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Credit card eligibility checker

Use our eligibility checker to see what cards you could get approved for

  • Compare cards from leading providers
  • See if you’re pre-approved before you apply
  • Searching won’t harm your credit score

Use MoneySuperMarket’s eligibility checker to find your next credit card

Applying for a credit card can be tricky. There are hundreds of cards on the market and it’s sometimes difficult to know which you’re eligible for, or what interest rate you’ll get. Plus, applying for a credit card leaves a mark on your credit file – so if you apply and you’re rejected it could be harder to get another card in the future.

But with MoneySuperMarket’s credit card eligibility checker you don’t have to worry about this. Simply give us a few details about yourself and your finances, and we’ll show you your chances of being accepted for different credit cards from across the market.

You’ll also be able to see which cards you’ve been pre-approved for. This means the deal you see is exactly what you’ll get. We’ll show you the interest rate, 0% interest period, and any annual fees – so you’ll have all the information you need before you apply. The only thing we can’t guarantee is your credit limit. This will be confirmed when you apply.

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How does the eligibility checker work?

Our eligibility checker is quick and easy. Simply give us a few details about yourself and we’ll build a profile of what credit cards are available to you – and how likely you are to get them. That way you can see which cards you’re most likely to get and apply with confidence

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See your odds

We’ll show you a range of great credit card deals, along with a personalised eligibility score out of 10 for each one

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Accurate results

Our scores are based on data. So, if you see an 8/10, that means 80% of people with similar finances have been approved

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Guaranteed rates

10/10 means you’ve been pre-approved – you’re guaranteed to get the card, with the exact interest rate shown 

What cards can I check my eligibility for?

However you plan to use your credit card, you can use our eligibility checker to see your odds of being accepted. It works on every type of card - so whether you want rewards when you spend or to consolidate your debts, make sure you check your eligibility first.

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    Balance transfer credit card

    Check your eligibility for balance transfer cards if you’re looking to pay less interest on an existing debt

    Learn more

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    0% interest credit card

    To help spread the cost of a big expense, see all your options with our purchase card eligibility checker

    Learn more

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    Balance transfer and purchase

    Our eligibility checker protects you from nasty surprises when you apply for an all-rounder credit card

    Learn more

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    Credit builder

    If you’ve got bad credit you may still be able to get a credit card – our credit builder eligibility checker will show you which ones.

    Learn more

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    Rewards

    Some credit cards offer cashback and other added bonuses. Use our tool to see if you’re eligible for a rewards card

    Learn more

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    Overseas

    See if you’re eligible for a credit card that won’t hit you with hefty extra fees when you use it to spend abroad

    Learn more

Know where you stand with a pre-approved credit card

You could get pre-approved for a card if you meet all the lender’s criteria. This means you don’t need to worry about whether or not you’ll be accepted when you make your application. Plus, the deal you see is always the deal you’ll get, so you’ll know exactly where you stand.

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Apply with confidence

If you’re pre-approved, the interest rate, 0% period and fee (if any) are all confirmed – the only thing not guaranteed is your credit limit

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Personalised results

You’ll be pre-approved for a card based on your credit score and finances, so all the results you see are tailored to you

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You’re in safe hands

With a pre-approved card you don’t need to worry about being turned down and there’s no risk to your credit score

What do I need to check my eligibility?

MoneySuperMarket’s eligibility checker is fast, free, and easy – all you need to do is fill out a quick form, and we’ll do the rest. We’ll only ask you about a few basic details – no need for any complex paperwork. Here’s what you need to start your search:

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Personal info

That’s your name, date of birth, and marital status – this helps us fetch your credit score

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Your home

We’ll need to know your address, plus whether you’re renting, living with family, or a homeowner

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Your finances

All that’s left is your annual income, along with your monthly spend on rent or your mortgage

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What if I’m not eligible for any cards?

There’s always the chance that our eligibility checker won’t find any credit cards for which you’re likely to be accepted. This is usually because you have a low credit score. 

The good news is that using our eligibility checker won’t have impacted your credit score in any way. But there are still things you can do to help change your credit score for the better.

MoneySuperMarket’s free credit monitor is a great tool to help you take charge of your credit. You can use it to check your credit score whenever you want without any risk, and you’ll get alerts if there's any changes.

How to compare credit cards with MoneySupermarket

Comparing credit cards couldn’t be easier with MoneySuperMarket. Our eligibility checker tool will show you the cards you’re most likely to be approved for – so you can protect your credit score.

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Tell us about yourself

We'll ask you a few simple questions about you and your financial circumstances, and what you need from a credit card

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We browse the market

Then we’ll sift through dozens of credit cards offers from across the market to show you the cards we think will suit you best

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Pick the card you want

You'll be shown a range of credit cards which you'll be able to sort according to APR, features and your chances of being approved

When you use MoneySuperMarket’s credit card eligibility checker we perform a ‘soft’ search on your credit history. This means that we look up your credit report to find out some basic information about your finances. But it doesn’t affect your credit score, and you can do it as many times as you like.

When you apply for a credit card, however, your provider will perform a ‘hard’ credit search. This is more thorough – and it also leaves a mark on your credit file – as evidence you are searching for credit. 

