HTTP/1.1 200 OK Date: Thu, 03 Aug 2017 20:42:55 GMT Content-Type: text/html; charset=iso-8859-1 Transfer-Encoding: chunked Connection: keep-alive Set-Cookie: __cfduid=d328b01b32faf4d03d451763fb90ef1b51501792974; expires=Fri, 03-Aug-18 20:42:54 GMT; path=/;; HttpOnly scode: 201 X-UA-Compatible: IE=edge Server: cloudflare-nginx CF-RAY: 388c1b2d6b6b4f38-DME Content-Encoding: gzip Credit cards eligibility calculator - MoneySavingExpert
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Credit Card Eligibility Calculator Beta

Find which credit cards you're most likely to be accepted for – protecting your Credit Score

Get full Credit Club eligibility

For your free Experian Credit Report, Experian Credit Score, MSE Affordability Score, unique Credit Hit Rate and your eligibility for top credit cards & loans, join Credit Club.

Previously the only way to know if you’d be accepted for a credit card was to apply, but that left a mark on your credit file that could be seen by lenders impacting your ability to get future credit. The eligibility calculator matches your information from a ‘soft search’ enquiry (that lenders never see), to a wish-list from lenders to tell you your percentage chances of getting different credit cards.

  1. 1. We analyse your data
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    Your profile will be matched at the credit bureau.

  2. 2. Protect your credit file
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    Lenders won't see your search, so it won't affect your credit worthiness.

  3. 3. Show your chances
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    We’ll tell you your chances of getting the products before applying.

New. Some cards now give 100% acceptance chance – meaning you’re pre-approved to get them.

Which credit card eligibility calculator should you use?

  • Balance Transfers - Cut existing debt costs

    Shifting existing credit card or store card debts to a new balance transfer card can save you £100s or £1,000s. A balance transfer’s when one credit card repays debts on other credit or store cards, so you owe the new card but at a far lower rate, meaning you’re debt free quicker.

  • Bad Credit - For bad credit scorers

    If you’ve applied for a credit card and been rejected STOP THERE. Assess why you've been knocked back, then either find cards that fit your profile with this tool, or try to rebuild your credit rating using the top 'bad credit' credit card, and always pay it off in full.

  • Purchases - Interest free & low interest spending

    If you need to borrow for a defined purchase, then used correctly, credit cards are cheaper than loans - yet get it wrong and you'll be stuck in debt for years.

  • All-Rounder - Balance transfers & spending

    Lots of banks offer great intro deals to entice new customers. On cards these tend to be either good balance transfer deals, or an offer of low rates on new spending. All-rounder cards shout for custom by offering cheap intro rates on BOTH balance transfers AND purchases. So if you want to both move debts from an existing expensive card, and also need to use a card to spend on, these are worth checking out as they won't damage your credit score with unnecessary applications.

  • Travel Money - For spending overseas

    Most cards add a 3% cost to the exchange rates banks themselves get. You can avoid this by packing a specialist card that doesn't add this 'load', meaning you'll get perfect exchange rates which beat even the best bureaux de change. Pocket one just for spending overseas, though always repay IN FULL to avoid interest.

  • Money Transfer - 0% cash into your bank account

    Money Transfer credit cards allow you pay money from your new credit card into your current account for a small fee, you then get a long interest free period to pay off the debt. If you don’t pay it off in the given time you’ll be charged with a hefty interest rate. If you’re looking to borrow under £2,000 money transfer cards are often the very cheapest way to do so, but ONLY if you religiously make your payments each month.

  • Cashback - Pays you when you spend

    Cashback credit cards pay you every time you spend on them, possibly £100s a year. Top cards can pay as much as 5% introductory cashback, others give 3% on fuel and transport spending. There are also some good fee-free, near-cash reward cards which come close to what cashback cards can offer.

  • Airline - Get air miles while you spend

    Airline credit cards are an extension of frequent flyer programmes. You earn miles or points as you spend, not as you fly, plus you can get bonus ones for signing up. Miles earned from spending can be combined with those you've earned from flying – or through other credit card reward schemes, such as converting Tesco Clubcard points. Added together, you can build up your stash much more quickly.

Some of the providers we search

We search over 16 providers for credit cards and loans, some of the big ones we use are listed below. Unfortunately we don't cover the whole market yet, but we're working hard to add new providers and will update this as soon as we have more.

  • Barclays
  • Post Office
  • TSB
  • Santander
  • Lloyds bank
  • Sainsbury's bank
  • Halifax
  • HSBC
  • Natwest
  • M&S Bank Limited is an appointed representative of Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190). Financial Group Limited, registered in England No. 3157344. Registered Office: Moneysupermarket House, St. David's Park, Ewloe, CH5 3UZ.