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Compare Bank of Scotland credit cards for July 2019

Scotland’s oldest bank, Bank of Scotland, offers a range of credit cards incorporating 0% deals on balance transfers, purchases or both.

Bank of Scotland has been helping generations of Scots look after their money since 1695. Today it has almost 300 branches across the country, serving over 2.8 million customers. Its credit cards are part of the Mastercard network, so they are accepted in more than 35 million locations worldwide.

Bank of Scotland’s range

Comparison ordered by representative APR with affiliated products shown first.
Updated July 16th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
6.45%
6.45%
£0
6.4% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 6.45% (variable) p.a., your representative rate is 6.4% APR (variable).
0% for 12 months reverting to 19.95%
0% for 24 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 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 9 months reverting to 27.95%
0% for 18 months reverting to 27.95%
£0
27.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).

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Types of credit cards offered by Bank of Scotland

Bank of Scotland offers a range of credit cards to suit different needs.

  • Balance transfer card

    Make the most of a zero rate of interest for an initial promotional period by transferring existing debts from cards with higher interest rates. Bank of Scotland offers a range of balance transfer cards to suit your circumstances. Take advantage of a card which also offers an interest-free promotional period for purchases, or opt for one that charges a low or no fee for balance transfers.

  • Purchase card

    Bank of Scotland’s purchase cards offer low or zero interest for a specified period on purchases made using the card. If you’re planning a significant expenditure on a new card, then comparing 0% purchase cards would be a smart place to start.

  • Low rate card

    With the lowest ongoing interest rate of all the Bank of Scotland cards, the low rate credit card could suit you if you pay off the minimum or part of your balance each month. This card comes with no promotional period for zero interest on balance transfers or purchases.

What benefits can I get with a Bank of Scotland credit card?

  • Soft searching. Use the online eligibility tool to find out if you will be accepted for a Bank of Scotland credit card without affecting your credit score.
  • Quick decision. Find out if your application is successful within five minutes.
  • Global usage. The Bank of Scotland credit cards are part of the Mastercard networks, so they are accepted at more than 35 million locations worldwide.
  • Contactless payments. All the Bank of Scotland credit cards are enabled for contactless payments up to £30.
  • Enhanced security. Have peace of mind when shopping online with Mastercard SecureCode.
  • Online account management. See your balance and make a payment at any time, and from anywhere.

Applying for a Bank of Scotland Bank credit card

You can use Bank of Scotland’s card selector tool on the website to help you find the right card for you. It lets you:

  • Filter cards based on what you would like the main purpose of your card to be.
  • Tailor results by entering an existing balance to transfer or how much you would like to spend.
  • Sort results by lowest cost, longest 0% interest period or cards for balance transfers and purchases.

Once you’re ready to apply, you’ll need to fill out the simple online application form. To do so you will need your:

  1. Current UK address details, and your previous address if you have moved in the past three years.
  2. Phone number and email address.
  3. Annual income (before tax).
  4. Main bank account number and sort code.
  5. Details for any non Bank of Scotland credit or store cards, if you want to make a balance transfer as part of your application.

If approved, you’ll be formally offered the card. However it’s important to look closely at the offer, since some applicants will be offered a different rate to the advertised APR. Provided you’re happy to accept the offer, your new card will arrive within seven working days and your PIN will arrive within five working days.

Eligibility requirements

To be eligible for a Bank of Scotland credit card, you must:

  • Be at least 18 years old.
  • Be resident in the UK.
  • Have a regular income.
  • Not currently be declared bankrupt, have any County Court Judgements or be subject to an Individual Voluntary Agreement.
  • Not have already applied for a card with Bank of Scotland and been declined in the previous 30 days.

Why might you not be approved?

If you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. If you are in an IVA, have had a CCJ or are currently bankrupt, you will not be accepted for a card.

Frequently asked questions

The NatWest Balance Transfer Credit Card (existing customers)
The NatWest Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

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).

M&S Bank Shopping Plus Mastercard
M&S Bank Shopping Plus Mastercard

Balance transfers:

0% for 20 months reverting to 19.9%

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).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

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).

The Royal Bank Balance Transfer Credit Card (existing customers)
The Royal Bank Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

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).

*Disclaimer: The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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