Compare Yorkshire Bank credit cards

Now part of Virgin Money, Yorkshire Bank no longer offers its own credit cards for new customers.

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Yorkshire Bank

Compare Yorkshire Bank credit cards

Table: sorted by representative APR, promoted deals first
1 - 1 of 1
Name Product Finder Score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Yorkshire Bank Business credit card
Year 1 - £0, Year 2 onwards - £28 per annum
22.4% APR (variable)
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).

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 is Yorkshire Bank?

Founded in Halifax, West Yorkshire in 1859, Yorkshire Bank now has more than 180 branches across the UK. Yorkshire Bank is on the Mastercard network so its cards are accepted in more than 35 million locations worldwide.

Along with Clydesdale Bank, it is now part of the Virgin Money credit card brand.

Types of credit card in Yorkshire Bank’s range

Yorkshire Bank offers two credit cards, designed to cater to a range of requirements.

  • Overseas spending cards If you travel frequently, you could take advantage of the 0% foreign transaction fee on purchases (excluding cash withdrawals) with Yorkshire Bank’s B Credit Card, as well as access to Mastercard’s Priceless Cities events and offers. It also offers Yorkshire Bank’s lowest ongoing interest rate. Learn more about cards designed for overseas spending.
  • O% on purchase cards Yorkshire Bank’s purchase card offers 0% interest for a specified period on purchases made using the Gold Mastercard. If you’re planning a significant expenditure on a new card, then comparing 0% purchase cards would be a smart place to start. With this card, Yorkshire Bank also offers 0% interest on balance transfers for a shorter period than for purchases, however you cannot transfer balances from other Clydesdale or Yorkshire Bank products.
    Learn more about 0% purchase cards.

What benefits can I get with a Yorkshire Bank credit card?

  • Online account management. Yorkshire Bank’s internet banking website lets you view your balance and recent transactions, search your statements and apply for new accounts.
  • App. The Yorkshire Bank app features fingerprint ID (if your phone has this functionality), allowing you to log in faster. You can use the app to create and manage payments, search transactions and opt out of printed statements.
  • Global usage. Yorkshire Bank uses the Mastercard network, meaning you can use your card in more than 35 million locations worldwide.
  • Security. Yorkshire Bank uses Mastercard SecureCode, a secure online shopping service which keeps your personal and bank details safe.
  • Priceless Cities. Access exciting experiences and offers in cities across the world using Yorkshire 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.

Applying for a Yorkshire Bank credit card

You can apply for a Yorkshire Bank credit card online in around 15 minutes. Simply fill out the online form providing your personal information such as name, address, bank details, income, outgoings and work status. You can also go into a Yorkshire Bank branch or apply over the phone.

Eligibility requirements

To be eligible for a Yorkshire Bank credit card, you must:

  • Reside in the UK
  • Be 18 or over
  • Not have applied for a Yorkshire Bank credit card in the last 60 days
  • Download the app to use the full range of features
  • Not be currently declared bankrupt, or have had county court judgements or decrees in the last three years

Why might you not be approved?

On the whole, if you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. Equally if you are in an IVA or have had a CCJ you may not be accepted. If you have ever declared bankruptcy you are also unlikely to receive a card.

Yorkshire Bank customer reviews

Yorkshire Bank has received poor reviews from customers, according to review aggregator TrustPilot. It currently had a rating of 1.4 out of 5, based on more than 448 reviews (updated March 2024). Many customers criticised the poor customer service and unresponsive app as reasons for their poor reviews.

Frequently asked questions

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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