Credit Card Eligibility Checker

Credit card eligibility checkers enable people to apply for credit cards with a greater degree of certainty that they will be accepted for a particular product. Eligibility checkers use a 'soft search' of a credit file to determine an applicant's likelihood of acceptance, so multiple 'hard searches', which can have a negative impact on an overall credit rating, are not necessary. Compare credit cards with eligibility checkers below and make a full application with confidence.

 APPLY ONLINE

Credit Needed
Good
  • Earn unlimited cashback everywhere - 10% on selected Asda Money insurance products, *1% cashback on your Asda shopping & Asda fuel and 0.5% everywhere else
  • 0% on balance transfers for 12 months
  • 0% on purchases of £200 or more for 6 months at George.com
  • Get a FREE credit report for life
  • Contactless payment
  • You must be a UK resident, aged 18 years or over, have a household income of at least £10,000
  • Earn unlimited cashback everywhere - 10% on selected Asda Money insurance products, *1% cashback on your Asda shopping & Asda fuel and 0.5% everywhere else
  • 0% on balance transfers for 12 months
  • 0% on purchases of £200 or more for 6 months at George.com
  • Get a FREE credit report for life
  • Contactless payment
  • You must be a UK resident, aged 18 years or over, have a household income of at least £10,000
  • Balance Transfers
    Intro
    0%
    12 Months
    2.90% Fee
    Purchases
    Intro
    0%
    6 Months†
    Rewards
    Cashback & Asda Discounts
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Fair
  • 0% interest on purchases for 3 months
  • A starting credit limit between £150 and £1,200
  • Free ongoing access to your Experian Credit Score
  • Stay on top of your spending with free text reminders
  • You must be an employed UK resident, aged 18 years or over, earning at least £3,000 per year, you must not currently be bankrupt or undergoing an IVA and do not have more than one CCJ
  • 0% interest on purchases for 3 months
  • A starting credit limit between £150 and £1,200
  • Free ongoing access to your Experian Credit Score
  • Stay on top of your spending with free text reminders
  • You must be an employed UK resident, aged 18 years or over, earning at least £3,000 per year, you must not currently be bankrupt or undergoing an IVA and do not have more than one CCJ
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    0%
    3 Months
    Rewards
    Barclaycard Unwind
    Annual Fee
    Invalid Type
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Designed for people with bad credit or building credit
  • More access to credit over time with up to two optional credit limit increases offered every year
  • The rate you see here is the rate you will get if accepted
  • Simple online servicing helps you stay in control
  • Pay for items Contactlessly
  • Must be a UK resident, aged 18 years or over
  • Must have had credit in the UK previously
  • To potentially be eligible for credit limit increases, use your card sensibly by making your monthly minimum payment on time and staying below your credit limit. Not doing so could harm your credit rating
  • Designed for people with bad credit or building credit
  • More access to credit over time with up to two optional credit limit increases offered every year
  • The rate you see here is the rate you will get if accepted
  • Simple online servicing helps you stay in control
  • Pay for items Contactlessly
  • Must be a UK resident, aged 18 years or over
  • Must have had credit in the UK previously
  • To potentially be eligible for credit limit increases, use your card sensibly by making your monthly minimum payment on time and staying below your credit limit. Not doing so could harm your credit rating
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Great for people with bad credit or who are looking to improve their current rating - even if they have had problems with credit in the past
  • Credit limit from £200 to £1,500
  • Online response in 60 seconds
  • Pay contactlessly up to £30
  • Must be a UK resident, aged 18 years or over
  • You must have had credit in the UK before
  • You must not have been declared Bankrupt in the last 12 months
  • Great for people with bad credit or who are looking to improve their current rating - even if they have had problems with credit in the past
  • Credit limit from £200 to £1,500
  • Online response in 60 seconds
  • Pay contactlessly up to £30
  • Must be a UK resident, aged 18 years or over
  • You must have had credit in the UK before
  • You must not have been declared Bankrupt in the last 12 months
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    29.8%
    APR

Representative Example: Representative 29.8% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 29.84% p.a. (variable)

