Compare The Co-operative Bank credit cards

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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

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Finder Score	Balance transfers	Purchases	Annual/monthly fees	Representative APR	Incentive
5.5Standard The Co-Operative Bank Business Charge Card (existing customers only)	5.5Standard	N/A	N/A (this 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).	Go to site More info Compare product selection Compare	loading
5.8Standard The Co-operative Bank 3 Year Fixed Rate Credit Card Existing Customers Only	5.8Standard	8.9% for months (0% fee)	8.9% for months	£0	18.2% APR (variable)	Representative example: Representative 18.2% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.2% p.a. (variable).	More info Compare product selection Compare	loading
6.6Standard The Co-operative Bank Members' Credit Card Existing Customers Only	6.6Standard	18.2%	18.2%	£0	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: Representative 18.2% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.2% p.a. (variable).	More info Compare product selection Compare	loading
8.6Great The Co-operative Bank Balance Transfer Credit Card Existing Customers Only	8.6Great	0% for 24 months (3% fee)	0% for 4 months	£0	20.6% APR (variable)	Representative example: Representative 20.6% APR variable. Based on assumed borrowing of £1,200. Rate of interest 20.6% p.a. (variable).	More info Compare product selection Compare	loading
Not yet rated The Co-operative Bank Business Credit Card	Not yet rated	N/A	17.11%	£24 per annum	21.8% APR (variable)	£1 per month contributed to the Customer Donation Fund for every month account is opened. Representative example: When you spend £1,200 at a purchase rate of 17.11% (variable) p.a. with a fee of £24 per annum, your representative rate is 21.8% APR (variable).	More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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 6pm on Mondays to Fridays, 9am to 5pm on Saturdays and Sundays.
• 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 “Excellent” rating of 4.5 out of 5, based on over 20,000 reviews (updated 31 August 2026).

Majority of the reviewers had a great experience with Co-operative bank and with the staff, while some customers reported issues with using their cards, including accounts being locked.

Overview of The Co-operative Bank credit cards

Frequently asked questions about Co-op credit cards

• What should I do before using my card abroad?

  If you’re travelling to countries outside the EU or Turkey and plan to use your card, call the Co-op’s helpline on 0345 600 6000 (call charges) before you travel. This will help reduce the number of security checks on your card.

• I have been offered an increased credit limit, but I am not sure whether it's right for me. Can I reject it?

  You can reject a credit limit increase or opt out of future increases by contacting the helpline.

• When does interest become due on any purchase I make on a Co-op credit card?

  You only start paying interest on purchases if the full balance isn’t paid off by your due date, which is 25 days after your monthly statement is issued.

• How do I pay off my Co-operative Bank credit card?

  You can do this using a variety of methods. You can through online banking, the mobile app, by phone or in a branch. To pay your bill via online banking, log into your account and select the account you want to use to pay your bill. Then, select ‘move money’ before following the on screen instructions to enter your payment details.

  To pay your bill via the app, log in and select view account. Then, select ‘make a payment or transfer’ and then ‘make a payment to my credit card’. Once you’ve done this, simply enter the payment details. You can reach The Co-operative Bank by phone on +44(0)3457 212 212.

Written by

Chris Lilly

Head of publishing

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Chris Lilly is Head of publishing at finder.com. 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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