Access One

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CREDIT CARDS

Choice is the key to finding the right credit card

Follow the steps below to apply online, or visit the home of Access One card to see what we offer.

Step-by-step guide

Check to see if you're eligible

Before you apply, find out how likely you are to be accepted for a Access One card with our free, easy-to-use tool. Just so you know – your credit rating won’t be affected, and you’re not obliged to apply for a card afterwards.

Eligibility checker

Rewards credit cards

Get rewarded for your everyday spending. Collect rewards to use on Amazon, travel rewards with Avios, or cashback.

80.1% APR Representative (variable)

Subject to application, financial circumstances and borrowing history. T&Cs apply.

Rewards credit cards

Purchase offer credit cards

Make purchases without paying interest for a certain period. Spread the cost over time.

28.9% APR Representative (variable)

Subject to application, financial circumstances and borrowing history. T&Cs apply.

Purchase offer cards

Credit building credit cards

If you're looking to improve your credit score or start building one from scratch, our cards could help.

33.9% APR Representative (variable)

Subject to application, financial circumstances and borrowing history. T&Cs apply.

Credit building cards

Balance transfer credit cards

Consolidate what you owe and potentially reduce interest by transferring balances.

Balance transfer cards

Compare our credit cards

Whether you're new to credit, want to manage your money better or you're looking for rewards, we've got a range of cards that could help.

Card

Representative example

Representative 24.9% APR (variable)
Purchase rate p.a. 24.9% (variable)
Based on credit limit of £1,200

Access One card up to 24 month balance transfer and up to 21 month purchase Platinum card

  • Apply in the Access One app before 30 March 2026. Spend £1,000 within 90 days to get cashback. T&Cs apply
  • 0% interest on balance transfers for up to 24 months (3.45% fee applies).
  • 0% interest on purchases for up to 21 months after opening your account.

The approval of your application depends on financial circumstances and borrowing history. Terms may vary.

See card details

Representative example

Representative 28.9% APR
Purchase rate p.a. 28.9%
Credit limit £1,200
Monthly fee £0

The Amazon Access One card

  • Get Amazon gift rewards when approved and activated.
  • Earn rewards on Amazon purchases and everyday spending.
  • 0% interest on purchases for first 6 months.
  • Managed via Access One mobile app.

Approval depends on financial circumstances and borrowing history.

See card details

Representative example

Representative 80.1% APR
Purchase rate 29.9%
Limit £1,200
Monthly fee £20

Access One card Avios Plus

  • Earn Avios on every purchase.
  • Bonus Avios when you hit spending targets.
  • Airport lounge access benefits.
See card details

Representative example

Representative 29.9% APR
Purchase rate 29.9%
Limit £1,200
Monthly fee £0

Access One card Avios

  • Earn Avios on everyday spending.
  • No monthly fee.
  • Upgrade rewards available.
See card details

More value with the Access One app

If you already have the Access One app, you can also use it to manage your Access One card account. Or download it free from your usual app store to enjoy these benefits.

A safe and easy way to log in

Use facial recognition, your fingerprint or a passcode.

Manage all your accounts

Manage your current and Access One card accounts in one place.

Shop online safely

Authorise payments for online purchases in just a few steps.

Apple Pay may not be available for some cards. Google Pay and contactless payments are supported on compatible devices.

Get the app

You must have a Access One or Access One card account, have a mobile number and be aged 16 or over to use the Access One app. Terms and conditions apply.

Open a Access One Bank Account

Scan the QR code using your phone camera to get started

Scan the QR code with your phone or tablet, or tap the App Store or Google Play buttons below to download the app and begin your application. T&Cs and eligibility apply. 18+ and UK only.

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