Important Cookie Information
(this message will appear only once)

To give you the best possible experience, this site uses cookies and by continuing to use the site you agree that we can save them on your device. Cookies are small text files which are placed on your computer and which remember your preferences/some details of your visit. Our cookies don’t collect personal information. For more information, please read our updated privacy and cookie policy, which also explains how to disable cookies if you wish to.

To give you the best possible experience, this site uses cookies. Read more...

By continuing to use the site you agree that we can save them on your device. Cookies are small text files which are placed on your computer and which remember your preferences/some details of your visit. Our cookies don’t collect personal information. For more information, please read our updated privacy and cookie policy, which also explains how to disable cookies if you wish to.

Compare our credit cards

Before you choose your credit card, it’s a good idea to have a look at all the options available from The Co-operative Bank. We offer a range of cards to suit different circumstances, and the table below provides details of these popular products; our 3-year fixed rate card, the Balance Transfer credit card and The Co-operative Members’ credit card.

Here, you will be able to consider which card may be best for you, comparing details such as interest rates, eligibility criteria and purchase offers.

Which credit card is right for you?

 3 Year Fixed Rate Credit Card
Balance Transfer Credit Card
The Co-operative Members' Credit Card
 
APR 6.9% APR fixed for 3 years reverts to 15.9% APR representative/variable after 3 years
18.0% APR representative/variable 15.9% APR representative/variable
Representative example 15.9% p.a. variable on card purchases. This is equivalent to 15.9% APR representative variable based on a credit limit of £1,200. 18.0% p.a. variable on card purchases. This is equivalent to 18.0% APR representative variable based on a credit limit of £1,200. 15.9% p.a. variable on card purchases. This is equivalent to 15.9% APR representative variable based on a credit limit of £1,200.
Purchase offer 6.9% APR fixed for 3 years reverts to 15.9% APR representative/variable after 3 years
0% on purchases for 4 months from account opening reverting to 18.0% APR representative/variable after 4 months
Cashback on all your credit card purchases
Balance transfer rate

Balance transfers must be within 95% of the available credit limits

6.9% APR fixed for 3 years reverts to 15.9% APR representative/variable after 3 years.
0% on balance transfers for 24 months from account opening reverting to 18.0% representative/variable. Your balance must be transferred within 60 days of account opening.
15.9% APR representative/variable.  
Up to 56 days interest free credit on purchases if balance is paid in full by the due date Yes 
Balance must be paid in full by the due date.*
Yes 
Balance must be paid in full by the due date.*
Yes
Balance must be paid in full by the due date.*
No balance transfer fee Yes 
Interest is charged from the date the transaction is applied to the account.*
No
1% balance transfer fee, min charge £5.
Yes 
Interest is charged from the date the transaction is applied to the account.*
No annual fee Yes Yes Yes
Cashback on purchases No No Yes
Cash advance fee 3% of value, min £3.
Interest of 25.9% APR applies to cash transactions. Additional charges apply for foreign transactions
3% of value, min £3.
Interest of 25.9% APR applies to cash transactions. Additional charges apply for foreign transactions
3% of value, min £3.
Interest of 25.9% APR applies to cash transactions. Additional charges apply for foreign transactions
Contactless credit card
Yes Yes Yes
Secondary cardholder
Yes Yes Yes
Eligibility criteria Must be a UK resident, aged over 18 and have an annual income of £10,000 or more. Subject to status, credit checks apply
Must be a UK resident, aged over 18 and have an annual income of £10,000 or more. Subject to status, credit checks apply Must be a UK resident, aged over 18, have an annual income of £10,000 or more and be a Co-operative member. Subject to status, credit checks apply
  Terms and Conditions >
Apply Now
Find out more
Terms and Conditions >
Apply Now
Find out more
Terms and Conditions >
Apply Now
Find out more

* Excludes cash withdrawals and balance transfers, interest is charged from the date the transaction is applied to the account.

Balance transfers are not permitted from other Co-operative Bank credit cards

What is your credit card for?

When reaching your decision, in addition to comparing credit cards using the facts above, it is helpful to keep in mind exactly how you plan on using it.

For example, our three-year fixed rate card has a lower APR for the first three years of your account, and this may well be a factor in your final choice. You may be attracted to the benefits offered by our Members' card, such as the cashback you can earn and you may wish to investigate becoming a member if you aren't already.

For some customers, our charity credit cards present a quick, simple and effective way to donate to organisations close to their heart.

If you would like further guidance, you can come and see us in your local branch or consult our credit card FAQs to see if we’ve already answered your question.

Credit facilities provided by The Co-operative Bank are subject to status and our lending policy. The bank reserves the right to decline any application or offer a card product that differs from those advertised.

For an explanation of terms please see our glossary.