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Credit card eligibility checker

In just a few minutes, see a list of credit cards you’re eligible to apply for, with an indication of your likelihood of being accepted - all without affecting your credit rating.

About our eligibility checker

We can’t tell you which of our credit cards is best for you but, by narrowing the search, an eligibility check should make choosing a little easier.

About our eligibility checker

Watch our video to discover how quick and easy it is to use our eligibility checker.  Find out your likelihood of being accepted without affecting your credit rating.

MBNA Geek Alice

Know the score in advance

Once you’ve completed a short form, we’ll do a quick check behind the scenes (called a quotation search) and display a list of cards you’re eligible to apply for.

You’ll also get an indication of your likelihood of being accepted for each card. Just remember, unless it’s a pre-approved offer, the APR, fees and duration may vary from those shown.

Read more...

Once you’ve chosen a card, you’ll need to confirm the details you’ve already provided and accept our eligibility check terms. We’ll then check which offer you’re eligible for.

If you’re happy, you can continue with the remainder of the full application from there.

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What’s great about a quotation search?

A quotation search enables us to do an initial assessment on your credit file without impacting your credit rating.

We’ll only complete a full search if you go on to submit a full credit card application.

The information you provide as part of the eligibility check will be retained and form part of your full application.

Like the rest of our website, the eligibility checker is safe and secure. Any information you provide to help us assess your credit card eligibility is protected.

Our eligibility pre-check and eligibility check terms apply.

Eligibility criteria
  • You’re a UK resident.
  • You’re aged 18 or over.
  • You’ve had a permanent UK address for 3 years or more.
  • You have a good credit rating/history.
  • You’re not unemployed or a student.
You’ll need to provide
  • Your address history for at least 3 years.
  • Contact details, including an email address.
  • Employment and salary information.
  • UK bank account details.
What we look for when making lending decisions

Lenders take a lot of things into consideration when making decisions, including:

<p>Records of existing credit, such as how well it’s managed and how much is owed.</p>

Records of existing credit, such as how well it’s managed and how much is owed.

<p>No records of any county court judgements (CCJs) or bankruptcies.</p>

No records of any county court judgements (CCJs) or bankruptcies.

<p>Affordability based on income.</p>

Affordability based on income.

<p>Address history.</p>

Address history.

<p>Previous full credit searches</p>

Previous full credit searches

The credit cards are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. American Express® is a registered trademark of the American Express company. MBNA Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.