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Compare Bank of Scotland credit cards for 2024
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 10.9% to 24.9%.
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Bank of Scotland’s range
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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:
- Current UK address details, and your previous address if you have moved in the past three years.
- Phone number and email address.
- Annual income (before tax).
- Main bank account number and sort code.
- 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 1.7 out of 5, based on more than 650 reviews (updated March 2024). Some credit card customers said they had issues with their card being blocked, and problems when trying to resolve issues.
Frequently asked questions
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