Our Co-operative Members credit card

An exclusive cashback card for Co-operative Members

Representative example

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

Help me understand credit card terminology

Earn more from your everyday purchases with cashback offers and we’ll also support local causes on your behalf when you spend with our cashback credit card, exclusively for Co-operative Members.

Interest rates

Members credit card
  • 18.2% interest per annum on purchases and balance transfers

  • 27.9% interest per annum on cash withdrawals.

Features of our cashback credit card

  • 0.5% cashback when you spend in Co-op food stores.

  • 0.3% cashback when you spend anywhere else the Visa symbol is displayed (please note that no cashback is earned on balance transfers or cash withdrawals)

  • £0 balance transfer fee

  • £0 annual fee

  • Works with smart payment apps, including Apple Pay, Google Pay and Samsung Wallet.

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.


There’s no annual fee for using this card. However, there are fees for:

  • Withdrawing cash – 3% of the cash withdrawn (minimum £3)
  • Ordering a copy statement – £2.50 per statement (capped at £10 per request)
  • Late or missed payments – £10 per payment missed
  • Going over your credit limit – £10 when you go over your credit limit, then £10 each month until your account is brought back within the agreed limit
  • Uncleared Direct Debit or cheque payment – £10 each time.

Travelling abroad

Currency conversion

2.75% of the transaction amount is charged when you use your credit card to make a purchase in a foreign currency or make a cash withdrawal in a foreign currency outside the UK.

Transactions are also converted into sterling using the Visa Scheme Exchange Rate.

Withdrawing cash abroad

3% of the cash you withdraw (minimum £3) is charged, on top of the 2.75% currency conversion transaction fee above.

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
  • Be a Co-operative Member. (During the application, we will require your Membership number, starting 633174.)

How do I become a Co-operative Member?

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

Sign up for a Co-operative 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.


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 in branch

If you’d rather not apply online, you also have the option to apply in one of our branches.

Find your nearest branch

Important documents

Cashback terms and information

We’ll send your Co-operative Members Credit Card cashback summary to The Co-operative 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-operative Group will then send you your cashback.

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

  • A bank transfer to your chosen bank account
  • In the form of Co-operative 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-operative 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-operative Group dividend - usually within 6 months, but it can sometimes take longer as payment dates can vary in different regions.

The Co-operative 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.

Understanding credit cards

Learn how we calculate interest and understand what terms like ‘APR’ mean with our credit card terminology break-down.

You pay interest for borrowing money on a credit card. We work out interest daily and add it to your account on the next statement date. You can see how much interest you’ve been charged by checking your monthly statements or online banking.

APR (Annual Percentage Rate) is an illustration of the cost of borrowing over a year taking into account the interest rate and any additional fees. You can use the APR to compare the cost of similar products.

When we use the terms ‘low interest’ or ‘low APR’ this is comparative to what some other banks or lending providers may offer.

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

When a rate is advertised as variable, it means that it could go up or down.

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.

Per annum is a quicker way of saying ‘for each year’. It’s usually used to explain how interest is calculated and charged.

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