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Credit Card Eligibility Calculator

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.

Credit Card
Eligibility Calculator

A few years ago, the only way to know if you'd be accepted for a credit card was to apply, but that leaves a mark on your credit report that lenders could see, impacting your ability to get credit in future. Our Eligibility Calculator uses a 'soft search' (that lenders can't use) to calculate and show your percentage chance of getting top credit cards.

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    1. Choose the right type of card for you
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    Don't know what you're looking for? We describe below what the cards do to help you choose

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    2. Fill in our form, and we check your chances
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    It should only take a few minutes, and our search won't impact your credit score

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    3. See which cards you have the best chance of getting
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    Compare your scores and the cards' features, then choose and apply

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

Get started


Loans Eligibility


Some of the providers we search

We search more than 16 providers for credit cards and loans, some of the big ones are listed below. Unfortunately we don't cover the whole market yet, but we're working hard to add new providers all the time.

  • 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.