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
    Pre-Approval – Bank of Scotland current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    Cover against online fraud. A card replacement if lost
    But be aware that
    You cannot apply if you currently hold another Bank of Scotland credit card

    Representative Example:

    If you spend £1,200 at a puchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  2. Great for
    Longest combined card on the market
    Lowest balance transfer fee on a 28 month card
    But be aware that
    The APR is subject to status, so may vary

    Representative Example:

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

  3. Great for
    3.0% fee applies, but is reduced to 2.85% by a refund
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Bank of Scotland credit card
    You won’t be able to transfer a balance that’s already on a Bank of Scotland Credit Card

    Representative Example:

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

  4. Great for
    Managing your card online using Internet Banking and Mobile Banking
    But be aware that
    The APR you get is subject to status, so may vary

    Representative Example:

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

  5. Great for
    3% fee applies, but is reduced to 0.4% by a refund
    But be aware that
    The APR you get is subject to status, so may vary

    Representative Example:

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

  6. Great for
    Managing your card online using Internet Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Bank of Scotland card

    Representative Example:

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

    • Provider/Product name Student Credit Card

      Bank of Scotland

      Student Credit Card

    • Balance transfer 19.95% 3%fee
    • Purchases 19.95%
    • Rewards No rewards
    • Representative APR (variable) 19.9%APR
    • Your chance of approval

      Will you get this card?

      Start >>
    • Sorry, we have no link

      More details

    Great for
    Keeping on top of your finances with weekly text alerts
    But be aware that
    There are no introductory offers or 0% periods with this card

    Representative Example:

    If you spend £1,000 at a purchase interest rate of 19.95% (variable) your representative APR will be 19.9% (variable).

Guide to Bank of Scotland credit cards

Bank of Scotland credit cards cover customers against online fraud and have no annual fees. 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 also offers highly competitive balance transfer deals and interest rates.

Read more

Regulation

Bank of Scotland credit cards are fully regulated by the Financial Services Authority (FSA). Customers will also be protected under the 1974 Consumer Credit Act. This means that if the goods you buy with your Bank of Scotland credit card are lost, damaged or stolen, you have an equal claim for a refund against the card provider as you do the retailer. This is so long as the goods or services cost between £100 and £30,000.

The more recently-introduced Consumer Credit Directive will top up this protection to £60,260. In both cases you will be protected even if just the deposit is paid for using the card.

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 to 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’ve 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
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.

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, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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