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Check your eligibility for credit cards

See if you are likely to get a credit card - it's quick, free, and won't affect your credit score.

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Popularity APR Balance transfer Purchases
aqua Reward With Cashback

aqua Reward With Cashback

£20 Amazon voucher

aqua Reward With Cashback

  • £20 Amazon gift certificate exclusively through uSwitch (terms apply)
  • 0.5% cashback and no foreign transaction fees
  • Credit limit increase possible after four months
More info
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable)
Halifax 40 Month Balance Transfer Credit Card

Halifax 40 Month Balance Transfer Credit Card

2016 award winner

Halifax 40 Month Balance Transfer Credit Card

  • 3% transfer fee refunded to 2.46% within 90 days of transaction date
  • Manage your card online using Online Banking and Mobile Banking
More info
18.9% APR
Representative (variable)
40
 months
0% interest on transfers
3.0%
Transfer fee
6
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Nationwide Select Credit Card

Nationwide Select Credit Card

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
More info
15.9% APR
Representative (variable)
12
 months
0% interest on transfers
0.0%
Transfer fee
12
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable)
Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

  • Offer only available until 27 July 2016
  • 2.89% balance transfer fee refunded to 2.48 for transfers made in the first 3 months (3% thereafter)
  • Fee refund only available to nectar cardholders; £3 minimum fee applies
More info
18.9% APR
Representative (variable)
40
 months
0% interest on transfers
2.89%
Transfer fee
3
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

  • Offer only available until 27 Sept 2016
  • 5000 bonus Nectar points when you spend at least £800 (terms apply)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
More info
18.9% APR
Representative (variable)
18
 months
0% interest on transfers
3.0%
Transfer fee
27
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • have a permanent UK address
  • be over 18 years of age
  • not have been declined for credit in the last month
  • not have a history of bad credit
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank Foundation Clubcard Credit Card

Tesco Bank Foundation Clubcard Credit Card

Tesco Bank Foundation Clubcard Credit Card

  • Application response in 60 seconds
  • Designed to help build your credit rating
  • Credit limit subject to status
More info
27.5% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • not have applied for a Tesco Bank Credit Card in the last 6 months
  • have an annual income of at least £5,000
  • be at least 18 years of age
  • be a permanent UK resident
  • have not had any bankruptcies in the past 18 months
  • have not had any county court judgements in the past 18 months

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 27.54% (variable) per annum, your representative APR is 27.5% APR (variable)
Virgin 41 Month Balance Transfer Credit Card

Virgin 41 Month Balance Transfer Credit Card

2016 award winner

Virgin 41 Month Balance Transfer Credit Card

  • 4% balance transfer fee
  • 41 months 0% for money transfers (4% transfer fee)
  • 3 months 0% on Purchases
More info
20.9% APR
Representative (variable)
41
 months
0% interest on transfers
4.0%
Transfer fee
3
 months
0% interest on purchases
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
MBNA Platinum 40 Month Credit Card

MBNA Platinum 40 Month Credit Card

Limited offer

MBNA Platinum 40 Month Credit Card

  • Offer only available until 1 August 2016
  • 2.47% balance transfer fee for the first 60 days, 20.9% APR and 5% fee thereafter
  • 20 months 0% money transfers (4% transfer fee for first 60 days, 22.9 APR and 5% thereafter)
More info
18.9% APR
Representative (variable)
40
 months
0% interest on transfers
2.47%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • no balance transfers from MBNA or Fluid Money credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
thinkmoney Credit Card

thinkmoney Credit Card

thinkmoney Credit Card

  • Manage your account online and with a smartphone
  • 60 second eligibility QuickCheck that will not affect your credit score
  • Suitable for people looking to rebuild their credit profile
More info
35.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your representative APR is 35.9% APR (variable)
Chrome Credit Card 24.7% APR (variable)

Chrome Credit Card 24.7% APR (variable)

Chrome Credit Card 24.7% APR (variable)

  • New low APR card designed to help improve credit rating
  • Possibility to build Credit Limit up to £4000 over time
  • Online servicing, mobile app, SMS and email alerts
More info
24.7% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,000 at a rate of 24.7% (variable) per annum, your representative APR is 24.7% APR (variable)
See more cards

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Our credit card providers

Frequently asked questions

How do I choose the right type of card?

Our tables let you compare across a range of different criteria, but the right card depends on what you want it for. If you have a good credit rating and pay your bills on time, then a cashback or rewards card will give you extras on your spending.

If on the other hand you have a poor credit file, or don’t have a history of borrowing, a credit-builder or bad credit card will be more suitable. Or, if you have an existing credit card debt it’s balance transfer you’re after.

What makes one card better than the other?

Again, it depends how you’re going to be using it. If you have a large debt already a balance transfer card is your best bet. You can then choose to pay 0% for a longer period of time – the balance transfer period – or for a shorter period, but with no transfer fee.

If on the other hand you’ll be using it for purchases and spending you might want a card offering 0% on new purchases, again, for the longest period. If on the other hand you may have some outstanding balance at the end of the month then a low APR card could be suitable.

I've heard APR is the best way to compare, is that true?

APR, or annual percentage rate, is a great basis of comparison. It takes the interest rate, adds in any fees, and averages it out over the year. That means the lower the APR, the lower the overall interest rate and fees will be and the less you’ll pay overall.

Having said that APR can be relatively unimportant. If you’re transferring an existing debt to a balance transfer card then you’ll get a long 0% interest period, so knowing the APR may be less important than knowing how long you’ll pay 0%.

What happens when I hit 'apply'

When you hit the apply button we will take you to a page with more details about the card, as well as a summary box, any terms and conditions, and anything else you may need to know before you get the card.

What does 'will I get this card' mean?

Our ‘Will I get this card’ button is there to help you decide whether the card is suitable for you. Most cards have a few minimum criteria you need to meet before getting the card, but it’s important to realise that even if you meet the criteria you may not get the card.

Why might I be rejected for a card?

One of the key factors determining whether you will be accepted for the advertised credit card is your credit history, otherwise known as your credit report or score. This gives the lender an indication of how likely you are to repay the debt on the card.

If they think you’re a bigger risk, you may be asked to pay a higher interest rate. You can read more about credit reports in our guide pages.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.

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