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Interest rates

Find out the interest rate of your current Co-operative Bank credit card and what all the different rates mean.

3 Year Fixed Rate Credit Card

Your credit card at a glance

Type of interest

Rate

6.9% interest per annum

On purchases and balance transfers, fixed for the first 3 years.

15.9% interest per annum

You start paying the variable rate once your initial 3 year fixed period ends.

25.9% interest per annum

On cash withdrawals.

You’re charged a higher rate for cash withdrawals, and you start paying interest immediately.

Representative example

You can get an interest rate on card purchases of

15.9% per annum variable after 3 years

with a rate of

providing you have a credit limit of

£1200

Balance Transfer Credit Card

Your credit card at a glance

Type of interest

Rate

0% interest per annum

On purchases for 4 months and balance transfers for 24 months.

18.0% interest per annum

You start paying the variable rate once your initial introductory offer ends.

25.9% interest per annum

On cash withdrawals.

You’re charged a higher rate for cash withdrawals, and you start paying interest immediately.

Representative example

You can get an interest rate on card purchases of

18.0% per annum variable after 4 months

with a rate of

providing you have a credit limit of

£1200

The Co-operative Members' Credit Card

Your credit card at a glance

Type of interest

Rate

N/A

15.9% interest per annum

On purchases and balance transfers.

25.9% interest per annum

On cash withdrawals.

You’re charged a higher rate for cash withdrawals, and you start paying interest immediately.

Representative example

You can get an interest rate on card purchases of

with a rate of

providing you have a credit limit of

£1200

Oxfam Credit Card

Your credit card at a glance

Type of interest

Rate

N/A

12.9% interest per annum

On purchases, balance transfers and cash withdrawals.

Representative example

You can get an interest rate on card purchases of

with a rate of

providing you have a credit limit of

£1200

Woodland Trust Credit Card

Your credit card at a glance

Type of interest

Rate

N/A

12.9% interest per annum

On purchases, balance transfers and cash withdrawals.

Representative example

You can get an interest rate on card purchases of

with a rate of

providing you have a credit limit of

£1200

Tearfund Credit Card

Your credit card at a glance

Type of interest

Rate

18.9% interest per annum

You start paying the variable rate once your initial introductory offer ends.

25.9% interest per annum

On cash withdrawals.

You’re charged a higher rate for cash withdrawals, and you start paying interest immediately.

Representative example

You can get an interest rate on card purchases of

18.9% per annum variable after 6 months

with a rate of

providing you have a credit limit of

£1200

Save the Children Standard Rate Credit Card

Your credit card at a glance

Type of interest

Rate

18.9% interest per annum

You start paying the variable rate once your initial introductory offer ends.

25.9% interest per annum

On cash withdrawals.

You’re charged a higher rate for cash withdrawals, and you start paying interest immediately.

Representative example

You can get an interest rate on card purchases of

18.9% per annum variable after 6 months

with a rate of

providing you have a credit limit of

£1200

Save the Children Fixed Rate Platinum Credit Card

Your credit card at a glance

Type of interest

Rate

12.9% interest per annum

You start paying the variable rate once your initial introductory offer ends.

25.9% interest per annum

On cash withdrawals.

You’re charged a higher rate for cash withdrawals, and you start paying interest immediately.

Representative example

You can get an interest rate on card purchases of

12.9% per annum variable after 5 years

with a rate of

providing you have a credit limit of

£1200

Amnesty International Standard Rate Credit Card

Your credit card at a glance

Type of interest

Rate

18.9% interest per annum

You start paying the variable rate once your initial introductory offer ends.

25.9% interest per annum

On cash withdrawals.

You’re charged a higher rate for cash withdrawals, and you start paying interest immediately.

Representative example

You can get an interest rate on card purchases of

18.9% per annum variable after 6 months

with a rate of

providing you have a credit limit of

£1200

Amnesty International Fixed Rate Platinum Credit Card

Your credit card at a glance

Type of interest

Rate

12.9% interest per annum

You start paying the variable rate once your initial introductory offer ends.

25.9% interest per annum

On cash withdrawals.

You’re charged a higher rate for cash withdrawals, and you start paying interest immediately.

Representative example

You can get an interest rate on card purchases of

12.9% per annum variable after 5 years

with a rate of

providing you have a credit limit of

£1200

You won't pay interest on purchases, if you pay the full balance by the due date

  • You only start paying interest on purchases if you haven’t paid off the full balance by the due date, which is 25 days after your monthly statement is issued.
  • Interest will apply immediately for cash withdrawals and balance transfers.

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