Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{::sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

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{{::getProductProperty('name')}}
Chance of approval 10/10 GUARANTEED
Chance of approval {{::product.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
Start
What's this?

To apply for this card

Go to site

To apply for this card

Go to site

{{::getProductProperty('brand.name')}}
{{::getProductProperty('name')}}
Chance of approval 10/10 GUARANTEED
Chance of approval {{::product.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
Start
What's this?

To apply for this card

Go to site

To apply for this card

Go to site

{{::getProductProperty('decal.text')}} {{::getProductProperty('shortMarketingText')}}

Representative Example: If you spend {{::representativeExample.amount | handleCurrencyFilter}} at {{::representativeExample.interestDescription}} interest rate of {{::representativeExample.interestRate}}% p.a. ({{::representativeExample.fixed === false? 'variable': 'fixed'}}) {{::representativeExample.feeAmount !== null && representativeExample.feeDescription ? 'with a ' + (representativeExample.feeAmount | handleCurrencyFilter) + ' ' + representativeExample.feeDescription + ' fee': ''}} your representative rate will be {{::representativeExample.apr}}% APR ({{::representativeExample.isAPRFixed === false? 'variable': 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

THE BASICS

  • Representative APR {{::product.productAttributes.interestRates.representativeExample.apr}}% ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed | mappingFilter: aprFixedMap}})
  • Payment Network {{::product.productAttributes.paymentNetworkId | mappingFilter: paymentNetworkMap}}
  • Balance transfer fee {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% or £{{::product.productAttributes.fees.balanceTransfer.minFee}}, whichever is greater or £{{::product.productAttributes.fees.balanceTransfer.maxFee}}, whichever is greater
  • Balance must be transferred within {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.introWindowMonths | singleOrPluralFilter : "month" : "months"}}
  • Balance must be transferred within {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.introWindowDays | singleOrPluralFilter : "day" : "days"}}

CARD FEATURES

Great for

But be aware that

IS THIS CARD RIGHT FOR YOU?

To take this card you

Introductory interest rates

Type
Rate
Duration
Purchases
{{product.productAttributes.interestRates.introductoryInterestRates.purchase.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths | addMonthFilter}}
Cash advances
{{product.productAttributes.interestRates.introductoryInterestRates.cashAdvance.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.introductoryInterestRates.cashAdvance.durationInMonths | addMonthFilter}}
Balance transfers
{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths | addMonthFilter}}
Cheque advances
{{product.productAttributes.interestRates.introductoryInterestRates.chequeAdvance.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.introductoryInterestRates.chequeAdvance.durationInMonths | addMonthFilter}}
Money transfers
{{product.productAttributes.interestRates.introductoryInterestRates.moneyTransfer.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.introductoryInterestRates.moneyTransfer.durationInMonths | addMonthFilter}}

Long term interest rates

Type
Monthly
Annual
Purchases
{{product.productAttributes.interestRates.longTermInterestRates.purchase.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | handlePercentageFilter}}
Cash advances
{{product.productAttributes.interestRates.longTermInterestRates.cashAdvance.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.longTermInterestRates.cashAdvance.annualRate | handlePercentageFilter}}
Balance transfers
{{product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | handlePercentageFilter}}
Cheque advances
{{product.productAttributes.interestRates.longTermInterestRates.chequeAdvance.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.longTermInterestRates.chequeAdvance.annualRate | handlePercentageFilter}}
Money transfers
{{product.productAttributes.interestRates.longTermInterestRates.moneyTransfer.monthlyRate | handlePercentageFilter}}
{{product.productAttributes.interestRates.longTermInterestRates.moneyTransfer.annualRate | handlePercentageFilter}}
Price for risk
{{product.productAttributes.interestRates.priceForRisk | handleBooleanFilter}}

