Credit Cards

See if it’s a yes in 60 seconds

  • Up to £8,000 credit limit
  • Use your card before it arrives
  • Checking won’t affect your credit score
Check now
Intelligent Lending Ltd (credit broker). Capital One is the exclusive lender.

Flexible credit limits 

We’ll never raise your limit without asking.

Mobile app

Make payments and check your balance anytime, anywhere.

Free email & text alerts

We’ll help you keep track of your spending so there’s no surprises.

Your credit.
Made simple.

  • Credit limit of £200 to £8,000
  • No hidden fees, ever
  • All credit histories considered 

39.9% APR Representative (variable)

Check now

How to apply

1

Check your eligibility

Get a yes or no in 60 seconds.

2

Apply online


Complete our simple form.

3

If accepted

You'll receive your card within 10 days.

Will I be accepted?

You’re more likely to be accepted if you are:
  • over 18
  • on the electoral roll
  • able to show some history of managing credit
This isn’t a guarantee, but it’s a good guide.

How can a credit card help?

Build your score

Stay within your limit, make regular payments, and you'll be well on your way to better credit deals. Remember, not doing so could harm your score.

Protect your spending

Section 75 covers most purchases between £100-£30,000, so you may be able to get a refund on your credit card if something goes wrong.

Cover costs flexibly

Pay the minimum to keep things manageable, or clear your balance in full to avoid interest charges.

GOOD TO KNOW

You could get 0% for 6 months

on balance transfers (2.9% fee)
and purchases

Representative example

39.9%
Representative 39.9%APR (variable)Representative
APR (variable)
Purchase rate
39.94% APR (variable)
Assumed Credit
Limit £1,200
It’s all about you.

We understand there’s more to you than your credit score. That’s why we look at all credit scores and situations – so you could get a ‘yes’ even if you’ve been rejected elsewhere.

Fiona Peake,Content Specialist

Let's make
it a yes

Join over 1.5 million people accepted for credit

Regulated by the FCA - you're in safe hands

35 years experience of helping with credit

Got questions?

The Ocean Credit Card is issued by our partners at Capital One (Europe) plc. Ocean Finance is a credit broker, not a lender.

Once approved, you can expect your Ocean Credit Card to arrive within 7-10 business days.

Currently, the Ocean Credit Card cannot be added to Apple Pay. However, you can still enjoy the convenience of contactless payments with your card.

Activating your Ocean Credit Card is simple. Just call the activation number provided with your card or activate it through the app.

Yes, you can request a credit limit increase after demonstrating responsible use of your card. This includes making payments on time and staying within your credit limit.

Last updated

Reviewed by: Matt Waller

Fact-checked

This page has been reviewed to ensure it is accurate and compliant with FCA guidelines.

For more information on our fact-checking process, read our editorial policy.