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You have up to % eligibility on 0 cards

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy

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Note that this is illustrative and this figure does not reflect the credit limit you will be offered.

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Barclaycard Platinum 18 Month Balance Transfer

Barclaycard Platinum 18 Month Balance Transfer
18 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£0.00
Cost of fees over 18 months
Barclaycard Platinum 18 Month Balance Transfer

Total cost of fees over 18 months:

£0.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£166.67

Assuming a balance transfer of £3,000, you will need to repay at least £166.67 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 0% of the balance transferred; 0% of £3,000 is £0.00.

How are the monthly repayments calculated?

The monthly repayment of £166.67 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 18 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£166.67 p/m
To pay off balance over 18 months
Apply
Representative example: When you spend £1,200 at a rate of 19.90% (variable) per annum, your representative APR is 19.90% APR (variable)

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card
25 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£81.00
Cost of fees over 25 months
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Total cost of fees over 25 months:

£81.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£123.24

Assuming a balance transfer of £3,000, you will need to repay at least £123.24 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.7% of the balance transferred; 2.7% of £3,000 is £81.00.

How do I pay the card fees?

The fee of £81.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £123.24 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 25 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£123.24 p/m
To pay off balance over 25 months
Apply
Representative example: When you spend £1,200 at a rate of 19.90% (variable) per annum, your representative APR is 19.90% APR (variable)

MBNA 0% Transfers and Purchases Card

MBNA 0% Transfers and Purchases Card
26 months
0% interest on balance transfers
20.9% APR
Representative APR (variable)
£86.70
Cost of fees over 26 months
MBNA 0% Transfers and Purchases Card

Total cost of fees over 26 months:

£86.70

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£118.72

Assuming a balance transfer of £3,000, you will need to repay at least £118.72 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.89% of the balance transferred; 2.89% of £3,000 is £86.70.

How do I pay the card fees?

The fee of £86.70 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £118.72 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 26 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£118.72 p/m
To pay off balance over 26 months
Apply
Representative example: When you spend £1,200 at a rate of 20.93% (variable) per annum, your representative APR is 20.90% APR (variable)

Lloyds Bank Platinum 24 Month Balance Transfer Credit Card

Lloyds Bank Platinum 24 Month Balance Transfer Credit Card
24 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£45.00
Cost of fees over 24 months
Lloyds Bank Platinum 24 Month Balance Transfer Credit Card

Total cost of fees over 24 months:

£45.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£126.88

Assuming a balance transfer of £3,000, you will need to repay at least £126.88 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 1.5% of the balance transferred; 1.5% of £3,000 is £45.00.

How do I pay the card fees?

The fee of £45.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £126.88 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 24 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£126.88 p/m
To pay off balance over 24 months
Apply
Representative example: When you spend £1,200 at a rate of 19.94% (variable) per annum, your representative APR is 19.90% APR (variable)

Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card
29 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£90.00
Cost of fees over 29 months
Halifax 29 Month Balance Transfer Credit Card

Total cost of fees over 29 months:

£90.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£106.55

Assuming a balance transfer of £3,000, you will need to repay at least £106.55 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 3% of the balance transferred; 3% of £3,000 is £90.00.

How do I pay the card fees?

The fee of £90.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £106.55 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 29 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£106.55 p/m
To pay off balance over 29 months
Apply
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.90% APR (variable)

Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card
25 months
0% interest on balance transfers
20.9% APR
Representative APR (variable)
£90.00
Cost of fees over 25 months
Sainsbury’s Bank Dual Credit Card

Total cost of fees over 25 months:

£90.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£123.60

Assuming a balance transfer of £3,000, you will need to repay at least £123.60 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 3% of the balance transferred; 3% of £3,000 is £90.00.

How do I pay the card fees?

The fee of £90.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £123.60 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 25 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£123.60 p/m
To pay off balance over 25 months
Apply
Representative example: When you spend £1,200 at a rate of 20.95% (variable) per annum, your representative APR is 20.90% APR (variable)

Virgin Money 23 Month All Round Credit Card

Virgin Money 23 Month All Round Credit Card
23 months
0% interest on balance transfers
21.9% APR
Representative APR (variable)
£87.00
Cost of fees over 23 months
Virgin Money 23 Month All Round Credit Card

Total cost of fees over 23 months:

£87.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£134.22

Assuming a balance transfer of £3,000, you will need to repay at least £134.22 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.9% of the balance transferred; 2.9% of £3,000 is £87.00.

