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
We've used the details you gave us to show you how likely you are to be accepted for each card.
Why is this important?
Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.
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The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.
Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".
If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.
If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.
If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.
In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check.
