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Credit cards

How to apply for a credit card

5 step guide

Applying for a credit card is a quick and easy process. In most cases, your application will be complete in under 30 minutes. But, to increase your chances of a successful application, you need to keep a few things in mind.

Here’s a step-by-step guide on how to get a credit card in the UK:

1. Find the right credit card

Not all credit cards are the same, and you need to find the right offer for your spending needs.

If you’re looking for a card you can travel with, you should look for one with no foreign transaction fees. If you want to clear some debt, you could find a card that offers 0% on balance transfers. You can even find cards that reward you for shopping.

Students who need a little extra help making it through the term can apply for a student credit cardwhich has a lower credit limit.

Visit our credit card comparison hub to find the right card for you.
Eligibility applies. Over 18s only.

2. Check your eligibility with our tool

Rejected applications for credit have a negative effect on your credit score. Each time you are rejected by a lender, it can be harder for future applications to be accepted.

Our credit card eligibility checker shows your chances of having your application accepted. It takes just 2 minutes and there’s no impact on your credit rating.

3. Organise a credit score check

Your credit score lets providers know if you are suitable for a specific card. The better your score is, the greater choice you have when it comes to applying for credit cards and larger credit limits.

Companies, such as Experian, keep files that show how financially reliable you are. Your score is based on your history of making payments (bills), paying back credit products (mortgages, loans, etc.) and even how often you apply for credit.

Remember, unsuccessful credit card applications could affect your score, so make sure you know your credit score before starting the application process.

You can visit Experian to request your free credit score file.

Take a look at our guide to credit scoring for information on credit scores.

4. Make sure you understand credit card offers

You need to understand what your credit limits and APR mean before accepting an offer. Credit limits and APR are based on your personal circumstances and your credit score, and if you don’t know how much you can spend and the rate you have to pay it back, you risk going over your credit limit.

If you have any questions or are unsure about the terms of the offer, ask us for a little more clarification and we can help.

5. Complete the application

The easiest way to apply for a credit card is to apply online. It is easy, safe and secure and usually doesn’t take long. It’s likely you’ll need to have the following documents to hand:

Your address details for the last 3 years

Your income, outgoings and employment details

A note of any cards you wish to transfer a balance from

Your bank account details

Watch our short video guide to find out more about applying online with us.

Other ways we can help

Our range of credit cards

Take a look at our range of credit cards and compare costs, benefits and features. It's all here in one place. Eligibility applies. Over 18s only.

Credit card, overdraft or loan?

If you're looking to find out whether a credit card, loan or overdraft is right for you, then our borrowing needs tool is a good place to get started.

Something else we can help you with?