Bank of China (UK) Great Wall International Gold Credit Card review

The Bank of China (UK) Great Wall International Gold Credit Card is issued on the Visa network (used by a whopping 4.2 billion cards), so you'll be able to use it at more than 100 million merchant locations across more than 200 countries and territories.

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

• Rewards cards
• Low rate cards

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Product	Purchases	Annual/monthly fees	Representative APR	Incentive	Representative example
Promoted The Platinum Card® by American Express Finder Award	30.0%	£650 per annum	694.9% APR (variable)	New Cardmembers earn 50,000 Membership Rewards® points when you spend £6,000 in your first three months of Cardmembership. New Cardmembers only. Terms apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 694.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Promoted Yonder Full Membership Credit Card Mastercard Finder Award	29.64%	£15 per month	66.3% APR (variable)	Earn 5 point for every £1 spent and up to 25 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide, or equivalent of 0.5% cashback.	Representative example: When you spend £1,200 at a purchase rate of 29.64% (variable) p.a. with a fee of £15 per month, your representative rate is 66.3% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
HSBC Premier World Elite Credit Card	29.9%	£290 per annum	100.2% APR (variable)	2 points for every £1 spend in the UK. 4 points for every £1 spend outside the UK. 40,000 Anniversary Points Boost - qualifying spend £12K in 12 months from account opening. Points can be redeemed for airline frequent flyer miles, retail vouchers from selected stores and luxury wines and champagnes or can be used to make donations made to the charity of the customer's choice. 1 point = 1p (no min)	Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £290 per annum, your representative rate is 100.2% APR (variable).	Read review Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	30.0%	£300 per annum	137.8% APR (variable)	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 137.8% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Read review Compare	loading Fetching your data...
NatWest Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum	40.7% APR (variable)	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).	Read review Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award	30%	£95 per annum	53.7% APR (variable)	Earn 60,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first three months of Cardmembership. Offer ends 15 July 2025. New Cardmembers only. Annual fee applies, 18+, subject to status. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 30% (variable) p.a. with a fee of £95 per annum, your representative rate is 53.7% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	30%	Year 1 - £0, Year 2 onwards - £195 per annum	87.3% APR (variable)	New Cardmembers earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. New Cardmembers only. Terms apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 87.3% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...

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1 - 8 of 11

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Product	Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
The Co-operative Bank 3 Year Fixed Rate Credit Card	Finder score 5.8Standard	8.9%	8.9% (0% fee)	£0	8.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 8.9% (variable) p.a., your representative rate is 8.9% APR (variable).	Card details Compare	loading Fetching your data...
Tesco Bank Low APR Clubcard Credit Card Finder Award	Finder score 6.3Standard	10.941%	11.457% (3.99% fee)	£0	10.9% APR (variable)	5 points 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 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).	Card details Compare	loading Fetching your data...
Lloyds Bank Platinum Low Rate Credit Card	Finder score 5.5Standard	10.94%	10.94% (5% (0% fee if transfer is completed within the first 90 days) fee)	£0	10.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 10.94% (variable) p.a., your representative rate is 10.9% APR (variable).	Card details Compare	loading Fetching your data...
TSB Advance Credit Card Mastercard	Finder score 6.7Standard	0% for 3 months reverting to 12.95%	0% for 3 months (0% fee)	£0	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Card details Compare	loading Fetching your data...
The Ulster Bank Credit Card Mastercard	Finder score 6.2Standard	12.9%	12.9% (0% fee)	£0	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Card details Compare	loading Fetching your data...
The Royal Bank Credit Card	Finder score 6.2Standard	12.9%	12.9% (0% fee)	£0	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Card details Compare	loading Fetching your data...
NatWest Credit Card	Finder score 6.2Standard	12.9%	12.9% (0% fee)	£0	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Card details Compare	loading Fetching your data...
MBNA Limited Platinum Visa	Finder score 6.1Standard	12.94%	12.94% (5% (0% fee if transfer is completed within the first 90 days) fee)	£0	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.94% (variable) p.a., your representative rate is 12.9% APR (variable).	Card details Compare	loading Fetching your data...

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Repayment options

You can make manual repayments through Bank of China (UK)'s app by logging in to your online banking or over the phone (020 7282 8763). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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:

How to apply

If you've compared cards and want to apply, here's what to do:

• Check the eligibility criteria. You can only apply if you're 18 or more and already have a current account with Bank of China, with no history of missing payments or bad debt.
• Download and fill in the application form. It's available on Bank of China's website. You'll have to provide your personal information and details of your employment.
• Visit a branch. Bring the application form, your ID, a bank statement of the last three months and proof of your current employment.

Bank of China has five branches in the UK: two in London and one in Manchester, Birmingham and Glasgow. Unfortunately, you cannot apply for this card online.

Frequently asked questions