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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Finds your % chance of getting top airline cards

Virgin Atlantic White

Will you get it?

22.9%
Rep APR

Will you get it?

22.9%

Rep APR

Virgin Atlantic White

Free companion ticket on £15k spend
Is this card right for you?

This Virgin Atlantic White card gives you an alternative to Avios points. For £10,000 you'll earn an upgrade from economy to premium economy. If you're a really big spender and reach £15,000 in a year, you'll earn a free companion ticket.

Need to knows
  • You get both an Amex and a Visa card when you open this credit card account.
  • You'll earn 1 mile per £1 spent on the Amex and 1 mile per £2 on the Visa.
  • You'll also get an intro bonus of 3,000 miles on your first purchase within 90 days.
  • Companion tickets are valid for 12 months, though book early – flights are subject to availability. You'll need to call to book anyway so you'll be told the qualifying fare options then, though it's likely to be the more expensive fares, not the cheapest ones that MoneySavers would usually go for.
  • Upgrades are for economy to premium economy only. Upgrade vouchers are valid for 12 months and you can earn a maximum of two vouchers per year. You'll need to have used Flying Club miles to book the flights, and you'll need to pay taxes and charges on top.
  • Repay IN FULL every month to avoid paying interest, which would wipe any gain.
  • Intro bonus: 3,000 miles
  • Standard miles: 1 for every £1 (Amex), 1 for every £2 (Visa)
  • Annual fee: N/A
  • 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) your Representative APR would be 22.9% (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...

Free Experian
Credit Score

Lenders assess your future behaviour from your past. Your credit score's based on your 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.

MoneySavingExpert Real World Credit Hitrate

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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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.

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