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APR Interest free credit1 Benefits Balance transfer rate Balance transfer fee Cashback on transactions Rate on transactions Representative example

Platinum Fixed Rate
credit card


Fixed rate for 5 years plus loads of benefits

 9.9% APR
fixed for five years, reverts to 12.9% APR representative/ variable		 Up to 56 days Up to £100,000 free Travel Accident Insurance 9.9% APR
fixed for five years, reverts to 12.9% APR representative/ variable3 		None   Fixed for 5 years The advance of credit of £1,200 at an interest rate of 12.9% variable per annum will result in a rate of 12.9% APR representative/ variable.

Clear credit card


One clear rate for all your transactions

 12.9% APR representative/ variable Up to 56 days Choice of
black or white
credit card
design		 12.9% APR
representative/ variable3		 None   One rate for all The advance of credit of £1,200 at an interest rate of 12.9% variable per annum will result in a rate of 12.9% APR representative/ variable.

Clear credit card


A great rate for existing current account customers

 11.9% APR representative/ variable Up to 56 days Reduced rate for Current Account Plus, Privilege and Privilege Premier current account customers3 11.9% APR
representative/ variable4		 None   One rate for all The advance of credit of £1,200 at an interest rate of 11.9% variable per annum will result in a rate of 11.9% APR representative/ variable.

think credit card


Save money and help save the rainforest

 12.9% APR representative/ variable Up to 56 days Help protect a 1/3 of an acre of Indonesian rainforest when you first use the card 3.9% per annum for 6 months from the date of each balance transfer 3 None   0% per annum for purchases with our ethical partners for 3 months2 The advance of credit of £1,200 at an interest rate of 12.9% variable per annum will result in a rate of 12.9% APR representative/ variable.

The
Co-operative
members’ credit card


Earn cashback every time you spend

 15.9% APR representative/ variable Up to 56 days Receive a share of The Co‑operative Group’s profit payments 0% per annum for 6 months from the date of account opening 3% or £5 during the promotional period tick 0% per annum for 6 months from account opening The advance of credit of £1,200 at an interest rate of 15.9% variable per annum will result in a rate of 15.9% APR representative/ variable.

1If balance paid in full by due date.
2There is a limit of 50 transactions at 0% p.a (3.9% p.a. for balance transfers) on your account at any one time. If that limit is exceeded, subsequent transactions will attract the standard rate of 12.9% APR representative/variable. As items are paid off or revert to the standard rate, new transactions with our think partners or balance transfers will attract the 0% p.a. or 3.9% p.a. rate respectively.
3If you already have a Privilege current account, Privilege Premier current account or Current Account Plus you will be eligible for a preferential clear card rate of 11.9% APR representative/variable. If you downgrade to our Current Account or close any of these accounts, your interest rate will revert to our standard rate of 12.9% APR for any transactions. Your interest rate will be applied on your statement date and this increased rate of interest will apply to any transactions made in that month.
4Excludes balance transfers from other credit cards issued by The Co-operative Bank plc.