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0% interest per annum for 24 months on balance transfers from the date you transfer your balance.
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After 24 months this will increase to 20.6% interest per annum.
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0% interest per annum. for 4 months on all purchases from account opening.
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After 4 months this will increase to 20.6% interest per annum.
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All successful applications will receive the exact rate advertised.
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No annual fee.
- Your balance must be transferred within 60 days of opening this account. We will charge a 1% balance transfer fee for this action (minimum charge £5).
Representative example
20.6% per annum variable after 4 months
with a rate of
providing you have a credit limit of
£1200
To apply the main card holder must meet the following:
- 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.
Important documents
Important information, Pre-contract credit information and Terms and Conditions
Download Important information, Pre-contract credit information and Terms and Conditions PDF (1,535KB)Features, benefits and summary box
Download Features, benefits and summary box PDF (102KB)How we use your personal information
Download How we use your personal information PDF (622KB)Our lending commitments and what we ask of you
Download Our lending commitments and what we ask of you PDF (604KB) -
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6.9% interest per annum fixed for 3 years on purchases and balance transfers.
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After 3 years this will increase to a 18.3% interest per annum on all purchases and balance transfers.
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We charge 27.9% interest per annum on cash withdrawals.
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- All successful applications will receive the exact rates advertised for the first 3 years.
- No annual fee.
- No balance transfer fee.
Representative example
18.3% per annum variable after 3 years
with a rate of
providing you have a credit limit of
£1200
To apply the main card holder must meet the following:
- 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.
Important documents
Important information, Pre-contract credit information and Terms and Conditions
Download Important information, Pre-contract credit information and Terms and Conditions PDF (285KB)Features, benefits and summary box
Download Features, benefits and summary box PDF (87KB)How we use your personal information
Download How we use your personal information PDF (622KB)Our lending commitments and what we ask of you
Download Our lending commitments and what we ask of you PDF (604KB) -
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18.3% interest per annum on purchases and balance transfers.
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We charge 27.9% interest per annum on cash withdrawals.
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Get 1p cashback for every £2 you spend in The Co-operative Food stores.
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Get 1p cashback for every £3.33 you spend anywhere else the Visa symbol is displayed.
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No cashback is earned on balance transfers or cash withdrawals.
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No annual fee.
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No balance transfer fee.
Representative example
18.3% per annum variable
with a rate of
providing you have a credit limit of
£1200
To apply the main card holder must meet the following:
- 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.
- Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.
Not a Co-operative member? Apply today or find out more about our historic membership.
Approval is subject to status and based on a credit check and an assessment of your personal circumstances.
Important documents
Important information, Pre-contract credit information and Terms and Conditions
Download Important information, Pre-contract credit information and Terms and Conditions PDF (273KB)Summary box
Download Summary box PDF (53KB)How we use your personal information
Download How we use your personal information PDF (622KB)Members Cashback Terms
Download Members Cashback Terms PDF (254KB)Our lending commitments and what we ask of you
Download Our lending commitments and what we ask of you PDF (604KB) -
Compare our credit cards
Use our credit card comparison table to find which credit card may be best for you.
Help for existing customers
Includes useful hints and tips about everything from paying your bill to keeping your card safe.
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.
Interest
You pay interest for borrowing money on a credit card. We calculate interest at an annual percentage rate (APR) and charge monthly. You can see how much interest you’ve been charged by checking your monthly statements or online banking.
Per Annum
Per annum is a quicker way of saying ‘for each year’.
Balance Transfers
A balance transfer is when you move an unpaid balance from one credit card to another, typically in order to pay it off at a lower interest rate. When you do a balance transfer, you effectively use one credit card to fully or partially pay off the other. We may charge you a fee for doing a balance transfer.Purchases
When we talk about purchases, we’re referring to card transactions with retailers, as opposed to cash withdrawals or balance transfers.Interest
You pay interest for borrowing money on a credit card. We calculate interest at an annual percentage rate (APR) and charge monthly. You can see how much interest you’ve been charged by checking your monthly statements or online banking.Per Annum
Per annum is a quicker way of saying ‘for each year’.
Variable
When a rate is advertised as variable, it means that it could go up or down.
APR (Annual Percentage Rate)
APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.
Variable
When a rate is advertised as variable, it means that it could go up or down.
Credit limit
Not to be confused with ‘available credit’ (the amount available to spend), your credit limit is the upper limit of what you can borrow on a particular card. Your credit limit is typically determined by your financial circumstances and requirements when you apply.APR (Annual Percentage Rate)
APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.
Representative
Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.
Variable
When a rate is advertised as variable, it means that it could go up or down.
APR (Annual Percentage Rate)
APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.
Per annum
Per annum is a quicker way of saying ‘for each year’.
Representative
Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.
Variable
When a rate is advertised as variable, it means that it could go up or down.
Fixed
Fixed means your interest rate won’t change for a set period of time. You should always check to see how long your fixed rate lasts.
Interest
You pay interest for borrowing money on a credit card. We calculate interest at an annual percentage rate (APR) and charge monthly. You can see how much interest you’ve been charged by checking your monthly statements or online banking.
Contact us
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