Smile Classic Credit Card review November 2019

A cashback card for existing Smile or Co-operative Bank customers.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

0%

Balance transfer fee

19.9%

Representative APR

£0

Account fee

Up to £100

Intro cashback

Details

IssuerThe Co-operative Bank
NetworkVisa
Rep. APR19.9% p.a. (variable)
Annual/monthly fees£0
Loyalty schemeCashback
Cashback details0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Additional Rewards InfoCo-operative members can earn 100 membership points a year.
Purchases19.9%
Purchases interest-free period (days)56
Balance transfers19.9%

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

The Smile Classic Credit Card offers cashback on all spending with no annual fee. It’s not the biggest cashback percentage in the market, but if you use the card regularly, you’ll still make enough to treat yourself to dinner once a year or so. The cashback will be credited directly into your credit card account, so the whole process is totally hassle-free.

When it comes to financial features, this is a fairly standard credit card that can add some extra flexibility to your monthly budget. Provided you clear your balance in full each month you’ll be able to take advantage of up to 56 days of 0% interest on your purchases.

The interest rate is fairly average, but the good news is, if you qualify for the card, it’s exactly the one you’ll get. Unlike most credit card providers, that are only required to grant the advertised rate to 51% of their customers, smile guarantees it to all applicants that are approved.

Finally, if you’re a bit of a globetrotter, keep in mind that this is not the right card for your travels, because it will charge a 2.75% fee on all non-sterling transactions.

How does this card compare with other cashback cards?

Table: sorted by representative APR, promoted deals first
Updated November 21st, 2019
Name Product Annual/monthly fees Purchases Rep. APR Cashback details Representative example
£0
22.9%
22.9%
5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
£25 per annum
22.9%
28.2%
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
£0
18.9%
18.9%
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
£0
18.9%
18.9%
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
£0
19.9%
19.9%
0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
£3 per month
0% for 26 months reverting to 15.9%
21.7%
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
£0
22.9%
22.9%
0.25% after £1 of yearly spend. Cashback paid Monthly into Card Account. Cashback on purchases until 31.8.23. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
£0
34.95%
34.9%
0.5% on £1 to £20000 of yearly spend. Maximum of £100 cashback paid per year. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is £20000
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).
£15 per month
0% for 18 months reverting to 18.9%
49.8%
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).

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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0345 600 6000), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the smile Classic Credit Card Visa

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

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.

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