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The Co-operative Members' Credit Card

A credit card exclusively for Co-operative Members.


Check eligibility

members credit card

  • We charge 27.9% interest per annum on cash withdrawals
  • Get 1p cashback for every £2 you spend in The Co-operative Food stores
  • Get 1p cashback for every £3.33 you spend anywhere else the visa symbol is displayed
  • No cashback is earned on balance transfers and cash withdrawals

Representative example

18.3% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.3% per annum (variable).

What do these numbers mean?


Fairer Finance Gold Ribbon


Our credit cards are only available to Co-operative Bank customers

Our credit cards are only available to customers who have held a Co-operative Bank or smile current account for 1 month or more (excluding Pathfinder, Cashminder and Student accounts).

Why join The Co-operative Bank?

We are the bank for people with purpose. We were born from the co-operative movement over 145 years ago. Where others saw obstacles, we saw opportunity; a chance to make what worked for one, work for all.

We're proud to be the only UK high street bank with a customer-led Ethical Policy. Our customers know their money will be kept safe and not be used in a way that conflicts with their values and ethics.

 


 

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 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.
  • 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

How we use your personal information

Download How we use your personal information PDF

Our lending commitments and what we ask of you

Download Our lending commitments and what we ask of you PDF

Not the card for you?

See our other credit cards

View other credit cards


 

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.