Checking which cards will accept you is better than finding out by applying for several cards. Applying for too many looks bad on your credit record and could mean lenders decide not to accept you.
Using our free eligibility tool can help you:
Save time by not applying for cards that would reject you
Avoid damage to your credit record
Will it harm your credit record?
No, using our eligibility checker will not affect the credit score you are given by financial companies.
The tool will not leave a mark on your credit record even though it uses a credit check because it uses a "soft search".
You will be able to see that your record has been checked if you look at it yourself, but credit card, mortgage and loan companies will not be able to see this search when they credit check you.
How to use the eligibility checker
Either choose the card you want and click the link to check if you can get the card, or use the check button at the top of the table.
Enter your name, address and income details, and press the button to see your results.
We will then show you the likelihood of being accepted for each card in the table as a percentage. If you have selected a card, we will show it first followed by the cards most likely to accept you.
If any lenders pre-approve you for their cards, we will let you know.
You can reorder the results by their representative APR or other factors to help you pick the one that suits you.
Choose the best card that is likely to accept your application and choose "See deal" to begin the application.
*If you are not sure what type you need, this guide to credit cards will help you choose.
Are you guaranteed to get the card?
Some lenders offer pre-approval for some customers. Getting pre-approved means you will be accepted as long as you pass their fraud and identity checks.
But we cannot guarantee if you will be accepted for every credit card. With cards that do not offer you pre-approval, we can give you an idea of your chances.
This can let you know which cards are worth applying for and which ones will turn you down.
The results are provided by a company called HD Decisions, who use Experian, Equifax and Callcredit to run their credit checks. Their testing shows that their results are usually accurate and improve the more people use the tool.
You should be accepted if you pass the lender's identity and fraud checks and you apply for the credit card today using the same personal details you entered on our site. If you are pre-approved for more than one credit card offered by one lender, you may not get all of them if you apply for more than one card.
Some lenders let you know what interest rate you will get when they pre-approve you. Others decide on the interest rate when you fully apply for a credit card. We will let you know if the interest rate is guaranteed for each card that pre-approves you.
What else can you do to get accepted?
What if a card does not show a score?
Although almost all of the UK's credit card companies are signed up to our eligibility checking service, we cannot show results for cards that have not signed up.
These cards will not allow you to check their eligibility and we will indicate any cards that we cannot provide results for.
If no eligibility results show for any cards at all once you have entered your details, this may mean the details you have entered do not match the records held by credit checking agencies because:
Your name is different, or you have used a middle name, nickname or alternative spelling
Your address does not match because you have recently moved or it has been formatted differently
You have never borrowed before and have no credit history
If you have no credit history, this guide explains how to get your first credit card. If you may have entered your name or address details incorrectly, please amend them and run the eligibility check again.