If someone else looks up your credit report later, they’ll see that a hard search has been performed. Too many hard searches can lower your credit score. So it’s a good idea to always check your eligibility before you apply to avoid harming your credit score.

Even if you have a low credit score, it’s still possible to get approved for a credit card. Credit builder credit cards are designed specifically for people with low credit scores who want to improve their credit rating. It’s likely that you’ll be offered a low credit limit at first, maybe just a couple of hundred pounds for example, and the interest rate is likely to be relatively high. But if you use your card responsibly you’ll be offered more credit – and your score will improve too. As your credit score improves this should open the door to better credit card deals at lower interest rates.

If you’re not eligible for any credit builder cards, there are other ways to improve your credit score as a first step in finding suitable credit products. 

If you’re pre-approved for a card, your interest rate and 0% period are guaranteed – but we still can’t say for certain what your credit limit will be. This is because credit card companies usually only set your credit limit after they’ve performed a hard credit search. But don’t worry if your credit limit isn’t as high as you’d like: many providers will raise your credit limit if you ask, especially if you’ve been using your card responsibly for a few months.

If you apply for a credit card and you’re rejected you won’t be able to take advantage of the deal on offer. But being rejected for a card doesn’t impact your credit score. Still, this doesn’t mean it’s a good idea to apply for lots of credit cards if your eligibility is low.

Every time you apply for a credit card, your provider performs a hard search on your credit report – and every hard search is recorded. This means that if you apply for one credit card, it doesn’t matter if you’re accepted or rejected: the same thing will happen to your credit score. However, if you keep applying for cards and getting rejected, the number of hard searches will pile up, and your credit score is likely to go down.

If you do get rejected for a card, there are steps you can take to improve your chances of being accepted in the future. Our free credit monitor tool helps you keep track of your credit score, and we’ll give you plenty of tips on improving your credit. But the best way to prevent disappointment is to check your eligibility first and see if you’ve been pre-approved for any cards.

APR stands for Annual Percentage Rate – it’s the amount of interest you’ll pay on any money you borrow. It also includes all upfront charges. 

When you compare credit cards with MoneySuperMarket, you’ll usually be shown a representative APR, which is the maximum rate that at least 51% of customers will be charged. Credit card companies tailor their APRs to each individual customer: so depending on your financial history and credit rating, your APR might be lower or higher than advertised. But if you’re pre-approved for a card, the APR you’re shown is exactly the rate you’ll be charged. 

Most credit cards have what’s called a variable APR. This means that the interest rate can change, usually based on the base rate set by the Bank of England. You don’t need to worry about your interest rates skyrocketing, though – the amounts involved are usually very small. For instance, if you’re borrowing £1,000 and the base rate rises by 0.25%, this would usually increase your monthly interest by around 20p.

The best card for you will depend on what you need the card for. In general, if you’re looking to cover a big purchase or transfer an existing debt, you’ll want a longer 0% interest period – but you should also consider the interest rates once that period ends. 

If you’re considering a cashback or rewards card you’ll want to see which cards offer the best perks – but you should also be aware of fees, which could cancel out the cashback or points you’re earning.

Luckily, with MoneySuperMarket it’s easy to compare all the credit cards we have on offer. You can sort them by APR, lowest fees, or longest interest-free period, and we’ll give you all the important details so you can quickly find the right card for you.

If you change your mind after applying for a credit card, you might be able to cancel your application. However, you can only withdraw your application until it’s been approved – and in some cases this can be very quick. Some providers automate the approval process, so it could only take minutes for your application to be approved or denied. And even if you manage to withdraw your application in time, keep in mind that the hard search of your credit history might have already taken place – so your application will have already left a mark on your credit report.

Your credit rating, also known as your credit score, is a number that shows how well you’ve handled credit in the past. Different ratings agencies use slightly different scales, but a higher number is always better. If you’ve reliably made all your repayments and borrowed within your limits, your credit score should grow. However, if you’ve failed to pay back debts in the past, this can lead to bad credit or a low score.

high credit score makes it easier to apply for credit cards, loans, and mortgages. If you’re worried about your credit rating, our free credit monitor tool can help. You can check your credit score for free and get tips on increasing your rating.

When using a credit card, it’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, pay off at least the minimum monthly payment – ideally more.

Also avoid missing payments – credit card providers will often charge a penalty when you do, but more importantly, you risk harming your credit score.

Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month. 

Each time you make an application for a credit card, it leaves a record on your credit report. Too many applications will make it look like you are in desperate need for credit and as a result, your application may be rejected.

Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already. For example, an airmiles credit card is only going to be useful if you’re a regular flyer, no matter how tempting lounge access might be – but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.

If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge foreign transaction fees, so it can be a good idea to look for a card that won’t charge you for using it abroad.

Some cards will charge a fee if you use it to take cash out of a machine, and on top of that you’ll be charged interest from the moment you receive your money. So avoid using your credit card for cash withdrawals unless it’s an emergency.

Credit card fraud, like any fraud, can be very serious – you should always take care when using your credit card, and be careful where you keep it. Never tell anyone your PIN and regularly check your statements to make sure there are no surprises.

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  • Take control of your credit score by checking and improving it for free with Credit Monitor 
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But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.