Credit Card Eligibility Calculator TM

Rewards cards

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

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Amex Nectar Card

Will you get it?

27.3 (incl fee)%
Rep APR

Will you get it?

27.3% (incl fee)

Rep APR

Amex Nectar

Bonus 20,000 Nectar points worth £100, plus no annual fee in year one
Click here for full card info
    • Representative variable rate: 27.3% APR (Official APR Examples)
    • Annual fee: £25 (waived in year 1)
    • Reward scheme: Nectar points
    • Value of one point: 0.5p (1p at some retailers)
    • Points' expiry: One year if you don't collect or spend any points
    • Points per £100: 200
  • A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 22.2% (variable) with a £25 annual fee, your representative APR will be 27.3% (variable).

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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.

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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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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
Enter address manually
Residential status
Is your previous address outside the UK?
Previous address
Enter address manually

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.

£

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