Fees

Type
Fee
Annual Fee
{{product.productAttributes.fees.annualFee | handleCurrencyFilter}}
Monthly Fee
{{product.productAttributes.fees.monthlyFee | handleCurrencyFilter}}
Late Payment
{{product.productAttributes.fees.latePaymentFee | handleCurrencyFilter}}
Over credit limit
{{product.productAttributes.fees.overCreditLimitFee | handleCurrencyFilter}}
Foreign exchange EU
{{product.productAttributes.fees.euExchangeFee | handlePercentageFilter}}
Foreign exchange non-EU
{{product.productAttributes.fees.nonEuExchangeFee | handlePercentageFilter}}
Return payment
{{product.productAttributes.fees.returnPaymentFee | handleCurrencyFilter}}
Copies of statements
{{product.productAttributes.fees.copyOfStatementFee | handleCurrencyFilter}}
Copies of statements
{{product.productAttributes.fees.copyOfStatementFee | handleCurrencyFilter}} (maximum {{product.productAttributes.fees.maxCopyOfStatementFee | handleCurrencyFilter}} per request)
Copies of statements
(maximum {{product.productAttributes.fees.maxCopyOfStatementFee | handleCurrencyFilter}} per request)
Copies of statements
Returned Credit Card Cheque Default Sum
{{product.productAttributes.returnedChequeDefaultSum | handleCurrencyFilter}}
Type
Handling fee
Min fee
Max fee
Cash advances
{{product.productAttributes.fees.cashAdvance.handlingFee | handlePercentageFilter}}
{{product.productAttributes.fees.cashAdvance.minFee | handleCurrencyFilter}}
{{product.productAttributes.fees.cashAdvance.maxFee | handleCurrencyFilter}}
Cheque advances
{{product.productAttributes.fees.chequeAdvance.handlingFee | handlePercentageFilter}}
{{product.productAttributes.fees.chequeAdvance.minFee | handleCurrencyFilter}}
{{product.productAttributes.fees.chequeAdvance.maxFee | handleCurrencyFilter}}
Balance transfers
{{product.productAttributes.fees.balanceTransfer.handlingFee | handlePercentageFilter}}
{{product.productAttributes.fees.balanceTransfer.minFee | handleCurrencyFilter}}
{{product.productAttributes.fees.balanceTransfer.maxFee | handleCurrencyFilter}}
Money transfers
{{product.productAttributes.fees.moneyTransfer.handlingFee | handlePercentageFilter}}
{{product.productAttributes.fees.moneyTransfer.minFee | handleCurrencyFilter}}
{{product.productAttributes.fees.moneyTransfer.maxFee | handleCurrencyFilter}}

REPAYMENT DETAILS

  • Interest free period - {{::product.productAttributes.repaymentDetails.interestFreePeriod}} {{'day' | pluralize:product.productAttributes.repaymentDetails.interestFreePeriod}}
  • Your monthly minimum payment will be the greater of:
    • {{::product.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{::product.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
    • {{::product.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement
    • OR
    • The full balance if less than £{{::product.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
    • OR
    • {{::product.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any
      arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details

Credit limit

Type
Limit
Minimum credit limit
{{product.productAttributes.creditLimits.minCreditLimit | handleCurrencyFilter}}
Maximum credit limit
{{product.productAttributes.creditLimits.maxCreditLimit | handleCurrencyFilter}}

Other features

Type
Limit
Free purchase protection
{{product.productAttributes.freePurchaseProtection | handleBooleanFilter}}
Internet fraud guarantee
{{product.productAttributes.internetFraudGuarantee | handleBooleanFilter}}
Rewards
No rewards
{{item}}

HOW YOUR PROMOTIONAL RATES WILL CHANGE

  • After {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize:product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}}, the rate on Balance Transfers will go from {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% to {{::product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate}}%.
  • After {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize:product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}, the rate on Purchases will go from {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% to {{::product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate}}%.

FEES TO BE AWARE OF

  • For a balance transfer, you'll be charged {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% of the balance you're transferring.
  • For a balance transfer, you'll be charged {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% of the balance you're transferring. There is a minimum charge of £{{::product.productAttributes.fees.balanceTransfer.minFee}}.
  • For a balance transfer, you'll be charged {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% of the balance you're transferring. There is a maximum charge of £{{::product.productAttributes.fees.balanceTransfer.maxFee}}.
  • For a balance transfer, you'll be charged {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% of the balance you're transferring. There is a minimum charge of £{{::product.productAttributes.fees.balanceTransfer.minFee}}. There is a maximum charge of £{{::product.productAttributes.fees.balanceTransfer.maxFee}}.

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