Compare Clydesdale Bank credit cards for April 2020

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

Updated April 7th, 2020

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
Clydesdale Bank Business Mastercard		16.9%	N/A	Year 1 - £0, Year 2 onwards - £28 per annum	22.4% (variable)	More Info	Receive discounts at participating retailers with the Mastercard Business Savings scheme.	Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £28 per annum, your representative rate is 22.4% APR (variable).	Compare	loading Fetching your data...

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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.

Eligibility requirements

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

• How do I make a balance transfer?

  If you are a new credit card customer you can include the balance transfer details on your initial online application. You can also call the bank’s customer service team to make a transfer once you have received your card.

• How do I increase my credit limit?

  If you would like to have access to more funds, you can call the customer service team who will decide whether you are eligible for a credit limit increase.

• Can I get a replacement card?

  For lost and stolen cards, a Clydesdale Bank advisor is on hand 24 hours a day, 7 days a week. They can cancel your card and arrange a fast replacement for you.

• I have a Clydesdale Mastercard credit card. How can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.