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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
3 Year Fixed Rate Credit Card Balance Transfer Credit Card The Co-operative Members' Credit Card
APR 8.9% p.a. fixed for 3 years reverts to 18.3% APR representative/variable after 3 years 20.6% APR representative/variable 18.3% APR representative/variable
Representative example 18.3% p.a. variable on card purchases. This is equivalent to 18.3% APR representative variable based on a credit limit of £1,200. 20.6% p.a. variable on card purchases. This is equivalent to 20.6% APR representative variable based on a credit limit of £1,200. 18.3% p.a. variable on card purchases. This is equivalent to 18.3% APR representative variable based on a credit limit of £1,200.
Purchase offer 8.9% p.a. fixed for 3 years reverts to 18.3% APR representative/variable after 3 years 0% on purchases for 4 months from account opening reverting to 20.6% 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

 8.9% p.a. fixed for 3 years reverts to 18.3% APR representative/variable after 3 years. 0% on balance transfers for 24 months from the date you transfer your balance reverting to 20.6% APR representative/variable after 24 months. Your balance must be transferred within 60 days of account opening 18.3% APR representative/variable.
Up to 56 days interest free credit on purchases if balance is paid in full by the due date

Balance must be paid in full by the due date.*

Balance must be paid in full by the due date.*

Balance must be paid in full by the due date.*
No balance transfer fee

Interest is charged from the date the transaction is applied to the account.*

3% balance transfer fee, min charge £5.

Interest is charged from the date the transaction is applied to the account.*
No annual fee
Cashback on purchases
Cash advance fee 3% of value, min £3. Interest of 27.9% p.a. applies to cash transactions. Additional charges apply for foreign transactions 3% of value, min £3. Interest of 27.9% p.a. applies to cash transactions. Additional charges apply for foreign transactions 3% of value, min £3. Interest of 27.9% p.a. applies to cash transactions. Additional charges apply for foreign transactions
Contactless credit card
Additional cardholder
Eligibility criteria
  • 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 1 month (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.
  • 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 1 month (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.
  • 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 1 month (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.
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. The due date for balance payments is 25 days after your monthly statement is issued.

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

Which credit card is right for you?
3 Year Fixed Rate Credit Card
3 Year Fixed Rate Credit Card
APR 8.9% p.a. fixed for 3 years reverts to 18.3% APR representative/variable after 3 years
Representative example 18.3% p.a. variable on card purchases. This is equivalent to 18.3% APR representative variable based on a credit limit of £1,200.
Purchase offer 8.9% p.a. fixed for 3 years reverts to 18.3% APR representative/variable after 3 years
Balance transfer rate

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

 8.9% p.a. fixed for 3 years reverts to 18.3% APR representative/variable after 3 years.
Up to 56 days interest free credit on purchases if balance is paid in full by the due date

Balance must be paid in full by the due date.*
No balance transfer fee

Interest is charged from the date the transaction is applied to the account.*
No annual fee
Cashback on purchases
Cash advance fee 3% of value, min £3. Interest of 27.9% p.a. applies to cash transactions. Additional charges apply for foreign transactions
Contactless credit card
Additional cardholder
Eligibility criteria
  • 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 1 month (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.
Terms and Conditions
Apply now
Find out more
Balance Transfer Credit Card
Balance Transfer Credit Card
APR 20.6% APR representative/variable
Representative example 20.6% p.a. variable on card purchases. This is equivalent to 20.6% APR representative variable based on a credit limit of £1,200.
Purchase offer 0% on purchases for 4 months from account opening reverting to 20.6% APR representative/variable after 4 months
Balance transfer rate

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

 0% on balance transfers for 24 months from the date you transfer your balance reverting to 20.6% APR representative/variable after 24 months. Your balance must be transferred within 60 days of account opening.
Up to 56 days interest free credit on purchases if balance is paid in full by the due date

Balance must be paid in full by the due date.*
No balance transfer fee

3% balance transfer fee, min charge £5.
No annual fee
Cashback on purchases
Cash advance fee 3% of value, min £3. Interest of 27.9% p.a. applies to cash transactions. Additional charges apply for foreign transactions
Contactless credit card
Additional cardholder
Eligibility criteria
  • 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 1 month (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.
Terms and Conditions
Apply now
Find out more
The Co-operative Members' Credit Card
The Co-operative Members' Credit Card
APR 18.3% APR representative/variable
Representative example 18.3% p.a. variable on card purchases. This is equivalent to 18.3% APR representative variable based on a credit limit of £1,200.
Purchase offer Cashback on all your credit card purchases
Balance transfer rate

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

 18.3% APR representative/variable.
Up to 56 days interest free credit on purchases if balance is paid in full by the due date

Balance must be paid in full by the due date.*
No balance transfer fee

Interest is charged from the date the transaction is applied to the account.*
No annual fee
Cashback on purchases
Cash advance fee 3% of value, min £3. Interest of 27.9% p.a. applies to cash transactions. Additional charges apply for foreign transactions
Contactless credit card
Additional cardholder
Eligibility criteria
  • 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 1 month (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.
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. The due date for balance payments is 25 days after your monthly statement is issued.

Balance transfers are not permitted from other Co-operative Bank and smile 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.

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.