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Credit cards

Choose a card for purchases, transfers or rewards today.

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Compare APR What is APR? Representative example What does representative mean? Introductory offer What are introductory offers? Balance transfer fee Learn more about balance transfer fees Annual fee Learn more about annual fees Interest free purchases Learn more about interest free purchases Cashback on purchases Learn more about cashback on purchases Cash advance fee Learn more about cash advance fees Contactless Learn more about contactless Chip and PIN Learn more about chip and PIN Additional cardholders Learn more about additional cardholders Eligibility Learn more about eligibility

18.0% APR representative/variable

You can get an interest rate on purchases of 18.0% per annum variable after 4 months

with a rate of 18.0% APR representative/variable

providing you have a credit limit of £1200

0% interest per annum for 4 months on purchases from account opening.

This reverts to 18.0% interest per annum after 4 months.

0% interest per annum for 24 months on balance transfers.

This reverts to 18.0% interest per annum after 24 months.

1% balance transfer fee (minimum charge £5).

  • Balance transfers must be within 95% of credit limit.
  • No annual fee.

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.

No

3% of value (minimum of £3)

  • You're charged an interest rate of 25.9% interest per annum on cash withdrawals. There are additional charges for withdrawals abroad.
contactless card

Yes

  • You must be over 18.
chip and pin card

Yes
joint card holders

Yes
  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

6.9% interest per annum

This reverts to 15.9% APR representative / variable after 3 years.

You can get an interest rate on purchases of 15.9% per annum variable after 3 years

with a rate of 15.9% APR representative/variable

providing you have a credit limit of £1200

6.9% interest per annum fixed for 3 years on purchases and balance transfers

This reverts to 15.9% interest per annum after 3 years.

  • No balance transfer fee.
  • No annual fee.

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.

No

3% of value (minimum of £3)

  • You're charged an interest rate of 25.9% interest per annum on cash withdrawals. There are additional charges for withdrawals abroad.
contactless card

Yes

  • You must be over 18.
Chip and Pin

Yes
Joint card holders

Yes
  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

15.9% APR representative / variable

You can get an interest rate on purchases of 15.9% per annum variable

with a rate of 15.9% APR representative/variable

providing you have a credit limit of £1200

No introductory offer.
  • No balance transfer fee.
  • No annual fee.

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 issues.
  • Interest will apply immediately for cash withdrawals and balance transfers.

Yes

3% of value (minimum of £3)

  • You're charged an interest rate of 25.9% interest per annum on cash withdrawals. There are additional charges for withdrawals abroad.
Contactless card

Yes

  • You must be over 18
Chip and Pin

Yes
Joint card holders

Yes
  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Be a Co-operative Member to be eligible for cashback.

  • Not a Co-operative member? Apply today or find out more about our historic membership.

  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Help for existing customers

Includes useful hints and tips about everything from paying your bill to keeping your card safe.

Learn more

The Co-operative Bank reserves the right to decline any application.

Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the ones advertised.

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