Credit Card Eligibility Calculator TM

Airline cards

Find your chances of being accepted for the top cards so you can make a better decision before applying

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Joining MSE's Credit Club will give you the same eligibility results you’ll get below, but you’ll also get your free Experian Credit Report & Score, an assessment of your affordability, and your unique Credit Hit Rate. Join Credit Club.

Virgin Atlantic Reward

Will you get it?

22.9%
Rep APR

Will you get it?

22.9%

Rep APR

Virgin Atlantic Rewards

Companion ticket on £20k spend, plus up to 10,000 bonus miles
Click here for full card info
    • Intro bonus: 5,000 if you spend anything within 90 days; 5,000 extra if you spend £1,000 within 90 days
    • Standard miles: 0.75 for every £1
    • Annual fee: None
    • Min income: £7,500
    • Miles expire after? N/A
    • 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 63.9% (variable) (incl fee).
  • 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*

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

Find your chances of being accepted for the top cards

2
mins

Good news!

Our 2-min eligibility calculator uses a 'soft search' to find your acceptance chances, so - unlike applying - it doesn't impact your credit score.


About you 1/3
Your name
Date of birth
/
/
Marital status
How many people depend on you financially?

This may be child(ren), partner or parent(s)

How much do you spend looking after dependents each month?
£

Please tell us much how you spend each month on childcare, school fees and child or spousal maintenance

Why do we need your address history?

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.

Your address 2/3
Residential status
Is your previous address outside the UK?
Previous address

Why is this important?

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.

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 finances 3/3
Employment status

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.

£

This is your income from your main employment before tax.

£

If you've other household income, eg partner's earnings, savings interest etc, enter it here (before tax). Please enter £0 if you don't.

£

Confirmation

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