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Co-operative members cashback credit card

Earn more from your everyday purchases with cashback offers with our Co-operative Members credit card, exclusively for Co-op Members.

  • No annual fee

  • Compatible with your digital wallet

  • Manage your card in online banking, in our app, over the phone and in a branch

Co-operative members cashback credit card and The Co-operative Bank mobile app

Card features

  • 18.2% interest per annum (variable) on purchases and balance transfers

  • 27.9% interest per annum (variable) on cash withdrawals from account opening

  • 0% balance transfer fee

  • Earn 0.5% cashback when you spend in Co-op food stores and 0.3% cashback when you spend anywhere the Visa symbol is displayed (excludes balance transfers and cash withdrawals)

Representative example

The representative examples can enable you to compare the costs across different products and providers.

  • 18.2% APR representative (variable)

Based upon:

  • £1,200 assumed credit limit
  • 18.2% per annum purchase rate (variable)
Credit and balance transfer limits
Fees and charges
Help and support

Credit and balance transfer limits

  • We'll run a credit check and assessment of your personal circumstances and let you know what your credit limit would be
  • The minimum credit limit you can apply for is £500
  • The maximum credit limit you can have depends on how much we think you can reasonably afford to pay back
  • The balance transfer limit is 95% of your agreed credit limit, and you must transfer at least £100 to this card
  • You can’t transfer a balance from another Co-operative Bank or smile credit card
  • Whatever credit amount you request will not affect your credit score or our decision.

  • Credit card repayment calculator

    Find out how long it could take to pay off your credit card balance, how much interest you may pay and how increasing your monthly payments would save you time and money.

    Try out our repayment calculator

Fees and charges

Service

Cost
Balance transfers £0 fee
Withdrawing cash 3% of cash withdrawn at a minimum of £3 (27.9% interest per annum variable). Help me understand cash fees
Late or missed payments £10 per payment missed
Uncleared Direct Debit or cheque payment £10 each time
Ordering a copy statement £2.50 each (maximum £10 per request)
Using your card abroad 2.75% of the transaction amount (currency conversion fee) when you make a purchase in a foreign currency or make a cash withdrawal in a foreign currency outside the UK. We use Visa Scheme Exchange Rate
Withdrawing cash abroad 3% (min £3) of the transaction amount on top of the 2.75% currency conversion fee.
More about travel charges

Ready to apply?

Great - it takes about 10 minutes if you've got all your details ready.

You can save your application as you go and come back to it at any time.

  • You must:

  • be 18 or over
  • be a UK resident
  • earn a minimum of £10,000 per year
  • be employed full time, part time, self-employed or retired
  • have held a Co-operative Bank or smile current account for at least 7 months (Cashminder accounts are not eligible).
  • be a Co-op Member. (During the application, we will require your Membership number, starting 633174.)

    How do I become a Co-op Member?

    Become a Co-op Member for just £1 to be eligible for this credit card and earn cashback on your spending. Please note, The Co-op Membership is managed by The Co-op Group, not The Co-operative Bank.

    Sign up for a Co-op Membership

    • You must not:

    • Have had any Defaults or County Court Judgements (CCJs) in the past six years
    • Have entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds in the past six years
    • Have been declared bankrupt in the past six years
    • Be in arrears or have missed more than two payments on a credit agreement in the past six months.

    • To complete the application you’ll need:

    • Your monthly income and outgoings
    • Any previous addresses from the last three years
    • The account number and sort code for your main bank account.

    Things to consider:

    Before you apply for a credit card, consider how much you will be able to repay every month. If you only make the minimum or low repayments on your credit card, you could fall into the cycle of persistent debt.

    What is persistent debt? Learn more

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

    Additional cardholders

    If you wish to add an additional cardholder for this credit card, please ensure you have their consent to share their information before filling out this application form.

    Additional (secondary) cardholders must be 18 or over and a UK resident.

    Declaration

    You should read the important documents carefully and save copies of them for future reference.

    These documents set out the terms on which we will rely in providing the services to you. They also explain how your personal information will be used and your rights in relation to that use.

    If you do not understand any point, you should ask us for further information before proceeding.

    Apply for a members credit card

    Other ways to apply

    If you prefer, you can get support with your application and book an appointment to speak with someone in branch, on a video call or over the phone.

    Important documents

    Cashback terms and information

    We’ll send your Co-operative Members Credit Card cashback summary to The Co-op Group every January and July. You’ll see how much you’ve earned on the 'Cashback summary' of these months, marked as 'Cashback redeemed'. The Co-op Group will then send you your cashback.

    The Co-op Group will send your cashback either through:

    • A bank transfer to your chosen bank account
    • In the form of Co-op Group vouchers – to spend on food, legal advice or funeral care.

    You can find out which method your cashback is currently due to be paid in, or change this method, by calling them on 0800 023 4708 (free to call).

    We send The Co-op Group your cashback summary twice a year - in January and July. You’ll usually then receive the cashback amount in your summary at the same time as your Co-op Group dividend - usually within 6 months, but it can sometimes take longer as payment dates can vary in different regions.

    The Co-op Group provides you with a membership card when you sign up to be a member. If you’ve lost your membership card, you can contact them on 0800 023 4708 (free to call).

    You can contact us, either by:

    You need to contact us to update your membership number, either by:

    You won’t receive cashback if:

    • You don’t have a valid membership number registered with us
    • You’ve not paid at least the minimum monthly payment
    • You’ve spent more than your credit limit
    • You’ve been declared bankrupt or default in respect of your credit agreement with us
    • We believe you’ve misused this cashback scheme
    • You or we have given notice to the other to end your participation in this cashback scheme.

    When you receive a refund for a purchase, any cashback you earned for the purchase will be deducted from your cashback earnings.

    For more information, you can read the full Members credit card cashback terms and conditions (PDF).

    For more detail, you can read the full Members credit card cashback terms and conditions (PDF opens in new tab).