Compare Clydesdale Bank credit cards for February 2020
Clydesdale Bank aims to cover a wide range of circumstances with just a small number of credit cards
Clydesdale Bank is part of independent banking group CYBG, which also owns Yorkshire Bank and recently purchased Virgin Money. Despite CYBG being the purchaser, Virgin Money will be the brand that will remain, while the Clydesdale Bank and Yorkshire Bank brands are retired.
At the time of writing Clydesdale Bank offers non-business customers a choice of two cards. Whether you’re looking to spread the cost of a large upcoming expenditure, transfer an existing balance to save on interest or avoid fees on overseas spending, a Clydesdale Bank credit card could be worth a closer look.
As part of the Mastercard network, Clydesdale Bank credit cards are accepted in more than 43 million locations worldwide. As a bonus, cardholders have access to exclusive entertainment and travel experiences through the Mastercard Priceless Cities programme.
Compare Clydesdale Bank credit cards
Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
What benefits can I get with Clydesdale Bank’s credit cards?
With the excellent deals available from Clydesdale there is no need to pay a high interest rate on your credit card balance. Clydesdale offers market-leading 0% interest promotions for card spend, and for transferring a balance from a different credit card company. A generous mix of card offers includes low rates for balance transfers and a card that offers a low rate for the lifetime of the card.
- Smart app.
The Clydesdale Bank app features fingerprint ID (if your phone has this functionality), allowing you to log in quickly and securely. You can use the app to create and manage payments, search transactions and opt out of printed statements.
- Global usage.
Clydesdale Bank uses the Mastercard network, meaning you can use your card in more than 35 million locations worldwide.
Security. Have peace of mind when shopping online with Mastercard SecureCode.
- Priceless Cities.
Access exciting experiences and offers in cities across the world using Clydesdale Bank’s Mastercard credit cards. This includes 2 for 1 tickets to top attractions, exclusive savings on everything from high fashion to boutique floristry and discounts on restaurants and hotels.
- Contactless payments.
All Clydesdale Bank credit cards are enabled for contactless payments of up to £30.
- Overseas spending.
If you travel frequently, you could benefit from the 0% foreign transaction fee on purchases (excluding cash withdrawals) of the B card. You can also enjoy access to Mastercard’s Priceless Cities events and offers. This card also, as of July 2019, offers an unusually low ongoing interest rate.
- 0% purchases and 0% balance transfers.
Clydesdale Bank’s Gold Mastercard offers interest-free periods on both existing credit card debt that you transfer to the card on opening, and upcoming purchases you make using the card. If you’re planning a big expenditure on a new card, then comparing 0% purchase cards is a smart place to start. Don’t forget that when the introductory 0% periods expire, any outstanding balance, or purchases from that point onwards, will accrue interest at a much less competitive rate.
Applying for a Clydesdale Bank credit card
You can apply for a Clydesdale Bank credit card online in around 15 minutes. You will need the following information to hand:
- The sort code and account number of your main bank account.
- Your annual salary before tax, and your monthly take-home pay.
- Details of your monthly outgoings such as your mortgage, rent and loan payments.
- Details of any other credit cards, store cards or overdraft balances and details of any amounts that you want to transfer.
To be eligible for a Clydesdale Bank credit card, you must:
- Be at least 18 years old.
- Be resident in the UK.
- Not be an existing Clydesdale Bank or Yorkshire Bank credit card customer.
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
Find the right card for you
Read more on this topic
TSB Advance Mastercard review 2020 TSB's entry into the low-APR credit card fray has one major catch: no ongoing interest-free grace period.
Find credit cards you can get approved for – with no effect on your credit score Let Finder check your chances of getting approved for a range of popular UK credit cards.
Compare Amazon credit cards for February 2020 See how Amazon credit cards compare and how you can earn Amazon rewards points today.
What to do if you’ve received a "persistent debt" letter or your card has been suspended If you have a credit card, persistent debt can have serious consequences for your finances. Here's what it means and how you can fix it.
Virgin Money Month Purchases Credit Card review 2020 Spread the cost of an upcoming expenditure without paying a penny in interest with this 0% deal from Virgin Money.
Billhop review Earn more reward points and get more time to pay your bills with Billhop, a service that lets you pay by credit card even when you (theoretically) can't.
Black credit cards Black credit cards are the cream of the credit card crop. See how they work and if you're eligible to get one.
American Express withdraws two credit cards from the market You can't apply for the Amex Rewards Purchases or for the Amex Rewards Low Rate credit cards anymore but there are alternatives.
Methodology for rating credit cards Get all the details on how we rate the credit cards we review. We look at costs, fees, features and how well a card performs compared to the rest of the market.
Does Aldi accept credit cards? See which credit cards you can use when shopping at Aldi, as well as your other payment options.