 APPLY ONLINE

Credit Needed
Fair
  • FastCheck your eligibility for an instant response before you apply - without affecting your credit score
  • Choose your repayment date and receive text alerts when you are approaching your credit limit
  • Start with an easy-to-manage credit limit of £100-£1,200
  • Credit limit review after 3 months, so you could get an increase on your 4th statement
  • You must be a UK resident, aged 18 years or over, with no CCJs or bankruptcy in the past 12 months
  • FastCheck your eligibility for an instant response before you apply - without affecting your credit score
  • Choose your repayment date and receive text alerts when you are approaching your credit limit
  • Start with an easy-to-manage credit limit of £100-£1,200
  • Credit limit review after 3 months, so you could get an increase on your 4th statement
  • You must be a UK resident, aged 18 years or over, with no CCJs or bankruptcy in the past 12 months
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    24.8%
    APR

Representative Example: Representative 24.8% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 24.84% p.a. (variable)

  • 0% on purchases for 3 months
  • FastCheck your eligibility for an instant response before you apply - without affecting your credit score
  • Choose your repayment date & get text alerts when approaching your credit limit
  • Start with an easy-to-manage credit limit of £100-£1,200
  • Possible credit limit increase after 4 months
  • You must be a UK resident, aged 18 years or over, with no CCJs or bankruptcy in the past 12 months
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    0%
    3 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

  • Check your eligiblity for this card without affecting your credit rating
  • 1% cashback on all Asda spend, including Asda stores, Living, Grocery Home Shopping, petrol and George.com
  • 0.5% cashback on all other purchases
  • No fees when used to buy foreign currency from Asda Travel Money
  • A manageable credit limit to start with - up to £600 and no cash withdrawals initially
  • You must be a UK resident, aged 18 years or over, have a household income of at least £10,000 and not be in receipt of unemployment benefits
  • Check your eligiblity for this card without affecting your credit rating
  • 1% cashback on all Asda spend, including Asda stores, Living, Grocery Home Shopping, petrol and George.com
  • 0.5% cashback on all other purchases
  • No fees when used to buy foreign currency from Asda Travel Money
  • A manageable credit limit to start with - up to £600 and no cash withdrawals initially
  • You must be a UK resident, aged 18 years or over, have a household income of at least £10,000 and not be in receipt of unemployment benefits
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Cashback & Asda Discounts
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)

  • Features a QuickCheck service that tells you before you apply if you will be accepted. This does not harm your credit score
  • Credit Limits up to £1,500
  • One simple interest rate for all transactions
  • Free text alerts to help you stay in control
  • Contactless payment up to £30
  • Must be a UK resident on the electoral roll, and have some history of managing credit
  • Features a QuickCheck service that tells you before you apply if you will be accepted. This does not harm your credit score
  • Credit Limits up to £1,500
  • One simple interest rate for all transactions
  • Free text alerts to help you stay in control
  • Contactless payment up to £30
  • Must be a UK resident on the electoral roll, and have some history of managing credit
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    39.9%
    APR

Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.9% p.a. (variable)

  • 0% on balance transfers for 5 months (3% fee - £3 minimum)
  • FastCheck your eligibility for an instant response before you apply - without affecting your credit score
  • Choose your repayment date & get text alerts when approaching your credit limit
  • Start with an easy-to-manage credit limit of £100-£1,200
  • You must be a UK resident, aged 18 years or over, with no CCJs or bankruptcy in the past 12 months
  • 0% on balance transfers for 5 months (3% fee - £3 minimum)
  • FastCheck your eligibility for an instant response before you apply - without affecting your credit score
  • Choose your repayment date & get text alerts when approaching your credit limit
  • Start with an easy-to-manage credit limit of £100-£1,200
  • You must be a UK resident, aged 18 years or over, with no CCJs or bankruptcy in the past 12 months
  • Balance Transfers
    Intro
    0%
    5 Months
    0.00% Fee
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Features a QuickCheck service that tells you before you apply if you will be accepted. This does not harm your credit score
  • Credit Limits up to £1,500
  • One simple interest rate for all transactions
  • Free text alerts to help you stay in control
  • Contactless payment up to £30
  • Must be a UK resident on the electoral roll, and have some history of managing credit
  • Features a QuickCheck service that tells you before you apply if you will be accepted. This does not harm your credit score
  • Credit Limits up to £1,500
  • One simple interest rate for all transactions
  • Free text alerts to help you stay in control
  • Contactless payment up to £30
  • Must be a UK resident on the electoral roll, and have some history of managing credit
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    39.9%
    APR

Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • 0% for 35 months on balance transfers - (2.80% fee)
  • 0% for 20 months on money transfers - (2.50% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design from our fabulous range
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • 0% for 37 months on balance transfers - (1.95% fee)
  • 0% for 20 months on money transfers - (2.50% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design from our fabulous range
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfers
    Intro
    0%
    35 Months
    2.80% Fee
    Purchases
    Intro
    0%
    3 Months
    Rewards
    Travel, Wine & Entertainment
    Annual Fee
    £0
    Representative APR (variable)
    20.9%
    APR

Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Check your eligibility with absolutely no risk to your credit file
  • You'll start with an easy to manage credit limit up to £1,000, but you could get a credit limit increase after your 5th statement up to £4,000
  • Free fraud monitoring
  • Good for applicants who want to build or rebuild their credit rating
  • Must be a UK resident, aged 18 or over
  • Not available to applicants who already hold a Vanquis Bank issued credit card (Vanquis, Aquis, NEO, Black Diamond, Chrome)
  • Check your eligibility with absolutely no risk to your credit file
  • You'll start with an easy to manage credit limit up to £1,000, but you could get a credit limit increase after your 5th statement up to £4,000
  • Free fraud monitoring
  • Good for applicants who want to build or rebuild their credit rating
  • Must be a UK resident, aged 18 or over
  • Not available to applicants who already hold a Vanquis Bank issued credit card (Vanquis, Aquis, NEO, Black Diamond, Chrome)
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    39.9%
    APR

Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
  • No fees on overseas purchases
  • 0% for 12 months on balance transfers (no fee), purchases, and money transfers (2% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Customers can also enjoy a host of travel offers including 5% off at Virgin Holidays and £25 cashback on Virgin Money Travel Insurance and Virgin Money International Money Transfers
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • No fees on overseas purchases
  • 0% for 12 months on balance transfers (no fee), purchases, and money transfers (2% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Customers can also enjoy a host of travel offers including 5% off at Virgin Holidays and £25 cashback on Virgin Money Travel Insurance and Virgin Money International Money Transfers
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfers
    Intro
    0%
    12 Months
    0.00% Fee
    Purchases
    Intro
    0%
    12 Months
    Rewards
    Virgin travel discounts
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 30 months on Balance Transfers (0.55% fee) & Money Transfers (4% fee)
  • 0% for 3 months on purchases
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design from our fabulous range
  • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • 0% for 30 months on Balance Transfers (0.55% fee) & Money Transfers (4% fee)
    • 0% for 3 months on purchases
    • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
    • Choose your card design from our fabulous range
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
    • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • Balance Transfers
      Intro
      0%
      30 Months
      0.55% Fee
      Purchases
      Intro
      0%
      3 Months
      Rewards
      Virgin discounts
      Annual Fee
      £0
      Representative APR (variable)
      20.9%
      APR

    Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

     APPLY ONLINE

    Credit Needed
    Excellent
    • 0% for 25 months on balance transfers (2.70% fee), 0% for 25 months on purchases & 0% for 25 months on money transfers (2.70% fee)
    • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
    • Choose your card design from our fabulous range
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
    • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • 0% for 25 months on balance transfers (2.70% fee), 0% for 25 months on purchases & 0% for 25 months on money transfers (2.70% fee)
    • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
    • Choose your card design from our fabulous range
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
    • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • Balance Transfers
      Intro
      0%
      25 Months
      2.70% Fee
      Purchases
      Intro
      0%
      25 Months
      Rewards
      Virgin discounts
      Annual Fee
      £0
      Representative APR (variable)
      18.9%
      APR

    Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

     APPLY ONLINE

    Credit Needed
    Good
    • 0% for 24 months on balance transfers (no fee), and 0% for 24 months on money transfers (4% fee applies)
    • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
    • Choose your card design from our fabulous range
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
    • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • 0% for 24 months on balance transfers (no fee), and 0% for 24 months on money transfers (4% fee applies)
    • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
    • Choose your card design from our fabulous range
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
    • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • Balance Transfers
      Intro
      0%
      24 Months
      0.00% Fee
      Purchases
      Intro
      0%
      3 Months
      Rewards
      Virgin discounts
      Annual Fee
      £0
      Representative APR (variable)
      19.9%
      APR

    Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

     APPLY ONLINE

    Credit Needed
    Good
    • 0% for 32 months on balance transfers (0.60% fee applies), and 0% for 3 months on purchases
    • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
    • Choose your card design from our fabulous range
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
    • Must be a UK resident, aged 18 years or over, with a good credit rating
    • 0% for 32 months on balance transfers (0.60% fee applies), and 0% for 3 months on purchases
    • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
    • Choose your card design from our fabulous range
    • Earn cashback when you shop online with over 500 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
    • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • Balance Transfers
      Intro
      0%
      32 Months
      0.60% Fee
      Purchases
      Intro
      0%
      3 Months
      Rewards
      Travel, Wine & Entertainment
      Annual Fee
      £0
      Representative APR (variable)
      20.9%
      APR

    Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

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    What is a credit card eligibility checker?

    Credit card eligibility checkers are tools that enable applicants to understand whether they are likely to be accepted for a particular product before they make a full application.

    Eligibility Checkers are a relatively new phenomenon in the credit card space, but they are becoming increasingly popular, not only with consumers, but also regulators, who see their benefit to consumers.

    How do eligibility checkers work?

    To understand how eligibility checkers work, it is necessary to understand the process undertaken when an application for a credit card is made.

    Firstly, a customer compares credit card deals and finds a product they wish to apply for. Once the application form has been completed and submitted to the card issuer, a number of checks are undertaken to assess whether an applicant should be approved or declined. These checks involve the credit card issuer gathering data from a number of different sources. This data is then used to inform the issuer’s ‘decisioning’ model, or score card.

    Some of the most important data that influences the lenders decision is the data held by the UK credit reference agencies. Issuers will source credit reference data from at least one, but usually two of the UK reference agencies – permission for this sourcing is agreed by the applicant in the terms and conditions of the application form. Every time an issuer sources this data (also known as a ‘hard search’) a mark is left on the credit file of the applicant that credit has been applied for.

    These marks are to be expected, but having too many of these marks (especially in quick succession) is often interpreted by prospective lenders as a signal that the applicant is in need of credit because they are in financial distress. People in financial distress are not viewed as good prospects for lenders, so they generally decline credit to people with too many applications. How many is ‘too many’ is open to interpretation, but they should be kept to an absolute minimum.

    Eligibility checkers are a powerful tool because they use the data that credit card issuers obtain when they conduct a ‘hard search’, but eligibility checkers do not leave a mark on the applicant’s credit file. This is because they use what is known as a ‘soft search’, the type of search that is undertaken when an individual checks their own credit record. Issuers use the data they obtain to accurately determine an applicant’s prospects of being accepted for credit before they make a full application. This means that only applicants who have been told that they are likely to be accepted go on to make a full application. When a full application is made, a full ‘hard search’ is completed.

    If an applicant is informed that they have little chance of being accepted, they are then able to apply for alternative products, without a mark on their file to indicate they have made other recent applications.

    Do eligibility checkers always work?

    Unfortunately eligibility checkers are not always failsafe. People can still be rejected having been informed via an eligibility checker that they were likely to be accepted. However, cases such as these are limited and eligibility checkers are indeed very accurate. The technology that powers eligibility checkers is now so reliable that a number of issuers can pre-approve applicants solely on the basis of the ‘soft search’ they conduct.

    What information is required for a ‘soft search’?

    To use online credit card eligibility checkers, an applicant must supply much of the data they might be required to supply for a full application, including:

    • Name
         > Prior names
    • Date of birth
    • Address
         > Previous addresses
    • Employment status
    • Income

    This can seem onerous if completed a number of times, but the certainty of success that eligibility checkers offer makes the task more than worthwhile.