Manage your monthly repayments at a fixed rate of 8.9% for 3 years.
18.3% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.3% per annum (variable). What do these terms mean?
Our credit cards are only available for customers who have had a Co-operative Bank or smile current account for at least 1 month (excluding Pathfinder, Cashminder or Student accounts)
You pay interest for borrowing money on a credit card. We calculate interest at an annual percentage rate (APR) and charge monthly. You can see how much interest you’ve been charged by checking your monthly statements or online banking.
APR (Annual Percentage Rate) is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.
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.
8.9% interest per annum fixed for 3 years on purchases and balance transfers.
After three years this becomes 18.3% interest per annum.
All successful applications will receive the exact rates advertised.
No annual fee.
No balance transfer fee.
There is no annual fee for using this card. However, there are other fees, depending on how you use the card:
3% of the cash withdrawn (minimum £3)
Ordering a copy statement
£2.50 per statement (capped at £10 per request)
Late or missed payment
£10 per payment missed
Going over your credit limit
£10 each time you go over
Uncleared Direct Debit or cheque payment
£10 each time
Currency conversion charge
Applied when you make a purchase using your debit card in a foreign currency, or if you make a cash withdrawal in a foreign currency outside the UK using your debit card.
2.75% of the transaction
Transactions are also converted into sterling using the Visa Scheme Exchange Rate which can be found here.
Withdrawing cash abroad
3% of the cash you withdraw (minimum £3), on top of the 2.75% transaction fee above
It takes about 10 minutes if you've got all your details ready.
You can save your application and come back to it at any time.
be 18 or over
be a UK resident
earn a minimum of £10,000 per year
have had a Co-operative Bank or smile current account for at least 1 month (Cashminder, Student and Pathfinder accounts are not eligible)
be employed full time, part time, self-employed or retired
have any County Court Judgements (CCJs) or 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
Your monthly income and outgoings
Your previous addresses from the last 3 years
The account number and sort code for your main bank account
Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.
Approval is subject to status and based on a credit check and an assessment of your personal circumstances.
The Co-operative Bank reserves the right to decline any application.
Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy.
Not found what you're looking for?
Contact our support team