See your chances of being accepted before you apply
It's quick, simple and free
It won't affect your credit score
To get the most accurate and meaningful results please fully complete this form.
You can see which credit cards are most likely to accept your application in minutes with our credit card checker.
Limiting your search to the cards you've got the best chance of getting reduces the risk of damaging your credit score with a rejected application.
Choose the type of card you want from the dropdown menu. Here's how to find the right type of card for you.
Enter your details including your name, address and income, and click through to see your results.
See your chances of being accepted. If you've selected a card, you'll see this first followed by the cards most likely to accept you.
Reorder your results by things like the representative APR or balance transfer period to help you find the right card.
Choose a credit card that's likely to accept you and click the button to start your application. Look for the best credit card for you with the highest chance of acceptance.
The results we show you are supplied by a company called HD Decisions. They use Experian, Equifax and Callcredit to run their credit checks.
It won't leave a mark on your credit record, because it uses a soft search credit check to work out which cards you're likely to get.
We can't guarantee you'll be accepted for any card, but our credit card checker can give you a good idea of which ones you could get.
You'll still need to pass the provider's fraud and identity checks, and the results you get are only valid at the time of checking.
If your results do not show any cards likely to accept your application, this may be because:
You have a poor credit record, for example if you've missed payments before
You've got little or no credit history to check, for example if you've never had a credit card or loan
You don't meet the provider's lending criteria, for example if you're below their minimum age
If you want to improve your credit score, there are a few steps you can take:
Get registered on the electoral roll
Check for mistakes on your credit file
Pay your bills on time. This includes utility bills and repayments on any debts
Reduce the amount of existing debt
Keep your credit utilisation low. This is the amount of credit you're using vs the amount of credit available to you. Generally, it's a good idea to keep your credit utilisation at 30% or below
Avoid making several applications for credit at the same time
Wait at least six months before re-applying for credit if you've been rejected for credit.
If you're struggling to find a card and need to improve your credit record, you could consider a credit building card.
Here's how else you can improve your credit record, including how to get a free credit score.
You can find out by using our eligibility checker. You can use it to find the cards most likely to accept you before you apply.
We need them to help us find your credit history and generate your chance of acceptance scores.
No, you still need to pass the lenders fraud checks and a full credit history check but a good score means you're more likely to be accepted.
If you've got scores for some cards, the check has been successful. Not all providers have signed up to the service, so we can't get scores for every card.
Last updated: 14 January, 2021