Credit card eligibility checker

Check your eligibility to find out which credit cards you can apply for.

  • See your estimated credit limit up front.
  • We'll tell you if you’re pre-approved for any cards.
  • This check won't affect your credit score.

Check now

Credit subject to status.

Why check your eligibility

Explore your options

We'll show you the credit cards you can apply for.

Check your estimated credit limit

Find out how much credit you might get before you apply.

Keep your credit score safe

This check won't affect your credit score and there's no obligation to apply.

Let's break it down

Who it's for

You can apply for a credit card if you:

  • are a UK resident aged 18 or over
  • have a regular income
  • don't have a history of bad credit, such as bankruptcy, Individual Voluntary Arrangement (IVA) or County Court Judgments (CCJs)
  • haven't been declined for a Bank of Scotland credit card in the last 30 days.

Information about you

You'll need to tell us:
 
  • your addresses for the last 3 years
  • your annual income and employment status
  • the account number and sort code of your main current account
  • details of other spending commitments.

Check if you're eligible

 

 

Already with Bank of Scotland

Scan the QR code to get the app.

You must be registered for online banking to apply in the app.

Once you're in, select Apply then Credit cards.

 

 
 

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.
 

Check your eligibility

Already with Bank of Scotland

You must be registered for online banking to apply in the app.

Once you're in, select Apply then Credit cards.

Get the app

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.
 

Check your eligibility

A look at the details

  • Getting turned down for a credit card can have a negative affect on your credit score.

    This eligibility check helps protect your credit score by showing you which cards you can apply for.

    During this first step we'll only complete a soft search, which won't affect your credit score.

  • We’ll show you which credit cards you can apply for, and your estimated credit limit.

    You can then complete a full credit card application. We’ll use the information you've already given us, so you don’t have to give it again. If you submit a full credit application, we'll then complete a hard credit check. This will be noted on your credit file and may impact your credit score.

    The application process is secure. Our privacy notice tells how we use and store your information.

    To keep your details safe, we’ll clear the form after a period of inactivity. 

You might also like

Help and guidance

Whether you’re new to credit cards or you’re an existing customer we are here to help.

Help and guidance

Activate credit card

You need to activate your new credit card before you start using it.

Activate your credit card

Borrowing options

When borrowing money, you need to make the right choice for you and your circumstances.

Borrowing options

Credit cards

Check eligibility, compare Bank of Scotland credit cards, manage your account, and get support online.

Explore credit cards

Credit cards

Check eligibility, compare Bank of Scotland credit cards, manage your account, and get support online.

Explore credit cards