Know if you'll be accepted before you apply
- Checking won't hurt your credit score
- One interest rate and no annual fee
- Free text message payment reminders
39.9% APR Representative (variable)
Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender.
Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender.
Making repayments on time and staying within your credit limit can help improve your score. Not doing so could harm it.
- Checking won't hurt your credit score
- One interest rate and no annual fee
- Free text message payment reminders
Making repayments on time and staying within your credit limit can help improve your score. Not doing so could harm it.
Mobile App
Make payments and check your balance on the go
Contactless
The easy way to pay for things up to £100
Free Alerts
Keep track of your spending with email and text alerts
Why choose the Ocean
Credit Card?
We don't believe your financial history should hold you back. You can apply for the Ocean Credit Card if you have a limited or poor credit background - and using it responsibly could even boost your credit score!
Check nowYour credit score could improve if you pay on time and stay within the limit. Not doing so could harm it. Please remember to borrow and spend responsibly.
Looking for more information?
What's QuickCheck?
QuickCheck is our soft-search tool which checks your eligibility with the credit reference agencies before you apply. You’ll be able to see this on your credit report, but no one else will.
Can I add other cardholders onto the card?
You can add up to 3 additional cardholders to the Ocean Credit Card. Remember though, you’re responsible for all transactions on the account.
What information do I need to apply?
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. We’ll decide on your credit limit after looking at things like your credit history and application.
I’ve been declined for credit cards before. Does this mean I’ll be declined again?
Every lender has their own criteria – so even if you’ve been declined for other cards, it doesn’t necessarily mean we’ll say no.
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.
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.