Want your music on a credit card ad? Better learn Ukulele.

In February 2016 there were eleven adverts on UK TV for credit cards and/or credit rating agencies. The thing they have in common? Well, apart from all claiming to be the most flexible/lowest fees/most likely to say ‘Yes’, the common theme was their music. Check these adverts out and hear for yourself.

Credit Card Music Advert Check List

  • Ensure your song can be categorised as “Feelgood acoustic pop” by music production libraries.
  • Can you play Ukulele? Failing that, a strummed acoustic guitar?
  • It will help greatly if you can whistle like the postman.
  • Select ‘Glockenspiel’ or ‘Bell Chime’ on your copy of Logic Pro.
  • And to top it all off, record some happy hand clapping.

You may ask, why conform?

Quite simply, because of the sheer volume of times these types of advert are played. Commerials by Luma and Experian were amongst the most played adverts during February 2016. The performance royalties on these tracks rapidly add up, making it more than worth your while learning the ukulele!


This track, ‘Discover You‘, was supplied by the grand masters of “Feel good pop”, Audio Network. One of the most played adverts in Spring ’16.


A showcase for credit card music, featuring all the pre-requisite instruments, whisltes and happy-feely sound.


Incredibly, this isn’t the same track as the one used for Marbles. Listen closely and you can hear the slight differences in instrumentation and whistled melody.

Sainsbury’s Credit Card

Not to be out-done, Sainsbury’s follow the recipe to create their own feel-good credit card music with strummy guitar and fairy bells.


Or, perhaps you can adopt the approach taken by Nick Mulvey? He cleverly wrote a song that sounds like a credit card advert, added lyrics and released it as a single, “Cucurucu”, which was then placed on an Experian Credit Expert advert by his publisher, Imagem.


Finally, proving the credit card DNA is truly international, here is the current advert for US credit union firm, Advantis, showing the happyfeely-whistley-smiley music style can work anywhere.