The Bank of Scotland
All in One Credit Card

If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. The All in One Credit Card offers a fantastic 0% for 9 months on purchases and on balances transferred within the first 90 days (3% balance transfer fee applies).

• 0% for 9 months on balance transfers made in the first 90 days
• 0% for 9 months on new purchases
• A typical rate of 15.9% APR (variable)
• A handling fee of 3% applies for each balance transfer

Take a few minutes to apply online (new window) for an instant decision (in most circumstances).

To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Bank of Scotland or Halifax cards are not eligible for the 0% balance transfer offer.

View the Bank of Scotland All in One Credit Card summary box (new window).

The All in One card offers the following Bank of Scotland extras:

• Cover against online fraud when purchasing on the Internet
• Card replacement if lost 
• No interest will be charged on purchases if every statement balance is paid in full by the payment date
• No annual fee 
• Manage your card online
• Around the clock service
• Accepted wherever you see the MasterCard sign in over 24 million locations worldwide
• Additional cards available
• You can Protect your credit cards with our comprehensive cover plans
• Our typical rate is 15.9% APR (variable)

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 made in the first 90 days (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 15.9% APR (variable), 19.9% APR (variable) or 21.9% APR (variable). Your interest rate for balance transfers will be the same as for purchases.

Two thirds of customers are offered our best rate of typical
15.9% APR (variable).

You can apply online - our application form will open in a new window, it will take about five minutes to complete.  You'll need to have your credit card details to hand if you want to transfer balances online.

In most circumstances you'll get an instant decision. Our typical rate is 15.9% APR  (variable). 

If you would rather apply over the telephone, call us on 0800 328 5984 between 8am - 10pm Mon - Fri & 8am - 7pm Sat - Sun.