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Ocean and Ocean Finance are trading names of Intelligent Lending Limited. We are the credit broker for the Ocean Card. Capital One is the lender, and they pay us for our services.

What is QuickCheck?

QuickCheck tells you if you’ll be accepted for the Ocean Credit Card before you apply, so you can apply with confidence.

  • Get a ‘yes’ or ‘no’ in 60 seconds
  • It won’t affect your credit rating
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Watch our TV advert

Find out about the great benefits of the Ocean Credit Card.

  • Contactless payments
  • A credit limit that’s right for you
  • Find out in 60 seconds if you’ll be accepted
As seen on TV

Is it right for you?

If you’re looking for a simple, straightforward credit card, with a manageable credit limit, Ocean could help.

You’re more likely to be accepted for the Ocean Credit card if you are:

  • over 18
  • on the electoral roll
  • able to show some history of managing credit

Please note meeting these criteria does not guarantee acceptance.

For more information about the Ocean Card read the Summary Box.

Top features

  • One interest rate for all transactions
  • Could help rebuild and improve your credit rating – as long as you make your minimum repayments on time and stay within your credit limit. Not doing so could harm your credit rating
  • Manage your account online
  • Add up to 3 additional card holders, to keep track of your family’s spending – remember you’re liable for all transactions on your account
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Independant customer feedback

This is not the first time I have dealt with Ocean; their customer service is excellent; they will keep you updated at all times and will always look for the best deal for you. Read more

All Feefo reviews are gathered anonymously from genuine customers. Take a look at some of the comments from people we've helped. Read more

Common questions

Can I apply for an Ocean Credit Card?

As long as you’re over 18 and a resident in mainland UK (including Northern Ireland), you can apply for the Ocean Credit Card. Whether or not you’re accepted will depend on numerous things – use our QuickCheck to see if you’re eligible before you apply. Using Quick Check won’t affect your credit rating.

I’ve a bad credit rating, can I still apply?

If you have bad credit, you may still be eligible for the Ocean Credit Card. We understand that everyone’s circumstances are different, and that’s why we’ll treat you as an individual. If we can help, we will.

Can it help me rebuild my credit rating?

The Ocean Credit Card can help you rebuild your credit rating as long as you meet your minimum monthly repayments on time and stay within your credit limit (not doing so could harm your credit rating). By doing this, you’ll be showing lenders that you can borrow money responsibly, which will be reflected in your credit history. If you meet your monthly repayments on time each month and stay within your credit limit, it could help you improve your credit rating.

I’ve been declined for credit before, does this mean Ocean will decline me?

Not necessarily. We’ll take all the information you give us and we’ll make a decision based on that, and the information we get from the credit reference agency.

What’s the credit limit?

The Ocean Credit Card comes with an easy to manage credit limit, from £200 to £1,500, so you can keep tighter control of your spending compared to credit cards that have much higher limits.

What information will you need to apply?

We’ll need a few personal details, including your address history for the last 2 years, employment status, and the length of time you’ve been with your bank.

Based on reviews - 99% of customers who left an Ocean Finance review recommend us with an average rating of 4.9 out of 5 from 537 reviews left by Ocean Finance customers (as of July, 2016)