Bank of Scotland credit cards

The Bank of Scotland supplies several credit cards to service different consumer needs, from its Platinum deals which offer 0% interest on purchases and balance transfers, to a basic credit card for students. However, you will not be able to make balance transfers from cards which are also provided by HBOS brands, so shop around thoroughly and find the next best alternative.

Compare Bank of Scotland credit cards - Sorted by APR

  1. Great for
    You 're eligible to apply for this card, even if you already have another Bank of Scotland card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    There is no balance transfer fee for the first 90 days. After that it goes up to 3%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 6.45% p.a. (variable) your representative rate will be 6.4% APR (variable).

  2. Great for
    The balance transfer fee is 0.8% for the first 90 days. After that it goes up to 3%
    You're eligible to apply for this card, even if you already have another Bank of Scotland card
    But be aware that
    At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
    You must transfer a balance within the first 90 days to get the promotional offer
    You can't transfer a balance from another card issued by Bank of Scotland

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Great for
    You 're eligible to apply for this card, even if you already have another Bank of Scotland card
    You’ll have to pay a 3% fee to transfer a balance to this card. If you do it in the first 90 days, Bank of Scotland will refund 1.06%, so the overall fee is 1.94%
    But be aware that
    At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
    You must transfer a balance within the first 90 days to get the promotional offer
    You can't transfer a balance from another card issued by Bank of Scotland

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  4. Great for
    The balance transfer fee is 2.5% for the first 90 days. After that it goes up to 3%
    You're eligible to apply for this card, even if you already have another Bank of Scotland card
    But be aware that
    At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
    You must transfer a balance within the first 90 days to get the promotional offer
    You can't transfer a balance from another card issued by Bank of Scotland

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Great for
    If you transfer a balance within the first 90 days, you won't have to pay a fee
    You 're eligible to apply for this card, even if you already have another Bank of Scotland card
    But be aware that
    At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
    There is no balance transfer fee for the first 90 days. After that it goes up to 3%
    You can't transfer a balance from another card issued by Bank of Scotland

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Great for
    Pay no interest for 18 months on balances transferred in the first 90 days
    But be aware that
    You might get a different interest rate and promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 90 days to get the promotional offer
    You can't transfer a balance from another card issued by Bank of Scotland

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 27.95% p.a. (variable) your representative rate will be 27.9% APR (variable).

Guide to Bank of Scotland credit cards

Bank of Scotland offers a range of credit cards including balance transfer deals as well as cards to make every day purchases. 

The cards cover customers against online fraud and have no annual fees. The amount you can borrow will depend on your individual circumstances. Additional ‘authorised users’ can be added to each account and the bank offers around the clock customer service for its credit card customers.

Bank of Scotland credit cards are fully regulated by the Financial Conduct Authority (FCA).

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

 

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

Close

Cookie use

We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our 

Cookie Policy .

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less

Close