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
Your personalised chance of approval
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
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
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
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
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
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
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.
Tandem Bank