Compare Bank of Scotland credit cards for 2026

Scotland’s oldest bank, Bank of Scotland, offers a range of credit cards incorporating 0% deals on balance transfers, purchases or both. Rates starting from 12.9% to 24.9%.

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Bank of Scotland

Bank of Scotland’s range

Table: sorted by representative APR, promoted deals first
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Finder Score Purchases Balance transfers Annual/monthly fees Representative APR Key benefit Representative example
Bank of Scotland Advance Credit Card image
Not yet rated
Bank of Scotland Advance Credit Card
Existing Customers Only
Not yet rated
29.94%
29.94%
£0
29.9% APR (variable)
Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.94% p.a. (variable).
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Bank of Scotland Credit Card image
5.9Standard
Bank of Scotland Credit Card
5.9Standard
12.9%
12.9% for months
(0% fee)
£0
12.9% APR (variable)
Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.9% p.a. (variable).
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Bank of Scotland Longest 0% Balance Transfer Credit Card image
9.1Excellent
Bank of Scotland Longest 0% Balance Transfer Credit Card
9.1Excellent
0% for 6 months
0% for 29 months
(3.49% fee)
£0
24.9% APR (variable)
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.94% p.a. (variable).
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Bank of Scotland 0% Purchase and Balance Transfer Credit Card image
8.6Great
Bank of Scotland 0% Purchase and Balance Transfer Credit Card
8.6Great
0% for 17 months
0% for 17 months
(3.49% fee)
£0
24.9% APR (variable)
Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.94% p.a. (variable).
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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.

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What is Bank of Scotland?

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.

Types of credit cards offered by Bank of Scotland

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

  • Balance transfer cards. 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 cards. 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 cards. 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 £45.
  • 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.

What do customers say about Bank of Scotland?

80% of customers we surveyed in 2026 would recommend Bank of Scotland to a friend.

It provides a simple, secure, and reliable credit card that is particularly good for use abroad. Customers appreciate the smooth application process, the easy-to-manage app, and the excellent customer service, particularly when dealing with lost cards.

While it is generally viewed as a solid, dependable company offering interest-free periods, it is seen as a somewhat standard offering without standout perks.

AI-generated summary from the text of customer reviews on Finder.

Frequently asked questions

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 502 Finder guides across topics including:
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