Credit cards

Cards for purchases, transfers or rewards from the original ethical bank.

Only available for customers who have had a Co-operative Bank or smile current account for at least 1 month. (Cashminder, Student and Pathfinder accounts are not eligible)

Balance transfer card

Balance transfer credit card

Pay back your existing credit card balances from one place.

  • 0% interest on balance transfers for 24 months.

  • 0% interest on purchases for 4 months.

Representative example

20.6% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 20.6% per annum (variable).

3-year fixed rate credit card

Manage your monthly payments at a fixed rate for 3 years.

  • 8.9% interest per year on purchases for 3 years.

  • 8.9% interest per year on balance transfers for 3 years.

Representative example

18.3% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.3% per annum (variable). 

Co-operative Members’ credit card

A credit card exclusively for Co-operative Members.

  • 1p cashback for every £2 you spend in Co-op food stores.

  • 1p cashback for every £3.33 you spend anywhere else the Visa symbol is displayed.

Representative example

18.3% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.3% per annum (variable).

Why choose the Co-operative Bank?

Born from the co-operative movement over 145 years ago, we’re proud to be the only UK high street bank with a customer-led Ethical Policy. Our customers know their money will be kept safe and not be used in a way that conflicts with their values and ethics.

Learn more about what makes us ethical

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.

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