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3-year fixed rate credit card
Manage your monthly repayments easily, with a fixed-rate of just 8.9% interest per annum for three years from account opening, then 18.2% per annum (variable).
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No annual fee
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Compatible with your digital wallet
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Manage your card in online banking, in our app, over the phone and in a branch
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
- 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.
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| Withdrawing cash | 3% of cash withdrawn at a minimum of £3 (27.9% interest per annum variable).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:
You must not:
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Important information about credit checks and repayments
We will carry out a soft credit check – if we think you’re unlikely to be accepted, we’ll let you know before the full credit check
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 a full credit check may affect you
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.
Check how much you could repay every month
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.
Approval
Approval is based on an assessment of your personal circumstances and is subject to status and additional eligibility criteria.
What you need to apply online
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A UK mobile number
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An email address
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Your addresses over the past 3 years
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The account number and sort code of your main bank account
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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.
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
How to add an additional card holder
You’ll have to wait until your account is open to add an additional card holder.
How to add an additional credit card holder
You can apply to add an additional card holder by following these steps:
- Download then print an additional card holder application form.
- Check the additional card holder is eligible.
- Enter the additional card holder's details.
- 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.
Understanding credit cards
Learn how we calculate interest and understand what terms like ‘APR’ mean with our credit card terminology break down.
APR and interest
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.
Representative examples
The representative examples can enable you to compare the costs across different products and providers.
Variable and fixed rates
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.
Need help with an existing credit card?
How we can help you:
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