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Credit card eligibility checker

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

Why check your eligibility with MoneySuperMarket?

It’s a great idea to check your eligibility with us before applying for a credit card. Here’s why.

  • Compare cards from leading providers

    Whatever type of credit card you need, we’ll present you a wide selection from the biggest names in the market

  • See if you’re pre-approved before you apply

    Our eligibility checker will show you your chances of being accepted for each card before you decide

  • Searching won’t harm your credit score

    Our soft search will help reduce your chances of applying for the wrong card and being declined

What is a credit card eligibility checker?

A credit card-eligibility checker is a soft search on your finances that will show you your chances of being accepted for each credit card and any that you’ll be pre-approved for.

Using our eligibility checker won’t leave a mark on your credit rating.

Credit card illustration

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

  • Enter a few details

    Answer some quick questions on your finances and we’ll show you a range of great credit card deals, each with a personalised eligibility score

  • Get your 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

  • See where you’re pre-approved

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

What type of credit cards might I be eligible 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’d like a card that earns you rewards when you spend or you’re looking to consolidate your debts, make sure you check your eligibility first.

  • 1

    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

  • 2

    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

  • 3

    Balance transfer and purchase

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

    Learn more

  • 4


    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

  • 5


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

    Learn more

  • 6


    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.

  • 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

  • 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

  • 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 details 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:

  • Personal info

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

  • Your home

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

  • Your finances

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

What if I’m not eligible for any cards?

There’s always a 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. There are also steps you can take to help improve your credit score

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.

credit score app

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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.

  • 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

  • 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

  • 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 improvetheircredit 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. Being rejected for a card doesn’t impact your credit score, but that 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. In general, 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 a bad credit rating or a low credit score.

A 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.

It’s worth checking your eligibility every time you apply for a new credit card. Checking your eligibility won’t leave a mark on your credit rating, but will give you confidence that you’ll be approved when you apply.

There are several steps you can take to improve your credit rating, such as getting on the electoral roll and checking the accuracy of your credit report to correct any mistakes. However, the most important thing for the long term is to stay on top of your finances so you pay off any outstanding debt. Our guide on how to improve your credit score can help further.

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.

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

  • Take control of your credit score by checking and improving it for free with Credit Monitor 

  • Never overpay again with Energy Monitor, our energy monitoring service 

  • Over 50 ways to Get Money Calm

So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

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.