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 balance transfer cards

AA Low Rate (BT)

Will you get it?

5.85%
Rep APR

Will you get it?

5.85%

Rep APR

The AA - 5.85% rep APR, no fee

Good low-rate card with no balance transfer fee
Click here for full card info

The AA Low Rate credit card offers 0% on balance transfers for three months, and then a low 5.85% interest for the life of the card. It also offers the same low rate on spending.

Need-to-knows
  • Not everybody gets the 5.85% rate, poorer credit scorers get 10.4% or 14.9% rates.
  • No balance transfers are allowed from any Bank of Ireland cards, including Post Office cards and other AA cards.
  • Balance transfer length & fee: 5.85%, no fee
  • Minimum payment: Greater of 1% of balance plus interest, 2.5% of balance or £5
  • Min income: £8,000 | Card issuer: Mastercard | Time limit: 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 5.85% (variable) your Representative APR would be 5.85% (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.

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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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