Free
credit card
Earn epic rewards with our free credit card
Get 拢10 back on your first spend, then turn your everyday purchases into world-class experiences.
Purchase rate
32.26% (var)
Rep. APR
32.3%
听(惫补谤)
Based on a
拢1,200 limit
Our Free Credit Card, at a glance
1x
points
1 point for every 拢1 spent
No fees on spend abroad
Award-winning app features
Up to 拢10,000 in credit
Plus your鈥welcome offer
拢10
Get 拢10 off your first buy
+1,000
points
When you spend 拢1,000 in 30 days
Turn points into dining, shopping, and travel you鈥檒l actually love.
Plus loads more that change every month
Plus loads more that change every month
Plus loads more that change every month
Plus loads more that change every month
(Just some member favourites, past and present)
Points that don鈥檛 collect dust. Just good times.
Free Debit Card
monthly spend
拢1,500
each year get either
Dining
+拢342
Shopping
+拢414
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Airport Lounges
+拢270
Entertainment
+拢360
Flights
+拢144
Cashback
+拢90
Based on maximum redemption rates on our Free Debit Card.鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Debit Card.鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Free Credit Card (
32.3%
聽APR var.).鈥ˋctual value varies by reward and how you redeem.
Based on maximum redemption rates on our Full Credit Card (
66.0%
聽APR var.).鈥ˋctual value varies by reward and how you redeem.
Purchase protection on your big buys
You get Section 75 Purchase Protection on purchases over 拢100. Terms apply.
拢1,200 at Airbnb
Get your credit score moving
If you pay off your card regularly and on time, you can improve your credit score.
Apply for a credit line up to 拢10,000
Spend on your card each month, then get 15-days interest free to pay us back.
Purchase rate
32.27% (var)
Rep. APR
32.3%
听(惫补谤)
Based on a
拢1,200 limit
Lounge access, unlocked
Because delays are painful enough without sitting on a plastic chair next to a crying baby. Book airport lounges in the UK and around the world with your 海角社区 card.
Compare our credit cards
Features
Free
full
Per 拢1 spent
1x
5脳
No fees abroad
Use points on flights
Travel insurance
Welcome points*
1,000pts
10,000pts
Monthly fee
拢15
Rep. APR
32.3%
66.0%
*When you spend 拢1,000 in your first 30 days
All the fancy features you鈥檙e used to鈥
Top-notch in-app customer support
Spend breakdowns
Seamless withdrawals
Split the bill with friends
Easily freeze and replace your card
Real-time notifications
And some you鈥檝e鈥never seen before鈥
Swipe to use your points
Send points to friends on 海角社区
Still unsure?
There are no stupid questions
Is this an actual credit card?
Yep. The 海角社区 credit card works just like other credit cards you might have used. You spend with your credit line, then pay us back each month
Does applying impact my credit score?
You can check if you鈥檙e eligible without impacting your score. Once you choose to apply, we鈥檒l perform a hard check on your credit profile.
Is it a Mastercard?
Yep. We run on Mastercard, so we鈥檙e accepted at over 44 million locations around the world. Unlike some cards...
Is 海角社区 a bank?
No. But we鈥檙e a regulated financial institution. And we partner with a bank so any money you hold with us is FSCS Protected.
What is the new member welcome offer?
Joining 海角社区 comes with a few perks. Namely, a faster way to earn rewards (and a little something to make your first spend feel extra good). Get 拢10 off your first eligible 海角社区 purchase, whether you鈥檙e on debit or credit. Terms apply, read the .
Check if you鈥檙e eligible, no impact on your score
See if you鈥檙e eligible before applying in just a few minutes, and it won鈥檛 hurt your credit score
Purchase rate
32.26%
听(惫补谤)
Rep. APR
32.3%
听(惫补谤)
Based on a
拢1,200 limit
Compare our credit cards
Free
full
Important information
Monthly fee
拢15
Cancel anytime
Up to 拢10,000 credit limit
Representative APR
32.3%
66.0%
Interest rate
32.26%
29.32%
No late payment fees
Welcome points*
1,000pts
10,000pts
rewards
Per 拢1 spent
1pt
5pts
Per 拢1 spent at Experiences 聽(Up to)
5pts
25pts
% Back at Experiences 聽(Up to)
0.5%
2.5%
% Cashback
0.5%
Access to Experiences
Some
All
Use points on flights
Travel
Worldwide travel insurance
No fees abroad
Free withdrawals abroad
拢150/day
In-app trip summaries
Mastercard widely accepted
Everyday Essentials
Digital card
Free physical card
Apple & Google Pay
Debit account to top-up with your money
Purchase protection
Send points to friends
In-app customer support
Award-winning app
*Welcome points are earned when you spend 拢1,000 in your first 30 days
Earn up to 1,000 welcome points!
Welcome points are earned based on the membership you choose, and your spend in the first 30 days:
Spend 拢200
+200pts
Spend 拢500
+300pts
Spend 拢1,000
+500pts
For new members only.
Get 拢10 to spend on almost聽anything
Joining 海角社区 means unlocking the good stuff from day one. As a welcome, we鈥檒l cover your first eligible 拢10 spent on your 海角社区 card on groceries, restaurants, coffee shops, pubs, entertainment, flights or hotels in your first 30 days.
For new members only. .