Compare The Co-operative Bank credit cards

See if the Co-operative Bank's carefully-designed range of credit cards for balance transfers, purchases and rewards is right for you. Rates starting from 8.9% to 20.6%.

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The Co-operative Bank

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The Co-op Bank started out in 1872 as an offshoot of the world’s first co-operative, which was established in Rochdale, Lancashire. In 2009, the bank merged with the Britannia Building Society. The Co-op Bank operates on a set of ethical principles, and won’t invest in companies which operate in markets that it deems unethical.

It’s credit cards are issued on the Visa network, which means they can be used at more than 30 million merchants and ATMs worldwide.

Co-op credit cards

Table: sorted by representative APR, promoted deals first
1 - 5 of 5
Name Product Finder Score Finder score Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
The Co-Operative Bank Business Charge Card (existing customers only)
Not yet rated
Not yet rated
N/A (product is a charge card)
£0 for the first 6 months, then £2 per card per month

N/A (this product is a charge card).

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The Co-Operative Bank Business Credit Card (existing customers only)
Not yet rated
Not yet rated
21.8% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £24 per annum, your representative rate is 21.8% APR (variable).

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The Co-operative Bank 3 Year Fixed Rate Credit Card
Expert analysis
8.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 8.9% (variable) p.a., your representative rate is 8.9% APR (variable).
The Co-operative Bank Members' Credit Card Visa
Expert analysis
18.2% APR (variable)
1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.
Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).
The Co-operative Bank Balance Transfer Credit Card Visa
Expert analysis
0% for 24 months reverting to 20.6%
3% (minimum £5)
0% for 4 months reverting to 20.6%
20.6% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).

Approval for any credit card depends on your status. The representative APRs shown represent 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. Most of the data in Finder's comparison tables is provided by Moneyfacts.

What types of credit cards does The Co-op Bank offer?

  • 0% balance transfer cards.

    If you have existing credit card debt, that needn’t stop you from switching. In fact, if you’re being charged interest on the outstanding debt, you might want to look at a 0% on balance transfers credit card, which allows users to transfer a balance to a new card, and enjoy an interest rate of 0% on it for a specified period. Aim to clear the balance before the 0% period expires, otherwise a significantly higher rate will kick in.
    Learn more about 0% balance transfer cards

  • All-round low-rate cards.

    “All-round” or “balanced” credit cards are built for a variety of purposes, rather than just one. If you have multiple reasons for seeking out a new card – perhaps wanting to transfer an existing credit card debt but also expecting to make purchases on the new card, then an “all-rounder” could be the card for you. Normally these cards come with a 0% period on both balance transfers and purchases, after which both will revert to a higher rate.
    Learn more about low rate cards

  • Rewards credit cards

    Depending on the particular card, with a rewards card you’ll be able to earn loyalty points, cashback or air miles while you spend. Before you apply for a rewards card, check out the earn rate (rewards per pound spent) and weigh it up against any fees plus interest that you’re going to be charged to see if it’s worthwhile. The Co-operative Bank’s rewards card lets you earn cashback each time you use the card. When you shop at Co-op stores, you’ll benefit from cashback at an even higher rate, so if that’s where you do your weekly shop, and you’re registered as a Co-operative member, this card is certainly worth a closer look.
    Learn more about rewards cards

What benefits can I expect from a Co-op Bank credit card?

  • It’s accepted widely. Co-op Bank credit cards are welcome at over 30 million shops, restaurants, garages and other outlets in most countries throughout the world – wherever you see the Visa symbol.
  • Customer services phoneline staffed seven days a week. You can contact Co-op Bank to carry out a range of transactions or make changes to the details on your credit card account between 8am and 8pm, 7 days a week, 365 days a year.
  • Additional card holders. You can nominate an additional card holder using your usual online account-handling system, provided they are over 18 years old and a UK resident. For rewards cards, this is a real plus, as you’ll earn rewards not just on your own spending, but on theirs too.
  • Fraud text alerts. A text-only phone number will send an SMS to your mobile if the card issuer notices any activity on your card which it thinks might be suspicious.

Applying for a Co-op Bank credit card

It’s quick, easy and secure to apply for a Co-op Bank credit card online, and the process takes about 15 minutes.

Eligibility requirements

To qualify for a Co-op Bank credit card, you need to be:

  • Aged 18 or over.
  • A UK resident.
  • Earning a minimum of £10,000 a year before deductions.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Without any county court judgements (CCJs), not have entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than two payments on any credit agreement in the last six months.
  • Employed full-time, part-time, self-employed or retired.
  • You should ensure that you can meet the monthly repayments, as missed payments incur a charge and could have severe consequences on your ability to obtain future credit.

Why might your application not be approved?

If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. Also, if you have been made the subject of a CCJ you may not be accepted, and you are unlikely to be given a card if you have ever declared bankruptcy.

Co-op Bank customer reviews

The Co-operative Bank has received poor reviews from customers, according to review platform Trustpilot. It currently has a “Great” rating of 3.9 out of 5, based on over 5,538 reviews (updated 4 September 2023). Some customers reported issues with using their cards, including accounts being locked.

Overview of The Co-operative Bank credit cards

Representative APR From 8.9% to 20.6%
0% balance transfer offer Up to 24 months
0% purchases offer Up to 4 months
0% money transfer offer No money transfer offer available
Cashback with brand Up to 0.5%
Cashback elsewhere Up to 0.3%
Cash advance From 27.9%
Introductory bonus offer No introductory bonus offers available

Frequently asked questions about Co-op credit cards

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Chris Lilly is Head of publishing at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 611 Finder guides across topics including:
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