Clydesdale Bank Gold Mastercard review September 2019

Enjoy 0% interest on your forthcoming purchases and balances transferred to Clydesdale Bank from your old card(s).

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).

12 months

0% interest on balance transfers

26 months

0% interest on purchases

18.9%

Representative APR

£0

Account fee

Details

IssuerClydesdale Bank
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 12 months reverting to 18.9%
Balance transfer fee3% (min. £3)
Purchases0% for 26 months reverting to 18.9%
Purchases interest-free periodUp to 59 days
Cash advances27.9%
Min. credit limit£500
Max credit limitNot specified
Additional cards available3

If you have existing credit card debt and you’re looking to reduce the amount of interest you’re paying, a balance transfer deal could be a good idea.

Clydesdale Bank’s Gold Mastercard offers an introductory 12 months’ 0% interest on balances that you transfer to the new card. It might not be the longest 0% deal on the market, but crucially, the interest rate that your transferred balance reverts to at the end of the 0% period is unusually low. You should aim to clear your outstanding balance before the 0% period ends, but if there’s a chance you might not manage to, this card’s revert rate is less punishing than many on the market.

There’s also an introductory 0% deal on purchases you make using the card, so if you need to use the card for any major upcoming expenditure, you can spread the cost without incurring interest (at least for the first 26 months from account opening).

As this card is on the Mastercard network, it’s accepted in more than 35 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.

Compare other cards with 0% purchase and balance transfer deals

Table: sorted by representative APR, promoted deals first
Updated September 17th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 20 months reverting to 19.9%
0% for 20 months reverting to 19.9%
£0
19.9% p.a. (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
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).
0% for 12 months reverting to 15.9%
0% for 12 months reverting to 15.9%
£0
15.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
0% for 12 months reverting to 17.9%
0% for 12 months reverting to 17.9%
£0
17.9% p.a. (variable)
Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
0% for 26 months reverting to 18.9%
0% for 12 months reverting to 18.9%
£0
18.9% p.a. (variable)
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).
0% for 26 months reverting to 18.9%
0% for 12 months reverting to 18.9%
£0
18.9% p.a. (variable)
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).
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% p.a. (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).
0% for 27 months reverting to 19.9%
0% for 27 months reverting to 19.9%
£0
19.9% p.a. (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
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).
0% for 12 months reverting to 19.94%
0% for 24 months reverting to 19.94%
£0
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% p.a. (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).
0% for 12 months reverting to 19.944%
0% for 12 months reverting to 21.814%
£0
19.9% p.a. (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% 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 Gold 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 exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although 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, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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