Free
credit card
Earn epic rewards with our free credit card
Get £10 back on your first spend, then turn your everyday purchases into world-class experiences.
Purchase rate
31.93% (var)
Rep. APR
32.0%
Ìý(±¹²¹°ù)
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
Plus your
welcome offer
£10
Get £10 off your first buy
+1,000
points
When you spend £1,000 in 30 days
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)
Points that don’t collect dust. Just good times.
Free Debit Card
monthly spend
£1,500
each year get either
Dining
+£342
Shopping
+£414
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Airport Lounges
+£270
Entertainment
+£360
Flights
+£144
Cashback
+£90
Based on maximum redemption rates on our Free Debit Card.
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Debit Card.
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Free Credit Card (
32.0%
 APR var.).
Actual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Credit Card (
65.4%
 APR var.).
Actual value varies by reward and how you redeem.
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
31.93% (var)
Rep. APR
32.0%
Ìý(±¹²¹°ù)
Based on a
£1,200 limit
Lounge access, unlocked
Because delays are painful enough without sitting on a plastic chair next to a crying baby. Book airport lounges in the UK and around the world with your Ï㽶´«Ã½ card.
Compare our credit cards
Features
Free
full
Per £1 spent
1x
5×
No fees abroad
Use points on flights
Travel insurance
Welcome points*
1,000pts
10,000pts
Monthly fee
£15
Rep. APR
32.0%
65.4%
*When you spend £1,000 in your first 30 days
All the fancy features you’re used to…
Top-notch in-app customer support
Spend breakdowns
Seamless withdrawals
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.
What is the new member welcome offer?
Joining Ï㽶´«Ã½ comes with a few perks. Namely, a faster way to earn rewards (and a little something to make your first spend feel extra good). Get £10 off your first eligible Ï㽶´«Ã½ purchase, whether you’re on debit or credit. Terms apply, read the .
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
Welcome points*
1,000pts
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
*Welcome points are earned when you spend £1,000 in your first 30 days
Earn up to 1,000 welcome points!
Welcome points are earned based on the membership you choose, and your spend in the first 30 days:
Spend £200
+200pts
Spend £500
+300pts
Spend £1,000
+500pts
For new members only.
Get £10 to spend on almost anything
Joining Ï㽶´«Ã½ means unlocking the good stuff from day one. As a welcome, we’ll cover your first eligible £10 spent on your Ï㽶´«Ã½ card on groceries, restaurants, coffee shops, pubs, entertainment, flights or hotels in your first 30 days.
For new members only. .