Earn as you spend
Get 0.5% cashback on all purchases over £1 worldwide, whether you're buying tacky souvenirs for the family or going on a spree for yourself.
Spend abroad without worry
With no additional fees on transactions abroad and nothing added on top of the MasterCard exchange rate, our card is a great way to spend while away.
Borrowing that suits you
You can manage your spending flexibly with the Tandem credit card. Spread the cost of your spending at an interest rate of 18.9% APR (variable, representative).
18.9% per year (variable, representative) for purchases 18.9% per year (variable, representative) for cash withdrawals Your final interest rate may be higher based on your individual circumstances
Earn 0.5% on every purchase above £1 at home and abroad
|No fees abroad||
There are no fees for making purchases abroad. Interest will still be charged as normal.
You'll be charged interest from the day you withdraw cash in the UK and abroad In the UK we'll also charge a fee of 2.5%, with a minimum charge of £2.50. There are no fees for withdrawing cash abroad.
This card doesn't offer balance transfers
There is a £12 fee if you make a late payment, or your payment fails
For more information read the FAQs
Most people will get:
Annual purchase rate (variable)
Representative APR (variable)
Based on an assumed credit limit of
You may be offered a different credit limit or APR to that shown here as it depends on your individual circumstances. Subject to eligibility and credit assessment.
Ready to apply?
In order to apply for a credit card, you must:
- be at least 18 years old
- currently have an address, and three years address history in England, Scotland or Wales
- have a minimum income before tax of £13,000 per year
When you apply we'll check your eligibility. You're more likely to be accepted if you have a good credit history.