There’s no annual fee for using this card. However, there are fees for:
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.
3% of the cash you withdraw (minimum £3) is charged, on top of the 2.75% currency conversion transaction fee above.
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.
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.
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.
Approval is subject to status and based on a credit check and an assessment of your personal circumstances.
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.
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:
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 won’t receive cashback if:
When you receive a refund for a purchase, any cashback you earned for the purchase will be deducted from your cashback earnings.
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.
Not found what you're looking for?
Contact our support team