Ocean Credit Card

See if it's a YES before you apply

  • Checking won’t affect your credit score
  • Get a response in 60 seconds

Intelligent Lending Ltd (credit broker). Capital One is the exclusive lender.

Mobile App

Make payments and check your balance on the go


The easy way to pay for things up to £100

Free Alerts

Keep track of your spending with email and text alerts

We can confirm if you’ll be accepted before you apply.

We use QuickCheck to determine your eligibility.

The best part? It doesn't affect your credit score at all - you're the only one who can see this on your credit report.

39.9% APR Representative (variable)

Check now

Ocean customers say Excellent 4.8 out of 5 based on 2,920 reviews

'My Ocean Credit card'
The application process was very easy and professionally administrated. I received excellent communication all through the process. Mr Roberts

'It's been a very smooth experience.'
It's been a very great experience and amazing service. Trusted customer

'Quickly sent card. No problems at all. I recommend it.'
I highly recommend. Mr. Wojcik

How to apply for the Ocean Credit Card

  1. Check your eligibility - Complete our simple form.
  2. Apply online - Get a yes or no in 60 seconds.
  3. If accepted - You'll receive your card within 10 days.

What do you need to apply?

To apply for the Ocean Credit Card, you’ll need to provide your:

  • Name and date of birth
  • Current address (and any previous addresses from the last 3 years)
  • Employment status and gross income
  • Any dependants and additional household income

After filling in our form, QuickCheck will give you a yes or a no within 60 seconds, so you can be confident you'll be accepted when you apply.

Will I be accepted?

You’re more likely to be accepted if you:

  • Are over 18
  • Are 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.

Why the Ocean Credit Card?

  • Get your card within 10 days
  • Credit limit of £200 to £8,000
  • No annual fee
  • From 28.9% APR (variable)
  • You may be eligible for 0% on balance transfers and purchases for 6 months Balance transfers will be subject to a 2.9% fee
Ocean credit card

We could help you improve your credit score

You can use the Ocean Credit Card to rebuild your credit score over time. This can be done by:

  • Making regular payments on time
  • Staying under your limit

Doing these two things can help you potentially get a better rate next time you want to borrow money, like for a mortgage or car.

But remember, not using your card responsibly could do the opposite and harm your credit score.

Check now

QuickCheck powered by Capital One

author profile image

A credit card can be a great tool for building your credit score. Stay within your agreed limit and pay off your balance each month, and you'll be on your way to a better credit history. Remember, any remaining balance at the end of the month will accrue interest and may negatively affect your score.

Zubin Kavarana, Personal Finance Writer

How could we help you?

Ocean has provided access to loans, credit cards and mortgages to people across the UK since 1991. In this time, we’ve pre-approved more than a million people, offering products and advice to suit their circumstances.

  • All credit histories considered 
  • Check your eligibility without affecting your credit score
  • Save time finding the right loan deal

You can learn more about Ocean on our about us page.

Written by: Josephine Haagen

Edited by: Helen Fox

Reviewed by: Matt Waller

Last updated

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