Free
credit card
Earn epic rewards on your everyday spend
Earn points on your everyday spend to use towards world-class experiences.
Purchase rate
32.26% (var)
Rep. APR
32.3% (var)
Based on a
£1,200 limit
Our Free Credit Card, at a glance
1x
points
1 point for every £1 spent
No fees on spend abroad
Award-winning app features
Up to £10,000 in credit
Turn points into dining, shopping, and travel you’ll actually love.
Plus loads more that change every month
Plus loads more that change every month
Plus loads more that change every month
Plus loads more that change every month
(Just some member favourites, past and present)
Purchase protection on your big buys
You get Section 75 Purchase Protection on purchases over £100. Terms apply.
£1,200 at Airbnb
Get your credit score moving
If you pay off your card regularly and on time, you can improve your credit score.
Apply for a credit line up to £10,000
Spend on your card each month, then get 15-days interest free to pay us back.
Purchase rate
32.27% (var)
Rep. APR
32.3% (var)
Based on a
£1,200 limit
Compare our credit cards
Features
Free
full
Per £1 spent
1x
5×
No fees abroad
Use points on flights
Travel insurance
Sign up bonus
10,000pts
Monthly fee
£15
Rep. APR
32.3%
66.0%
All the fancy features you’re used to…
Top-notch in-app customer support
Spend breakdowns
Flexible recurring payments
Split the bill with friends
Easily freeze and replace your card
Real-time notifications
And some you’ve
never seen before…
Swipe to use your points
Send points to friends on Ï㽶´«Ã½
Still unsure?
There are no stupid questions
Is this an actual credit card?
Yep. The Ï㽶´«Ã½ credit card works just like other credit cards you might have used. You spend with your credit line, then pay us back each month
Does applying impact my credit score?
You can check if you’re eligible without impacting your score. Once you choose to apply, we’ll perform a hard check on your credit profile.
Is it a Mastercard?
Yep. We run on Mastercard, so we’re accepted at over 44 million locations around the world. Unlike some cards...
Is Ï㽶´«Ã½ a bank?
No. But we’re a regulated financial institution. And we partner with a bank so any money you hold with us is FSCS Protected.
Check if you’re eligible, no impact on your score
See if you’re eligible before applying in just a few minutes, and it won’t hurt your credit score
Purchase rate
32.26%
Ìý(±¹²¹°ù)
Rep. APR
32.3%
Ìý(±¹²¹°ù)
Based on a
£1,200 limit
Compare our credit cards
Free
full
Important information
Monthly fee
£15
Cancel anytime
Up to £10,000 credit limit
Representative APR
32.3%
66.0%
Interest rate
32.26%
29.32%
No late payment fees
Sign up bonus
10,000pts
rewards
Per £1 spent
1pt
5pts
Per £1 spent at Experiences  (Up to)
5pts
25pts
% Back at Experiences  (Up to)
0.5%
2.5%
% Cashback
0.5%
Access to Experiences
Some
All
Use points on flights
Travel
Worldwide travel insurance
No fees abroad
Free withdrawals abroad
£150/day
In-app trip summaries
Mastercard widely accepted
Everyday Essentials
Digital card
Free physical card
Apple & Google Pay
Debit account to top-up with your money
Purchase protection
Send points to friends
In-app customer support
Award-winning app