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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 offers a range of credit cards to suit different needs.
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:
Once you’re ready to apply, you’ll need to fill out the simple online application form. To do so you will need your:
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.
To be eligible for a Bank of Scotland credit card, you must:
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 has received generally poor reviews from customers, according to review site Trustpilot. It currently has a rating of 1.6 out of 5, based on more than 600 reviews (updated November 2023). Some credit card customers said they had issues with their card being blocked, and problems when trying to resolve issues.
Enjoy lengthy matched 0% introductory periods on both purchases and balance transfers with this versatile card.
Clear existing card debt faster with Bank of Scotland’s longest balance transfer deal.
Enjoy a low ongoing but variable rate on both purchases and balance transfers with Bank of Scotland.
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