Compare Yorkshire Bank credit cards

Compare Yorkshire Bank credit cards

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Name	Product	Finder score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
Yorkshire Bank Business credit card Yorkshire Bank Business credit card		3.9 ★★★★★	16.9%	N/A	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).	Read review	Compare	loading Fetching your data...

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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

• How can I pay my bill?

  The main ways to pay your bill are by direct debit, debit card, internet banking, at your bank or by cheque.

• How can I manage my account?

  There are three ways that you can manage your account: through the Yorkshire Bank mobile app “B”, online and over the phone.

• How do I transfer a balance?

  If you are a new credit card customer, you can include the balance transfer details on your initial online application. You can also complete the balance transfer request form which you will receive with your application pack, if you did not include the details on your original application.

• Are there any fees with a balance transfer?

  Yes, if you are transferring a balance onto your credit card there will be a charge of a set percentage of the balance.

• How is interest calculated?

  Credit cards have different rates of interest for different types of borrowing, such as purchases, balance transfers and cash withdrawals. You can find details of specific interest rates in the card’s “summary box”. This is a standardised document that all card issuers are required to make available. When you apply for a credit card, the actual rates you are offered may differ from those advertised, but will be made clear to you in your offer.

  Interest is calculated as a percentage of the amount you borrow. The longer it takes you to pay off your balance, the more interest you will have to pay.