Money Banking Motoring Home Health Travel Business Check which credit cards you're eligible for See your chances of being accepted before you apply It's quick, simple and free It won't affect your credit score To get the most accurate and meaningful results please fully complete this form. Credit Card Type What type of credit card are you looking for? select an option... Balance transfers Purchases Cashback Rewards Money transfers Credit building Next step Your details Your address Your Income Household information By submitting this form, you agree to our terms & conditions and privacy policy. See results How our credit card eligibility checker works You can see which credit cards are most likely to accept your application in minutes with our credit card checker. Limiting your search to the cards you've got the best chance of getting reduces the risk of damaging your credit score with a rejected application. Here's how to check if your credit card application will be accepted How to use our eligibility checker Choose the type of card you want from the dropdown menu. Here's how to find the right type of card for you. Enter your details including your name, address and income, and click through to see your results. See your chances of being accepted. If you've selected a card, you'll see this first followed by the cards most likely to accept you. Reorder your results by things like the representative APR or balance transfer period to help you find the right card. Choose a credit card that's likely to accept you and click the button to start your application. Look for the best credit card for you with the highest chance of acceptance. How does our eligibility checker work? The results we show you are supplied by a company called HD Decisions. They use Experian, Equifax and Callcredit to run their credit checks. It won't leave a mark on your credit record, because it uses a soft search credit check to work out which cards you're likely to get. Are you guaranteed to be accepted? We can't guarantee you'll be accepted for any card, but our credit card checker can give you a good idea of which ones you could get. You'll still need to pass the provider's fraud and identity checks, and the results you get are only valid at the time of checking. If your results do not show any cards likely to accept your application, this may be because: You have a poor credit record, for example if you've missed payments before You've got little or no credit history to check, for example if you've never had a credit card or loan You don't meet the provider's lending criteria, for example if you're below their minimum age How to improve your chances of being accepted If you want to improve your credit score, there are a few steps you can take: Get registered on the electoral roll Check for mistakes on your credit file Pay your bills on time. This includes utility bills and repayments on any debts Reduce the amount of existing debt Keep your credit utilisation low. This is the amount of credit you're using vs the amount of credit available to you. Generally, it's a good idea to keep your credit utilisation at 30% or below Avoid making several applications for credit at the same time Wait at least six months before re-applying for credit if you've been rejected for credit. If you're struggling to find a card and need to improve your credit record, you could consider a credit building card. Here's how else you can improve your credit record, including how to get a free credit score. Credit card eligibility FAQs Am I eligible for a credit card? Why do you need my personal details? Which types of cards can I see my chances of acceptance for? Does a good score mean I'm guaranteed to be approved? Can I get a credit card with bad credit Why don't I have a score for every card? Last updated: 14 January, 2021 Why check with us? We don't sell your data We don't sell your personal information, in fact you can use our site without giving it to us. If you do share your details with us, we promise to keep them safe. We check out every company we list Our data experts check the companies we list are legit and we only add them to our comparisons when we're happy they've satisfied our screening. We're a team of money experts We're totally passionate about giving you the most useful and up to date financial information, without any fancy gimmicks. facebook twitter linkedin youtube About us Guides Jobs Contact us Press Sitemap Our website is completely free for you to use but we may receive a commission from some of the companies we link to on the site. How money.co.uk works. money.co.uk is a trading name of Dot Zinc Limited, registered in England (4093922) and authorised and regulated by the Financial Conduct Authority (415689). Our registered address is: The Cooperage, 5 Copper Row, London, England, SE1 2LH. We are classed as a credit broker for consumer credit, not a lender. 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