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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
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39.9% APR Representative (variable)

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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 £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? You’re the only one who can see this on your credit report, so it doesn’t affect your credit score one bit.

If the answer is a yes, then you can apply online with confidence.

If the answer isn’t a yes, we could be able to show you other suitable lending options instead.

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How to apply

  • Complete our simple, straight forward form.
  • QuickCheck will tell you if you’ll be accepted
  • Apply online with confidence
  • Once approved, your card will arrive in 7-10 working days.

We can help you improve your credit score

You can use the Ocean card to rebuild your credit score over time, making it more likely to get a better rate next time you want to borrow money.

How to boost your score with the Ocean card?

Make regular repayments on-time + stay under your limit = show that you’re a responsible borrower to improve your credit score over time.

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

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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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Ocean Credit Card: The details

  • If accepted, get your card within 10 days
  • Representative 39.9% APR variable
  • Credit limit of £200 to £1,500
  • Manage your account online - or in the app
  • Add up to 3 other cardholders (remember that you’ll be responsible for all transactions on the account)
  • Become eligible for limit increases if you use your card responsibly (remember, a bigger balance could take longer to pay back and increase the amount of interest you’re paying)

More 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.

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More Information

Quickcheck powered by Capital One

What are the pros and cons of a credit card?

Having a credit card can be beneficial in lots of ways, but, used wrongly, it can come with some drawbacks.

Pros of having a credit card

  • Used responsibly, it can build your credit score
  • Can be a handy safety net for unexpected costs
  • Spread the cost of pricier purchases

Cons of having a credit card

  • Missing payments can damage your credit score
  • Borrowing more than you can repay in full can be costly
  • It could be tempting to spend beyond your means

What is APR?

APR stands for Annual Percentage Rate and, simply speaking, it’s how much it costs you to borrow money over a year. The higher the APR, the more expensive it’ll be to spread the cost of your purchases.

Remember, paying off your credit card balance in full every month will mean you won’t be charged any interest.

What credit card can I get with bad credit?

If your credit score has taken a few knocks, you might find it harder to get accepted for a credit card. Luckily, there are companies (like us!) who are willing to give people a second chance to repair their credit.

The Ocean credit card is available for people looking to start repairing their credit score with a credit limit of up to £1,500

Why might I be rejected for a credit card?

Lenders will take a look at your credit report before deciding if they’ll approve you for finance or not. If they see something they don’t like, your application could be rejected. Some of these factors could include:

  • You’re already borrowing too much
    If you already have a few credit cards or loans to your name, the lender might be concerned you’ll struggle to keep up with all of your debts.
  • You can’t afford to repay the credit
    Lenders will look at how much you earn compared to your existing outgoings. If it looks like taking on debt might stretch your finances too far, you could be rejected.
  • You’ve made mistakes in the past
    If you’ve missed payments or exceeded your credit limit in the past 6 years, some lenders might feel wary of giving you a chance.
  • Something doesn’t add up on your application
    Does the address on your application match up to the one on your credit report? It’s worth making sure all of the details on your credit report is accurate before you apply.

What is the minimum credit score for a credit card?

It may surprise you to know that there is no minimum credit score to apply for a credit card. In fact, there is no universal credit scoring system - all lenders have a different way of working out your eligibility and they all use different credit reference agencies to find your score.

If you haven’t got a credit score - like if you’ve never borrowed before - it could be tricky to get accepted by some lenders. If you have a low credit score, it’s worth researching lenders who are likely to accept people with thin or bad credit before you apply.

What is a soft search?

A soft search allows you to see if you’re going to be accepted for a credit card before you apply. The lender will be able to see an overview of your financial past without leaving a mark on your credit report. If you do a full application for credit, a hard search will appear on your report for all other lenders to see - and too many in a short space of time can be a red flag.

With our QuickCheck tool, you can see if you’ll be accepted for the Ocean credit card before you apply. It takes just minutes to check and we’ll give you an answer in 60 seconds.

How can I check my credit score?

You can check your credit score for free by logging into a number of different credit reporting sites. The main UK credit agencies are:

  • Experian (you can check your score for free but there is a monthly fee to see your total credit report)
  • Equifax (the main site to check your Equifax credit score is ClearScore)
  • TransUnion (the main site to check your TransUnion credit score is Credit Karma)

What if I get rejected for a credit card?

If you’ve been turned down for a credit card, another type of finance might be more appropriate for you. Often, personal loans or homeowner loans are other options for borrowers with a less-than-perfect credit score. When you apply with Ocean Finance, we may be able to show other products you could be approved for instead.

Can I get joint cards?

While we don’t offer joint credit accounts, you can add up to three additional cardholders to your own Ocean Credit Card account. Remember you’re responsible for all transactions on the account.

How do I get more credit?

If you use your card responsibly (pay your balance on time every month and don’t go over your limit), you may become eligible for credit limit increases over time. (Remember though, a bigger balance could take longer to pay back and increase the interest you’re paying).

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