Credit cards

Find the credit card that works best for you. Whether you’re looking to make purchases, transfers, or earn rewards from your spending; our credit cards offer you a way to make flexible payments, all with the UK’s original ethical bank.

Apply for a credit card online

You can apply for one of our credit cards online today — just make sure you meet our eligibility criteria first. It should only take around 10 minutes; and if you’re in a hurry, you can start your application and come back to it at any time.

Balance transfer credit card

Pay back your existing credit card balances from one place.

  • 0% interest on balance transfers for 24 months.
  • 0% interest on purchases for 4 months.
  • 3% balance transfer fee (minimum charge of £5).
  • No annual fee.

Representative example

20.6% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 20.6% per annum (variable).

3-year fixed rate credit card

Manage your monthly payments at a fixed rate for 3 years.

  • 8.9% interest per annum on purchases for 3 years.
  • 8.9% interest per annum on balance transfers for 3 years.
  • No annual fee and no balance transfer fee.

Representative example

18.2% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.2% per annum (variable).

Co-operative Members credit card

A credit card exclusively for Co-operative Members.

  • 0.5% cashback when you spend in Co-op food stores.
  • 0.3% cashback when you spend anywhere else the Visa symbol is displayed.
  • No annual fee and no balance transfer fee.

If you haven’t already, you can become a Co-operative Member for just £1. Please note, The Co-operative Membership is managed by The Co-op Group, not The Co-operative Bank.

Representative example

18.2% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.2% per annum (variable).

Which credit card is right for you?

Balance transfer credit card
3-year fixed rate credit card
Co-operative Members credit card
Interest rate on purchases
Balance transfer credit card 0% per annum for the first 4 months*
3-year fixed rate credit card Fixed at 8.9% per annum for the first 3 years*
Co-operative Members credit card 18.2% per annum
Interest rate on balance transfers
Balance transfer credit card 0% per annum for the first 24 months*
3-year fixed rate credit card Fixed at 8.9% per annum for the first 3 years*
Co-operative Members credit card 18.2% per annum
Interest rate on purchases and balance transfers after introductory offer period
Balance transfer credit card 20.6% per annum
3-year fixed rate credit card 18.2% per annum
Co-operative Members credit card 18.2% per annum
Balance transfer fee
Balance transfer credit card 3% balance transfer fee (minimum charge of £5)
3-year fixed rate credit card No fee
Co-operative Members credit card No fee
Annual fee
Balance transfer credit card No annual fee
3-year fixed rate credit card No annual fee
Co-operative Members credit card No annual fee
Cashback
Balance transfer credit card No cashback
3-year fixed rate credit card No cashback
Co-operative Members credit card Cashback on purchases

*T&C's apply.

Please note that only our 3-year fixed rate credit card and balance transfer credit card have introductory offer periods.

How we’re different from other banks

It’s our values and ethics that really sets us apart. And it always has been, since 1872.

With a unique customer-led Ethical Policy created in 1992, we give you a say in how your money is used and stand up for the causes that matter to you. Because unlike a lot of banks, we understand the power your money has in making a positive difference to the planet, its people, and our communities.

Our values and ethics

Not found what you're looking for?

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