Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Bank of Scotland Classic Credit Card review September 2019
The Classic Card may not have the super-competitive rates of other Bank of Scotland cards, but the bar for getting approved is lower.
Finder rating: ★★★★★
Doing its job: 3/5
In a nutshell:
0% interest on balance transfers
0% interest on purchases
|Issuer||Bank of Scotland|
|Balance transfers||0% for 18 months reverting to 27.95%|
|Balance transfer fee||3% (min. £3)|
|Purchases||0% for 9 months reverting to 27.95%|
|Purchases interest-free period||Up to 56 days|
|Min. credit limit||£0|
|Max credit limit||Not specified|
|Additional cards available||1|
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
Described by Bank of Scotland as “A credit card for customers with a good credit rating but who may not be eligible for the main range of Bank of Scotland credit cards”, this deal may be especially suitable for those with a more limited credit history. In cases where Bank of Scotland has not been able to offer customers the card they applied for, it may offer this card as an alternative.
The good news is that you could still score a 9-month 0% interest period on purchases with this card, and a 18-month 0% interest period on balance transfers too. If, on the other hand, you don’t anticipate carrying a balance from month-to-month, then you’ll be able to take advantage of up to 56 days of 0% interest on purchases each billing cycle.
Depending on how you would expect to use this card it may in fact not feel like the second-rate card that Bank of Scotland’s own description might imply.
Don’t forget that Bank of Scotland offers a free and instant eligibility checker tool so you can find out your chances of getting approved for this card (and any others in its range) without affecting your credit score.
How does this card compare with other similar cards on the market?
Bank of Scotland’s card
Other credit builder credit cards
When it comes to repayments, you can make manual repayments online or over the phone (0345 964 5645), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
|Minimum amount||Fixed amount||Fixed percentage||Full amount|
How to apply for the Bank of Scotland Classic Credit Card
If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.
Finder credit card ratings
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★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar products on the market.
We look at the how good the card is for its designated purpose – spending abroad, clearing debt, earning air miles etc. – how costly it is to use day-to-day and whether it offers much in the way of extras.