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Credit card EligibilityCheck

Try our EligibilityCheck to see what type of credit cards you could get from selected providers

Try our EligibilityCheck to see what type of credit cards you could get from selected providers

Try our EligibilityCheck to see what type of credit cards you could get from selected providers

Try our EligibilityCheck to see what type of credit cards you could get from selected providers

Try our EligibilityCheck to see what type of credit cards you could get from selected providers

Prefer to see what types of credit cards are in the market?

Without checking your eligibility you can still see what types of credit cards are in the market and go and apply.

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What is a credit card EligibilityCheck?

Our credit card EligibilityCheck, provided by Runpath Regulated Services Limited, gives you an indication of what credit cards you’re likely to be accepted for, based on your credit information and the provider’s lending criteria.

Why should I use a credit card EligibilityCheck?

Use our EligibilityCheck if you want to see how likely it is that you’ll qualify for a card before you apply for it. This can help you to avoid applying for any credit cards that you’re likely to be declined for. Applying for multiple credit cards and having the applications denied will impact your credit score and this is likely to make it harder for you to borrow money in the future.

What information do I need to use the EligibilityCheck?

  • Your personal details and your UK address history
  • Your annual salary, other income and expenditures

What are the minimum requirements for applying for a credit card?

  • You must be 18 years or over. For some credit cards, you might need to be 21 to apply
  • You need to be a UK resident with full rights to live in the UK, and have at least three years of UK address history

Lenders on our credit card EligibilityCheck service:

Credit card eligibility check results only apply to selected providers and not to all the credit cards you can compare with us, so you may be eligible for other cards. The results returned do not mean that you are necessarily eligible with each lender listed and this check is not part of a credit card application.

  • Virgin Money
  • Virgin Money Atlantic
  • Barclay Card
  • Sainsbury's Bank
  • Tandem Bank
  • M&S Bank
  • 118-118 Money
  • HSBC
  • Nationwide

There may be other credit cards you're eligible for when comparing the market.

We will be increasing our panel over the coming months, so watch this space as our panel will only get bigger and bigger.

Start your EligibilityCheck

Frequently asked questions

How does the credit card EligibilityCheck work?

Our EligiblityCheck finds your credit file, collects the financial details that you input and matches this information against a panel of credit card lenders’ lending criteria. In order for us to locate your credit file we ask you to give us some personal details, which include your date of birth and your address history.

The credit card EligibilityCheck results only apply to a select panel of providers. Therefore, this may not reflect all of the cards that you might be eligible for if you use our credit card comparison service.

Will using the checker impact my credit score?

No, the EligibilityCheck will not impact your credit score as it’s based on a soft credit search and is not connected to an actual credit card application. You can use the EligibilityCheck as many times as you like without it affecting your credit file. You’ll be able to see the EligibilityCheck on your credit file, but a lender won’t.

If you actually apply for a credit card, then the lender will perform a hard credit search. Each hard search remains on your credit file for two years.

It’s important to have an understanding of your credit score because multiple credit card applications can appear to show that you’re unable to manage your finances and borrow effectively.

How will my information be used?

The information that you provide, such as your personal details and address history, will be used to find your credit file. We need access to your credit file in order to calculate your eligibility for a credit card.

You can find out full details about the use of your data, along with important information about your rights, in our Privacy and Cookie Policy, which you’ll need to read before you can see your eligibility results. If you’re providing information about someone else, please make sure that they’re aware of our Privacy Policy as well.

How are the results shown?

Your results will be shown on the results page once you've completed the eligibility check, using a scale of 0-100%. The scores are based on the assumption that the details you've provided are correct and they may be subject to fraud checks.

If you receive a score of 100% for a card, then your application will definitely be accepted if you decide to apply. A higher % score indicates that you can be fairly confident that you'll be accepted for that particular card. Please note that this checker is to give you an indication of your eligibility; it's down to the provider to make the final decision on whether or not you'll be accepted for a card. If you have a low % score for a card, then it's unlikely that your application will be accepted.

Your results will also show any cards you're not eligible for and your application will be declined if you choose to apply. If you don't receive a rating for any of the cards, then you may have entered information incorrectly.

I’m concerned about my credit history. Does the checker include cards for bad credit?

If you’re concerned about having a poor credit history, you can still use our eligibility checker as it includes cards for bad credit, also known as credit-building credit cards. If the results page shows you’re likely to be accepted for one of these cards, you might want to consider applying as they can be a way to improve your credit rating - ensuring that you’re able to keep up with the monthly repayments.

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