How do I pay the card fees?

The fee of £87.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £134.22 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 23 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£134.22 p/m
To pay off balance over 23 months
Apply
Representative example: When you spend £1,200 at a rate of 21.90% (variable) per annum, your representative APR is 21.90% APR (variable)

Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card
20 months
0% interest on balance transfers
20.9% APR
Representative APR (variable)
£0.00
Cost of fees over 20 months
Sainsbury's Bank No Balance Transfer Fee Credit Card

Total cost of fees over 20 months:

£0.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£150.00

Assuming a balance transfer of £3,000, you will need to repay at least £150.00 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 0% of the balance transferred; 0% of £3,000 is £0.00.

How are the monthly repayments calculated?

The monthly repayment of £150.00 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 20 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£150.00 p/m
To pay off balance over 20 months
Apply
Representative example: When you spend £1,200 at a rate of 20.95% (variable) per annum, your representative APR is 20.90% APR (variable)

M&S Credit Card

M&S Credit Card
20 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£87.00
Cost of fees over 20 months
M&S Credit Card

Total cost of fees over 20 months:

£87.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£154.35

Assuming a balance transfer of £3,000, you will need to repay at least £154.35 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.9% of the balance transferred; 2.9% of £3,000 is £87.00.

How do I pay the card fees?

The fee of £87.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £154.35 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 20 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£154.35 p/m
To pay off balance over 20 months
Apply
Representative example: When you spend £1,200 at a rate of 19.90% (variable) per annum, your representative APR is 19.90% APR (variable)

Barclaycard Platinum 28 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 28 Month Balance Transfer Visa Credit Card
28 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£52.50
Cost of fees over 28 months
Barclaycard Platinum 28 Month Balance Transfer Visa Credit Card

Total cost of fees over 28 months:

£52.50

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£109.02

Assuming a balance transfer of £3,000, you will need to repay at least £109.02 to clear the balance before the 0% offer expires.


How are the card fees calculated?

With this card, for each transfer you pay an initial fee of 3.5% of the balance transferred; 3.5% of £3,000 is £105.00. This should be refunded (terms apply) at a later date, so you will pay an "effective fee" of 1.75%52.50). This example uses the effective fee.

How do I pay the card fees?

The fee of £52.50 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £109.02 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 28 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£109.02 p/m
To pay off balance over 28 months
Apply
Representative example: When you spend £1,200 at a rate of 19.90% (variable) per annum, your representative APR is 19.90% APR (variable)
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Frequently asked questions

Frequently asked questions

What is a credit card eligibility checker?

Our eligibility checker uses the information you have provided to run a ‘soft’ credit check to estimate the likelihood of you being accepted for a credit card. Unlike applying for a credit card, it doesn’t leave a mark on your credit file as an application for credit.

Who can use this service?

You can check your eligibility for credit cards if you are over 18 and currently have a valid UK address.

To get the most accurate results you will typically need at least three years of address history, but there may be some cards available to you if you have less than this.

How does it work?

We run the information you provide via our soft credit checking partners HD Decisions and Capital One. They cross reference a profile based on your information with the acceptance criteria of different credit cards.

Your information is kept securely and will be used in accordance with our terms of use and privacy policy, HD Decisions' terms of use and Capital One's terms of use.

Is an eligibility check the same as a 'hard' credit check?

It is not the same as a formal application for credit, meaning using this tool won’t be flagged to potential lenders as an application on your credit report.

Our eligibility checker uses a soft credit check, which means it will look at the information you’ve provided and information on your credit report to estimate your credit score.

This also means we can only provide an estimate of your eligibility for a credit card and cannot guarantee acceptance or rejection.

Why do you need my personal and employment details?

Your age, name and address are used to verify your identity and match it up to your credit file.

As credit card providers care about the security of your income, employment status is used as a rough indicator of this.

Some cards have minimum income requirements. To avoid inaccurate probability results, please ensure this is accurate.

How long are my results valid for?

Your eligibility results are estimates based on information pulled from your credit profile on the day you perform the check. However these estimates may become less accurate as time passes, especially if you do anything that might affect your credit score.

Our soft credit checking partners (HD decisions and Capital One) refresh the information they use to estimate your eligibility on a monthly basis.

So, if you are looking at results that are a few weeks old, you should probably start again and do a new eligibility check to get more accurate results.

If you have any pre-approved results, these are only valid for 24 hours from when you first complete the eligibility check.

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