A cashback credit card for home and abroad

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).

The lowdown

Interest rates
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.
Cash withdrawals
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.
Balance transfers
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

Representative example

Most people will get:

Annual purchase rate (variable)


Representative APR (variable)

18.9% APR

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.

Example credit cards

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.

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