Credit Card Eligibility Calculator TM

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

Get full Credit Club eligibility

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

Will you get it?


Will you get it?



BA American Express

Free companion ticket on £20k+ spend
Click here for full card info

Spend £20,000 on this BA Amex card in a year and you get a companion ticket to use when you redeem your earned Avios points for flights. Good if you're a couple who like to spend and will use long haul flights, though you'll still need to pay taxes and charges.

Need to knows
  • You'll earn 1 Avios point per £1 spent on the card.
  • Spend £1,000 in the first three months and you'll receive 5,000 bonus Avios points.
  • You'll still have to pay taxes on any free flights that you redeem.
  • 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 12 months but Avios reward flights can book up quickly, so you'll need to book well in advance and be flexible.
  • Be sure you repay in full, otherwise the gain will be eroded by the 22.9% representative APR.
  • Intro bonus? 5,000 Avios
  • Standard miles: 1 for every £1
  • 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...

New! Free Experian
Credit Report

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.

Free Experian
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.

Join Credit Club
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.