Tandem credit cards

Could a Tandem credit card be the right one for you?

Tandem is a “challenger” bank that was founded in 2013. Its credit cards are built for travelling with zero additional fees on all transactions abroad. The cashback card also offers 0.5% cashback on all purchases over £1.

Founded in 2013, Tandem is a challenger bank that acquired Harrods Bank in January of 2018. It’s a “challenger” in the sense that it is taking on the established high street and online banks.

Currently offering fixed term savings accounts, as well as their credit card offering, Tandem aim to offer a borrowing solution that is flexible and a service that is fast and reliable.

The Tandem Cashback Credit Card offers 0.5% cashback on all purchases over £1 worldwide and no additional fees on transactions abroad. If you’re a frequent traveller, it could be a good way to avoid overspending.

Tandem also offer the Journey Credit Card, which has the same travel features but without the cashback feature.

Both cards offer free protection on purchases over £100 and certain protections from fraud (terms and conditions apply).

Tandem’s app also offers real-time spending alerts to help you keep on top of your finances. Other features include digital statements and the ability to freeze the card directly from the app.

Compare Tandem credit cards - Sorted by APR

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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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Chance of approval 10/10 GUARANTEED
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Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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What's good about this card

What to be aware of

Repayment details

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  • Your monthly minimum payment will be the greater of:
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Tandem Bank

Tandem Bank

Balance transfer

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EXPLORE MORE CREDIT CARDS

How to check if you’re eligible for a Tandem credit card

To apply for a Tandem credit card, you must be at least 18, have a current address and at least three years’ address history in the UK. For the Cashback Credit Card you must have a minimum income of £13,000 per year and for the Journey Card you must have a minimum income of £6,000 per year.

Using MoneySuperMarket’s Eligibility Checker allows you to browse credit cards without creating a ‘hard check’ on your credit file. This means you can check the likelihood of being accepted for a Tandem credit card without hurting your credit score.

Simply input some of your details, like name, address, and financial situation, and you will see a list of deals, alongside the likelihood of your being accepted.

How to apply for a Tandem credit card

Once you have found the right card for you using the Eligibility Checker, all you need to do is click through to apply.

How to manage your Tandem credit card

Tandem has an app, through which you can manage everything to do with your credit card. The app automatically shows how much you have spent that month, any upcoming bills you have and alerts you when bills increase, or a payment comes through.

Tandem is also contactable by in-app chat, phone, email and post.