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The Bank of Scotland was formed in 1695, making it one of the oldest banks in the world.
Unlike the Bank of England, it’s always been a commercial bank – and more than 300 years later, it’s still helping people get access to credit.
The Bank of Scotland offers three different cards to customers, each designed to meet a different need:
The Bank of Scotland’s ‘Everyday’ credit card charges a relatively low ongoing interest rate on purchases and balance transfers. There’s no monthly or annual fee, but there’s no introductory 0% period either, so interest may apply if you don’t clear your balance in full.
The ‘All-rounder’ card offers an introductory 0% period on both purchases and balance transfers. It could suit you if you want to spread the cost of new spending while also moving existing card debt, although a balance transfer fee will apply.
The balance transfer card offers an introductory interest-free period on transferred debt, with a lower transfer fee than the ‘All-rounder’ card. It may be useful for consolidating existing balances, but its 0% purchase period is shorter.
With the Bank of Scotland, your card account will have features to help make managing your credit as easy as possible, including:
Manage your card and search your transactions through the Bank of Scotland mobile app. You can sign in securely using your fingerprint or Face ID and add your card to a compatible digital wallet.
Contact Bank of Scotland by phone or use its online support services if you need help managing your account. Support is also available through the mobile banking app.
Bank of Scotland supports Faster Payments, so most payments made towards your credit card should reach your account quickly. However, processing times can vary depending on how you pay.
Bank of Scotland credit cards use the MasterCard network. This means you can use them at millions of participating shops, websites and other locations in the UK and overseas.
Eligible cardholders may be able to access offers and experiences through Mastercard’s rewards programmes. The available benefits and participating retailers can change over time.
Security features help protect your card when you shop online or in person. You should contact Bank of Scotland as soon as possible if you notice a transaction you don’t recognise.
Each of the Bank of Scotland’s credit cards is designed to help people in different situations – so whether you’re looking to spread the cost of a big expense or you want to pay less on your existing credit card debt, there should be an option for you:
There are cards for everyday spending with a permanent low interest rate. It is a good idea to clear your balance in full each month to avoid paying interest and building up debt. Use the card well and you could start to see your credit score improve. But unlike some other cards on the market, the Bank of Scotland doesn’t offer any rewards points on purchases
If you already have credit card debt and you want to avoid paying interest Bank of Scotland offers balance transfer cards with long fixed periods at 0% interest – this can help you to clear your debt balance more quickly
If you have a big expense coming up and you want to spread the cost without having to pay interest, the Bank of Scotland has an ‘all-rounder’ card which could suit your needs. It has a long fixed interest-free period for balance transfers and purchases
Before you can apply for a Bank of Scotland credit card, it’s important to make sure you meet all the conditions. You won’t be accepted unless all the following are true:
You must be at least 18 years old before you can apply for a Bank of Scotland credit card.
You must live in the UK and usually need to have been a UK resident for at least the previous 12 months.
You’ll need a regular income and must provide information about your earnings and financial circumstances when you apply.
You must not currently be subject to bankruptcy proceedings, an Individual Voluntary Arrangement or a County Court Judgment.
*Meeting the criteria does not guarantee acceptance
When you apply, the Bank of Scotland will look at a range of different factors before accepting you for a card – but the most important is your credit score.
Your credit score is a number that measures how well you’ve handled credit in the past, so it’s very important for credit card providers. With a higher credit score, you’re much more likely to get approved. You should also be offered lower interest rates and a bigger credit limit.
If you don’t know your credit score, it’s easy to get all the information you need with MoneySuperMarket’s free credit score tool – plus, we’ll give you extra help and tips on building better credit.
Approval for a Bank of Scotland card is automated, so if you’re eligible, you should know if you’ve been accepted very quickly. There’s a slightly longer wait for your physical card – it’ll take around seven days to arrive in the post.
Comparing credit cards couldn’t be easier with MoneySuperMarket. Our eligibility checker tool will show you the cards you’re most likely to be approved for – so you can protect your credit score.
Answer a few simple questions about your financial circumstances and what you’re looking for from a credit card. Checking your eligibility won’t affect your credit score.
We’ll search credit card offers from across our panel and show you options that could suit your needs, along with your likelihood of being accepted.
Compare cards by their interest rates, fees, features and eligibility results. Once you’ve chosen a card, you can continue to the provider to apply.
No. You don’t usually need to have a Bank of Scotland current account to apply for one of its credit cards. However, you’ll still need to meet the card’s eligibility criteria and pass the provider’s credit and affordability checks.
Checking your eligibility through MoneySuperMarket uses a soft credit search, which won’t affect your credit score. If you continue with a full application, Bank of Scotland will normally carry out a hard credit check, which will appear on your credit report.
Some Bank of Scotland cards allow you to transfer debt from another credit card. You may receive an introductory 0% interest period, although a transfer fee and eligibility restrictions may apply. Check the card terms before applying.
Yes, you can use a Bank of Scotland credit card anywhere Mastercard is accepted. However, fees may apply when you make purchases or withdraw cash in a foreign currency, so check the card’s charges before travelling.
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit card deals and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
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Reviewed on 18 Aug 2026 by
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
