Help build a better credit score with the Journey Credit Card

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.

Build up your credit history
When paid on time, and without going over your credit limit, you can build a healthy credit score. After a few months we'll review your limit and may offer you an increase.
Helping you stay in control
Manage your spending in the app and get a handy notification whenever you use your card, no matter where in the world you are.
Save money when you travel
With no transaction fees and nothing added on top of the standard Mastercard exchange rate, the Journey Credit Card is the perfect travel companion.
Borrowing that suits you
You can manage your spending flexibly with the Journey Credit Card. Spread the cost of your spending at an interest rate of 24.9% APR (variable, representative).

And there's more

  • Free protection on all purchases over £100, so if things go wrong you could get a refund (conditions apply)

  • If a retailer isn't able to fulfil your refund, you can claim your money back from us

  • You can change the date that you pay off your credit card by contacting us

  • You're protected against fraud when spending at home, online or abroad (conditions apply)

The lowdown

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

For more information read the FAQs


You can apply for this credit card if:

  • You're over 18 years old
  • You currently have an address, and three years address history, in the UK
  • You have a minimum income before tax of £15,000 per year
  • You haven't had any County Court Judgments in the past 12 months
  • You haven't declared bankruptcy or had an account closed in the past 12 months due to missed payments

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.