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 balance transfer cards

Capital One 0% for six months, 3% fee

Will you get it?

34.9%
Rep APR

Will you get it?

34.9%

Rep APR

Capital One - 6mths 0%, 3% fee

A short-term respite from interest if you've a poor credit history
Click here for full card info

For those who've had past credit problems, Capital One's Balance card provides a rare lifeline – even if you've had past defaults or CCJs. The 0% on balance transfers only lasts for six months, so treat it as an opportunity to shift debt short-term, giving you a respite from interest which you should use to clear the card, if you can.

What's 'pre-approval'? Capital One has now provided info so we can tell many people they've a 100% chance of getting that exact deal (subject to passing its ID & fraud check). There's no impact on your credit score, though of course if you then apply, that marks your file.

Need-to-knows

  • After the 0%, the rate jumps to a huge 34.9% interest so clear it by then or transfer again.
  • Credit limits are low, ranging from £200 to £1,500.
  • You still have to pass a credit check and CCJs or defaults must be more than a year old.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
  • Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
  • Balance transfer length & fee: 6 months 0%, 3% fee
  • Min payment: Greater of 1% of balance plus interest, or £5 | Min balance transfer amount: £50
  • Min income: N/A | Card issuer: Mastercard | 0% Balance transfer 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 34.9% (variable) your Representative APR would be 34.9% (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...

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

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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.

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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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