges a huge £195 annual fee, so only get the card if you'll use the rewards. It gives bonus Avios when you join and spend on the card, plus if you reach a spend of £10,000 in a year, you'll earn a companion ticket.

Need to knows
  • You'll earn 1.5 Avios points per £1 spent on the card.
  • You'll also get an intro bonus of 25,000 Avios points when you spend £3,000 in your first three months. See Boost Your Avios Points.
  • A companion ticket allows someone to travel with the cardholder in the same cabin class without using points for them. The cardholder must still pay Avios as normal, and both must pay taxes and charges. It's valid for 24 months but Avios reward flights can book up quickly, so you'll need to book well in advance and be flexible.
  • Repay IN FULL every month to avoid paying the 22.9% interest on purchases which would wipe any gain.
  • Intro bonus? 25,000 Avios
  • Standard miles: 1.5 for every £1
  • Annual fee: £195
  • Min income: N/A
  • Miles expire after? 3 years from when you collect your last one
  • A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 22.9% (variable) with an annual fee of £195, your representative APR will be 76% (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.

As well as eligibility you'll get...

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Credit Club now holds your full Experian Credit Report, so you can see what lenders really know, including payment history, applications, what credit you have and more.

MoneySavingExpert Affordability score

Lenders separately assess how much you can afford to borrow, factoring in income and expenditure. Our affordability score mimics that.

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Credit Score

Your Credit Score's based on what's in your credit report and is a speedy overview of how well you're managing your credit accounts.

MoneySavingExpert Real World Credit Hit Rate

What really counts is if you apply for products, will you get 'em? We show your chances of getting a basket of top credit cards & loans.

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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.

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