Earn more from your everyday purchases with cash-back offers, whilst helping to support local causes when you spend with our cash-back credit card; exclusively for Co-operative Members.
for every £2 you spend at Co-op Food stores
for every £3.33 you spend anywhere else where a Visa symbol is displayed
There is no annual fee for using this card. However, there are other fees, depending on how you use the card:
Currency conversion charge
Applied when you make a purchase using your credit card in a foreign currency, or if you make a cash withdrawal in a foreign currency outside the UK using your credit card.
2.75% of the transaction
Transactions are also converted into sterling using the Visa Scheme Exchange.
Withdrawing cash abroad
3% of the cash you withdraw (minimum £3), on top of the 2.75% 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.
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 cash-back on your spending. Please note, The Co-operative Membership is managed by The Co-op Group, not The Co-operative Bank.
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.
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.
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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