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Credit Cards

Know if you'll be accepted for a credit card before you apply

  • Get credit - up to £1,500
  • QuickCheck won't affect your credit rating
  • Get a fast response in 60 seconds
Check now 39.9% APR Representative (variable)
  • Get credit - up to £1,500
  • QuickCheck won't affect your credit rating
  • Get a fast response in 60 seconds

Mobile App

Make payments and check your balance on the go


The easiest way to pay for things up to £30

Free Alerts

Keep track of your spending with email and text alerts

See if you'll be accepted for this credit card before you apply with QuickCheck.

We do a pre-check of your online application for a credit card with the credit reference agencies before you apply.

Only you'll be able to see this on your credit report, so it won't impact your credit rating.

If we say yes, brilliant! You can apply with confidence.

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Help improve your credit rating

Improving your credit rating means better deals when you apply for credit online. And who wouldn't want that?

Using the Ocean Credit Card responsibly could boost your credit rating, providing you make your payments on time and remain under your credit limit. Not doing so could harm it.

About the Ocean Credit Card

The Ocean Credit Card is issued by Capital One (Europe) plc and has an interest rate of 39.9% APR representative variable with no annual fee. There's an initial credit limit of £200 to £1,500 and the amount offered varies by customer depending on their credit history and financial situation. Ocean Finance is a trading name of Intelligent Lending Limited.

See what our customers say about us

Take a peek at some genuine reviews from our customers. We’ve gathered these anonymous comments from Feefo so you can see what people are saying about the Ocean Credit Card.

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How it works

  • Complete our simple, straight forward form.
  • Know if you’ll be accepted in 60 seconds, without affecting your credit score.
  • Apply with confidence
  • Once accepted, your card will arrive in 7-10 working days.
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How it works

  • Complete our simple, straight forward form.
  • Know if you’ll be accepted in 60 seconds, without affecting your credit score.
  • Apply with confidence
  • Once accepted, your card will arrive in 7-10 working days.
Check now

Extra Features

  • Log in and manage your account online
  • There's one simple interest rate for all transactions
  • You can add up to three additional cardholders and keep track of their spending. Remember, you're responsible for all transactions on the account.
  • If used responsibly you may become eligible for a credit limit increase. Remember a bigger balance could take longer to pay back and increase the amount of interest you’re paying.

Is the Ocean Credit Card right for you?

If you're after a credit card that's simple, straightforward and manageable, it could be just what you're looking for.

Oh, just one more thing. You're more likely to be accepted for an online credit card in the UK if you're:

  • Over 18
  • On the electoral roll
  • Have some history of managing credit

This is just to give you an idea. Meeting the above criteria doesn't guarantee you'll be accepted.

We encourage all customers to borrow and spend responsibly when using Ocean Credit Cards.

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Common questions

Before you apply

What information do you need from me when I apply for the Ocean Credit Card?

We don’t need your life history, but we will need a few personal details when applying for an online credit card. This includes your addresses for the last two years, your employment status and your income.

What will my credit limit be?

The Ocean Credit Card comes with an easy to manage credit limit between £200 and £1,500. This lets you keep tighter control over your spending compared to other UK credit cards with higher limits.

The amount you’re personally offered with our credit card online will depend on your situation and credit history.

I’ve been declined for credit cards before. Does this mean I’ll be declined again?

Not necessarily, no.

The good news is that every lender has their own criteria, so just because you’ve been declined for an online credit card by one, it doesn’t always mean you’ll be declined another.

This is where QuickCheck comes in – you can use it to see if you’ll be accepted for the Ocean Credit Card before you apply, and you don’t need to worry about it leaving a mark on your credit report, as it won’t impact it whatsoever.

Does QuickCheck do a ‘soft search’ or a ‘hard search’ on my credit report?

QuickCheck does a ‘soft search’ with the credit reference agencies. You’ll be able to see this on your credit report, but no one else will, so it won’t affect your credit rating.

If you go on to apply, we’ll also do a ‘hard search’, which will show up on your credit report.

If I’m accepted, when will I get my card?

It’ll take 7 – 10 days from when you’re accepted.

Your PIN will arrive first. This is sent separately for security reasons. Make sure you change it to one that you’ll remember.

Once you have your card

How do I download the app?

Simply search for ‘Capital One UK’ in the Apple App Store or Google Play.

You can download the app to your smartphone and keep track of your account anytime, anywhere.

What can I do on the app?

Once you’ve downloaded the app and registered, you can:

  • View your current balance
  • Check your credit limit and see how much you’ve got to spend
  • See your latest transactions
  • Check your payment info, such as when your next payment’s due and how much it’ll be
  • Make a payment to your credit card

How do I register for an online account?

You will receive an email from Capital One with your online account information and how to access it once your account has been created.

Once registered, you can:

  • View your statements
  • View any transactions since your last statement
  • View your current balance and how much you have available to spend
  • Contact Capital One through secure message

Where do I log into my online account?

You can log into your account in the top right hand corner of this page, or go here.

How does the contactless feature work?

Using the contactless feature on your card is a quick and simple way to pay when spending up to £30, without entering your PIN.

Here’s how it works:

  1. Look out for the contactless symbol.
  2. Touch your card against the reader.
  3. A beep or green light shows your payment is approved.

How do I make a payment to my credit card?

There are a number of ways you can make a payment to your credit card:

By Direct Debit

To set this up:

  1. Sign into your account online
  2. Go to the ‘Pay Bill’ option
  3. Select ‘Set up/Amend Direct Debit’ and follow the on screen instructions

Pay online or through the app with a debit card

  1. Sign in to your account online
  2. Go to the ‘Pay Bill’ option

You’ll need your debit card number, expiry date, the three digit security code on the reverse of your debit card (CVV) and the amount that you wish to pay.

You can save your details so that you can make regular payments quickly and easily. Please make sure you update your debit card details when your current one expires. This is so that you don't miss any payments, as you could incur a late payment charge.

At a bank

Just take your full statement, including the payment slip and your payment, to any UK bank and pay over the counter. Any bank other than your own may charge you for this service.

Internet banking, telephone banking or standing order

You can make payments to your Ocean Credit Card account using your own bank's telephone or internet service, or by standing order.

You’ll just need to give them Capital One's bank details, which you can find on your monthly statement.

Most banks offer 'Faster Payments' when you pay by internet banking, telephone banking or standing order. Faster Payments received by 5.30pm will reach your credit card account the same day. Payments made after 5.30pm will reach your account the next day.

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