Journey Credit Card
The Perfect Travel Partner

Representative example

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. For more information read the summary box, pre-contract credit information and terms and conditions.

Travel with confidence
No foreign transaction or cash withdrawal fees means no surprise costs when you're off seeing the world
Stay in control
Always know what you've spent and where you’ve spent it with instant notifications whenever you use your card
Save as you spend
Link your card with Autosavings in the Tandem app to save as you spend with our Round Ups feature
Check if it's for you
Find out if you're eligible for the Journey Card in the Tandem app in just a few minutes without affecting your credit score – quick and simple

There's more

  • Lost your card? Freeze it in-app for peace of mind

  • Clear and continuous support from our customer service team 7 days a week

  • You can set the date you pay off your card each month by giving us a call

  • Protection on purchases £100-£30,000 made with your Journey Card, meaning you could get a refund if things go wrong (conditions apply)

The details

No fees abroad
There are no fees for making purchases abroad. Interest will still be charged as normal.
Cash withdrawals
You'll be charged interest from the day you withdraw cash in the UK and abroadIn 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.
Interest rates
24.9% per year (variable, representative) for purchases24.9% per year (variable, representative) for cash withdrawalsYour final interest rate may be higher based on your individual circumstances
Balance transfers
This card doesn't offer balance transfers
There is a £12 fee if you make a late paymentThere is a £12 fee if your Direct Debit failsThere are no overlimit fees
Paperless statements
Credit card statements can be viewed and downloaded in the Tandem app
Minimum requirements
You're over 18 years oldYou currently have an address, and three years address history, in the UKYou have a minimum income before tax of £15,000 per yearYou haven't had any County Court Judgments in the past 24 monthsYou haven't been declared bankrupt in the last 24 months or defaulted on an account in the past 12 months

For more information read the FAQs

Ready To Apply?

When you apply we'll perform a credit assessment. You're more likely to be accepted if you have a good credit history.

For more information read the summary box, pre-contract credit information and terms and conditions.