Co-operative Bank credit cards

The Co-operative Bank promotes ethical values throughout its business and supports the needs of local communities.  It offers a range of financial products including savings accounts, loans, current accounts and insurance. It also offers a range of credit cards which come with various benefits to reflect the different needs of its customers, for example low rate cards, cashback cards and cards for the environmentally-aware.

Compare Co-operative Bank credit cards - Sorted by APR

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
Your chances are good
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.

Guide to Co-op credit cards

Co-op offers a range of credit cards, including fixed rate cards and cards which provide cashback on all your purchases. It also offers cards which you can only apply for if you are a Co-op member.

Becoming a member entitles you to earn points when you shop at the Co-op, with the value of these points linked to the profit the business makes, When you join, £1 is deducted from your first share of the profits. It is returned or donated to a community fund if you decide to cancel your membership

Having a fixed rate card could give you peace of mind that your rate won’t suddenly increase, but bear in mind that the rate will rise and become variable once the fixed rate period ends. 

Co-ops’ fixed rate cards don’t have an annual fee and if your application is successful, you will get the advertised rate. By law, credit card providers only have to offer the advertised rate to at least 51% of customers, but with these cards, the rate you see is the rate you’ll get.

Co-op credit cards are fully regulated by the city regulator 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.


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