Yorkshire Bank Gold Mastercard review June 2019

Yorkshire Bank Gold Mastercard
Yorkshire Bank Gold Mastercard

Enjoy 0% interest on purchases and balance transfers with this versatile card.

If you have existing card debt and you’re looking to reduce the amount of interest it attracts, a balance transfer deal could be a smart solution.

Yorkshire Bank’s B card offers an introductory 12 months’ 0% on balances that you transfer to your new card. It might not be the longest 0% deal on the market, but crucially, the interest rate that your transferred balance reverts to at the end of the 0% period is unusually low. It’s advisable to aim to clear your outstanding balance before the 0% period ends, but if there’s a chance you might not manage to, the revert rate is less punishing than many on the market.

There’s an introductory 0% deal on purchases too, so if you need to use the card for any major upcoming purchases, you can spread the cost without incurring interest (at least for the first 26 months).

Key details

IssuerYorkshire Bank
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 12 months reverting to 11.9%
Balance transfer fee3% (min. £3)
Purchases0% for 26 months reverting to 18.9%
Purchases interest-free periodUp to 59 days
Cash advances27.9%
Min. credit limit£500
Max credit limitNot specified
Additional cards available3
Annual/monthly fees£0
Balance transfer fee3% (min. £3)
Foreign usage charge (EU)2.95%
Foreign usage charge (rest of world)2.95%
Cash advance fee3% (min. £3)
Late payment fee£12
Duplicate statement fee£5
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
Minimum Age18
AvailabilityAvailable to new customers
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).
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Compare other cards with 0% purchase and balance transfer deals

Comparison ordered by representative APR with affiliated products shown first.
Updated June 24th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 20 months reverting to 19.9%
0% for 20 months reverting to 19.9%
£0
19.9% p.a. (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
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% for 12 months reverting to 15.9%
0% for 12 months reverting to 15.9%
£0
15.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
0% for 12 months reverting to 17.9%
0% for 12 months reverting to 17.9%
£0
17.9% p.a. (variable)
Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
0% for 26 months reverting to 18.9%
0% for 12 months reverting to 11.9%
£0
18.9% p.a. (variable)
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% for 26 months reverting to 18.9%
0% for 12 months reverting to 11.9%
£0
18.9% p.a. (variable)
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% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 27 months reverting to 19.9%
0% for 27 months reverting to 19.9%
£0
19.9% p.a. (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
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% for 12 months reverting to 19.94%
0% for 24 months reverting to 19.94%
£0
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 12 months reverting to 19.944%
0% for 12 months reverting to 21.814%
£0
19.9% p.a. (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).

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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 678 3320), 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 Yorkshire Bank Gold Mastercard

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.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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2 Responses

  1. Default Gravatar
    TerryFebruary 28, 2019

    I am a yorkshire bank visa card holder
    And I would like to no can I reduce the interest rate

    • Avatarfinder Customer Care
      johnbasanesMarch 1, 2019Staff

      Hi Terry,

      Thank you for reaching out to Finder.

      Since you are an existing customer of Yorkshire and the promotion shown on the page are for new users. You may want to check with Yorkshire directly on promotions available for existing users as well as having a reduced interest rate. Hope this helps!

      Cheers,
      Reggie

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