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

Lloyds up to 24 mths 0%, no fee

Will you get it?


Will you get it?



Lloyds - up to 24mths 0%, no fee

Good no-fee option
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The Lloyds credit card offers up to 24 months 0% and charges no fee to transfer your balance.


  • The deal is good if you can repay your balance in within the time. But if you can't then you'll need to look at the other cards available.
  • You must transfer your balance in the first 90 days to get the 0% deal. Transfers made after this time will pay 18.9% APR and a 3% fee.
  • You can't transfer from another Lloyds card (though you can from AA, Saga, Halifax or Bank of Scotland, which are also owned by the Lloyds group). 
  • Some people who get accepted for the card will get 13 months at 0% instead of the full 20 months.
  • After the 0% period ends, any debt left on the card will start to accrue interest at 18.9% representative APR (some people who get the card will be given APRs of 21.9% or 25.9%). Either pay off in FULL before interest hits, or, if you can't, do another balance transfer.
  • Balance transfer length & fee: Up to 24 months, no fee
  • 0% balance transfer time limit: First 90 days
  • Minimum payment: Greater of 1% of balance plus interest, or £5
  • Min income: N/A | Card issuer: Mastercard
  • A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 18.94% (variable) your Representative APR would be 18.9% (variable).

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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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