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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 provisional 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Withdrawing cash 3% of cash withdrawn at a minimum of £3 (27.9% interest per annum variable).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

Check you're eligible and apply

To apply, you must:

  • be a UK resident and 18 or over

  • 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, which starts with 633174.

You must not:

  • have had any Defaults or County Court Judgements (CCJs) in the past 6 years

  • have entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds in the past 6 years

  • have been declared bankrupt in the past 6 years

  • be in arrears or have missed more than 2 payments on a credit agreement in the past 6 months

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

  • Important information about credit checks and repayments

When you apply, we run a soft credit check first. The soft credit check will show up on your credit file but it won't be visible to anyone but you and it won't have a negative impact on your credit rating. We’ll tell you if we’re unlikely to offer you a credit card or the credit limit you requested. We’ll then give you the option to stop your application before we carry out a full credit search.

If you decide to continue, we’ll complete a full (‘hard’) credit check before we make our final decision on whether to approve your application. This:

  • will be registered on your credit file and seen by other lenders, whether or not you proceed with the agreement
  • can negatively affect your credit score, especially if there are multiple full checks in a short time - this can make it harder to get credit in the future

How credit checks work

Get support with credit card applications

We disclose your information to credit reference agencies to help us make financial decisions. This will be during the application process and on an on-going basis, to decide whether to continue to make products or services available to you or adjust any level of credit.

Your information (and that of anyone financially linked with you) may be taken into account in this and future applications made by either of you.

If you make several credit applications within a short time, this may temporarily affect your ability to get credit.

If you give false or inaccurate information and fraud is identified, details will be passed to the fraud prevention agencies to prevent fraud and money laundering and we reserve the right to cancel this agreement. We can provide further details explaining how the information held by fraud prevention agencies may be used.

It’s important to know how much you can afford to repay. If you only make the minimum or low repayments on your credit card, you could fall into the cycle of persistent debt.

Read more about persistent debt

Use our credit card repayment calculator

Approval

Approval is based on an assessment of your personal circumstances and is subject to status and additional eligibility criteria.

  • We’re proposing to transfer the Co-operative Bank’s business to Coventry Building Society on 1 January 2027

    The Co-operative Members Credit Card requires customers to be members of the Co-op Group (which is no longer affiliated to the Co-operative Bank). This is different to membership of the Society. Customers who only hold a credit card, will not receive membership of the Society. Our future plans.

What you need to apply online

  • A UK mobile number

  • An email address

  • Your addresses over the past 3 years

  • The account number and sort code of your main bank account

  • Your employment details with monthly earnings and outgoings

Apply in online banking or our mobile app

You can apply for this account using the mobile app or online banking. Log in to online banking or open our mobile app and go to Products.

It takes about 10 minutes if you've got all your details ready.

Log in to online banking

Register for online banking

Prefer to speak with us instead?

You can get support with your application in a way that suits you.

  • In branch
  • Over the phone
  • On a video call

Book an appointment to speak to someone

How to add an additional card holder

You’ll have to wait until your account is open to add an additional card holder.

You can apply to add an additional card holder by following these steps:

  1. Download then print an additional card holder application form.
  2. Check the additional card holder is eligible.
  3. Enter the additional card holder's details.
  4. Sign and post the completed form to:

    The Co-operative Bank
    PO Box 4931
    Swindon
    SN4 4PL

We’ll post you the outcome. If you’re successful, the additional card holder will receive their card 3 to 5 business days after we send the outcome.

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).

Need help with an existing credit card?

How we can help you:

Lost or stolen card

Report suspected fraud

Added security when making payments online

Set up online banking

Set up mobile banking

Set up Apple Pay

Set up Google Pay

Set up Samsung Wallet

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