Coming October

A credit card, but different.

Spend with ease. Repay in full or spread the cost. Works with Apple Pay and Google Pay.

Checking your eligibility won't affect your credit score

There's no interest-free period. Interest is charged from the day after you spend. Representative APR 24.9% variable. Subject to status. UK residents 21+. T&Cs apply.

A digital card with a loan inside it.

Use it for everyday spending wherever Apple Pay and Google Pay are accepted. Draw from your available credit limit. Repay in full or set up an instalment plan for larger purchases.

Apple Pay & Google Pay

Spend in-store and online via your phone. Wherever digital wallets are accepted.

One credit limit

Draws from your existing Cred credit limit. No separate application needed.

Repay or spread

Pay off in full or spread larger purchases over 3 to 48 months.

Refreshes as you repay

Available credit replenishes the moment your payment lands.

Works with

More than a card.

Like a loan

A fixed amount. A flexible term.

Made a big purchase on the card? Convert it to an instalment plan with structured monthly payments.

Convert any large purchase to a plan
Up to 48 months
Shorten or stretch any time
No early repayment charge

Representative example: if you borrow £1,000 over 12 months at a (variable) rate of 24.9% per annum, your representative APR will be 24.9% APR. Monthly repayments £93.81. Total amount repayable £1,125.68. Total cost of credit £125.68. Extending your term will result in an increase in total cost of credit.

Learn about Flexible Loans

Like a credit card

Spend with ease. Repay your way.

Use the card via Apple Pay and Google Pay wherever you shop. Pay in full each month, or spread larger purchases.

Apple Pay and Google Pay compatible
Draws from your existing credit limit
Repay in full or setup an instalment plan
One rate. No hidden fees.

Like a line of credit

A line of credit. Always there.

The card sits on top of your Cred credit line. Keep it available for whenever you need it.

Apply once, use again and again
Only pay interest on what you draw
Credit refreshes as you repay
Account stays open if you repay in full

Learn about the Credit Line

The rate you'll pay. Shown upfront.

One rate for card spending and transfers. No hidden fees or surprises.

Representative APR: 24.9%; variable
Credit limit: £1,000 – £10,000; subject to status

Before you start spending.

A few things worth understanding about where your card works and how interest is charged.

Where you can use it

Your card works in most places, with a few limits to be aware of.

Online and in-storeSpend with ease in the UK using Apple Pay or Google Pay.
No cash withdrawalsCash and ATM withdrawals will be declined.
UK onlyPayments made abroad will be declined.
Some restrictionsYour card can't be used for gambling, sending money, investments or crypto.

Need cash or to spend abroad?A bank transfer from your Cred credit line still works for that, at the same credit limit and APR.

How interest works

A few things worth knowing before you start spending on your card.

The same rate as a transferCard spending is charged at the same APR as a bank transfer (24.9%).
Daily interestInterest is charged daily on everything you borrow.
No interest-free periodUnlike many credit cards, there's no interest-free period. Interest starts the day after you spend, just like a bank transfer.

Built around you.

Four things every Cred customer gets, whichever way you choose to use your credit.

Transparent.
One interest rate. No hidden fees, no late payment charges, no surprises.
Flexible.
Repay in a way that suits you. Set your term, change it if you need to, and repay early at no additional cost.
Same day funding.
Get approved and access your credit line in under 24 hours. Subject to status and individual circumstances.
Free credit score.
Monitor your credit score and the factors affecting it, for free, directly in the Cred app.

Missing payments to Cred can harm your credit score.

Credit Card FAQs.

No. If you already have a Cred credit line, existing customers will be able to request the card in the app.
In the Cred app, on your card screen. Add it to Apple Wallet or Google Wallet from there and you can start spending with it.
Not quite. Virtual cards are typically one-time card numbers used for online security. Cred's digital credit card is a full credit account you can use for everyday spending via Apple Pay and Google Pay.
Apply for a Cred credit line. The digital card comes with it, so there is nothing else to apply for.
Cred is available to UK residents aged 21 to 75 in full-time employment. Free from bankruptcy or insolvency in the last 36 months and no CCJs in the last 12 months. Subject to status and affordability checks.