Your APR Explained - Union Credit Card

As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history.

For the first 9 months you will get 0% on balance transfers (a fee of 3% applies for each balance transfer). You will also get 0% for 9 months on purchases. Your personal APR for purchases will be either 17.9% APR (variable), 19.9% APR (variable) or 21.9% APR (variable). Your interest rates for balance transfers will be the same as for purchases.

Two thirds of customers are offered our best rate of Typical 17.9% APR (variable).

Credit facilities avilable subject to status to UK residents aged 18 or over.

Bank of Scotland Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised and Regulated by the Financial Services Authority. We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk