Clydesdale Bank B Credit Card review

Last updated:  

This card is no longer available, but you can use this page to compare alternatives.

As of October 2019, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to browse the range of credit cards currently available from Clydesdale Bank and to compare similar cards from other issuers.

Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).

0%

Balance transfer fee

9.9%

Representative APR

0%

Foreign transaction charge

£0

Account fee

Details

IssuerClydesdale Bank
NetworkMastercard
Annual/monthly fees£0
Balance transfers9.9%
Balance transfer fee0%
Purchases9.9%
Purchases interest-free periodUp to 59 days
Cash advances27.9%
Min credit limit£500
Max credit limitNot specified
Additional cards available3

Expert review

Chris Lilly

Review by


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.

Expert review

If you’re looking for a credit card that offers 0% fees on overseas transactions, this option from Clydesdale Bank might appeal.

While it doesn’t boast headline-grabbing introductory balance transfer or purchase deals, it does come with an unusually low (albeit variable) ongoing rate, no annual fee and, provided you clear your balance in full each month, you’ll enjoy 59 days of 0% interest on your purchases each month.

You can track your spending using the B app, and enjoy contactless and mobile payments via Google Pay and Apple Pay. As it’s on the Mastercard network, this card is accepted in more than 35 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.

Compare Clydesdale Bank credit cards

Table: sorted by representative APR, promoted deals first
Updated February 27th, 2020
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
Clydesdale Bank Business Mastercard
16.9%
N/A
Year 1 - £0, Year 2 onwards - £28 per annum
22.4% (variable)
Receive discounts at participating retailers with the Mastercard Business Savings scheme.
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £28 per annum, your representative rate is 22.4% APR (variable).

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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.

How does this card compare with other similar cards on the market?

Table: sorted by representative APR, promoted deals first
Updated February 27th, 2020
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
The Royal Bank Credit Card
9.9%
6.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
The NatWest Credit Card
9.9%
6.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
Tandem Bank Journey Credit Card Mastercard
24.9%
N/A
£0
24.9% (variable)
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Ulster Bank Credit Card Mastercard
9.9%
6.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
Metro Bank Personal Credit Card Mastercard
14.9%
14.9%
£0
14.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a., your representative rate is 14.9% APR (variable).
Santander Zero Credit Card Mastercard
0% for 12 months reverting to 18.9%
0% for 1 months reverting to 18.9%
£0
18.9% (variable)
Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Nationwide Member Credit Card All Rounder Offer
0% for 15 months reverting to 19.9%
0% for 15 months reverting to 19.9%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Nationwide Member Credit Card Balance Transfer Offer
0% for 3 months reverting to 19.9%
0% for 18 months reverting to 19.9%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Halifax Clarity Credit Card Mastercard
19.95%
19.95%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
Santander All in One Credit Card Mastercard
0% for 26 months reverting to 15.9%
0% for 26 months reverting to 15.9%
£3 per month
21.7% (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 678 3320), 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 Clydesdale Bank B Credit Card Mastercard

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.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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