Bank of Scotland

Compare Bank of Scotland credit cards for December 2022

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

No reviews yet. Write a review

Bank of Scotland’s range

Table: sorted by representative APR, promoted deals first
1 - 3 of 3
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Bank of Scotland Platinum Low Rate Credit Card
(5% fee)
9.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.94% (variable) p.a., your representative rate is 9.9% APR (variable).
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard
0% for 17 months reverting to 21.94%
0% for 17 months
(2.99% fee)
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card
0% for 9 months reverting to 21.94%
0% for 22 months
(1.99% fee)
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).

Compare up to 4 providers

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 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 £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.

Bank of Scotland customer reviews

Bank of Scotland has received generally poor reviews from customers, according to review site Trustpilot. It currently has a rating of 1.9 out of 5, based on more than 280 reviews (updated 17 March 2021). Some credit card customers said they had issues with their card being blocked, and problems when trying to resolve issues.

Frequently asked questions

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.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site