• Home
  • > Credit Cards

Credit Cards

Let us lighten the load with not one but two credit card offers. 0% for 10 months on purchases and balances transferred now (3% fee applies)

Want an offer on balance transfers and purchases?

The Bank of Scotland All in One Credit Card

  • 0% for 10 months on balances transferred in first 90 days (3% fee)
  • 0% for 10 months on purchases
  • To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit
  • Typical 15.9% APR  (variable)
Apply now for the Bank of Scotland All in One Credit Card Find out more about the Bank of Scotland All in One Credit Card

Purchases offer for current account customers

A Bank of Scotland qualifying Current Account customer exclusive

  • 0% for the first 12 months on purchases
  • 0% for 9 months on balances transferred in first 90 days (3% fee)

To keep your promotional rate you must pay at least the minimum
payment by the due date and stay within your credit limit

  • Typical 15.9% APR (variable)

To qualify for this exclusive offer you need one of the following:

  • A current account with us into which you pay £1,000 or more each month
  • An Ultimate Reward Current Account
Apply now Find out more

Balance transfer offer for current account customers

A Bank of Scotland qualifying Current Account customer exclusive on balance transfers

  • 0% for the first 15 months on balances transferred within the first 90 days (3% fee)
  • 0% for 3 months on purchases
  • To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit
  • Typical 16.9% APR (variable)

To qualify for this exclusive offer you need one of the following:

  • A current account with us into which you pay £1,000 or more each month
  • An Ultimate Reward Current Account
Apply now Find out more

Balance transfer offer for current account customers

A Bank of Scotland qualifying Current Account customer exclusive on balance transfers

  • 0% for the first 15 months on balances transferred within the first 90 days (3% fee)
  • 0% for 3 months on purchases
  • To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit
  • Typical 16.9% APR (variable)

To qualify for this exclusive offer you need one of the following:

  • A current account with us into which you pay £1,000 or more each month
  • An Ultimate Reward Current Account
Apply now for a Bank of Scotland Plus Credit Card Find out more about the Bank of Scotland Plus Credit Card

Our lowest available APR with no balance transfer fee

The Bank of Scotland Easy Rate Credit Card

  • One low rate on both balance transfers AND purchases - our lowest variable APR
  • No balance transfer fee
  • No interest on purchases if you pay your balance in full and on time
    each month
  • Typical 8.9% APR (variable)
Apply now for the Bank of Scotland Easy Rate Credit Card Find out more about the Bank of Scotland Easy Rate Credit Card

Student Credit Card - Want to take control of your finances?

The Bank of Scotland Student Credit Card

  • Flexible credit limit.
  • Free text alerts.
  • Typical 17.9% APR (variable)
Apply now for a Bank of Scotland Student Credit Card Find out more about the Bank of Scotland Student Credit Card

You must be a UK resident aged 18 or over to apply for a Bank of Scotland Credit Card. Credit available subject to status. Balances transferred from other Halifax or Bank of Scotland cards are not eligible for the 0% balance transfer offer.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk

Online Banking

Sign In

> Register

> Find out more

Save yourself hassle if your card is lost or stolen and make your online payments more secure with our Care & Protection.