Are you looking to get your first credit card for daily expenses and overseas travel? If you’re having a hard time becoming a cardholder because you still haven’t built up a good credit score, a Tandem Credit Card is perfect for you. Read on to find out more…
Tandem Bank offers two types of cards. Both are powered by Mastercard. The Journey is the basic type aimed towards people who are just starting to build their credit history. On the other hand, the Cashback is for people who have already built a good credit score.
You can use both cards for making purchases in-store and online, traveling and making cash withdrawals. Tandem can also reward you with cash back features if you’re a frequent spender. Read on to find out how you can request a Tandem Credit Card…
Tandem Credit Card Features & Benefits
To get a better understanding of how a Tandem credit card can work for you, let’s take a look at the Tandem Journey, one of the most affordable credit cards in the market.
Tandem Journey is perfect for daily purchases. It has NO monthly fee. You may also want to look at its exclusive advantages that you can enjoy as a cardholder…
Tandem Journey Card Benefits
As a cardholder, you can enjoy free protection on your purchases. If you buy something over £100, you can get a refund, even if the retailer refuses to. But, of course, that’s based on the conditions set by the bank.
You can also get advanced protection against scammers if you use your Tandem Journey Card online or abroad.
By downloading the mobile app, you can easily manage your expenses. With the app’s advanced features like transaction notifications, you can enjoy being in control of your spending.
Lastly, you can easily change the date of your repayments. You just need to contact the bank by phone or through the app for the adjustment.
How to Apply for Tandem Journey Card
You can only order a Tandem Journey Card via the online credit card application form on the Tandem website. Just make sure you’re eligible first…
To qualify, you should be aged 18 and above. You should also have a current UK home address and a UK address history of at least three years. The bank will also ask you to give them some documents showing your monthly income (at least GBP 6,000 per year before tax).
The bank will look over your online credit card application, financial condition, and other requirements. If approved, the bank will give you a credit limit of a minimum of GBP 150 or more, depending on your financial capacity.
Fees and Interest Rates
The following fees are in relation to the Tandem Journey card. Note that these may differ for the Cashback card…
- Annual Fee: £0
- Annual Interest Rate: 24.9% to 39.9%, depending on your financial capacity
- Cash Advance Fee: 2.5% of the total amount or a minimum of £2.50, whichever is greater
- Late Payment Fee: £12
- 24.9% APR (variable, representative)
Tandem Bank’s Address & Contact
40 Bernard Street, London, WC1N 1LE
Contact: 020 3370 0970
In summary, Tandem Credit Cards are ideal for frequent travelers and active spenders who want to build their credit history and keep their expenses in order. If you’re planning to apply for your first credit card, the Tandem Journey card is a great option for you. Apply now!
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.