PoundWise Team: There’s no single qualification rule, as each card provider sets its own criteria. Providers may consider your age, UK address, income, credit history, existing debts and affordability. Use an eligibility checker that carries out a soft search where possible; this should not affect your credit score, although it does not guarantee acceptance. A full application normally creates a hard search, so avoid applying for several cards in quick succession and check the provider is FCA-authorised before applying.