The Scottish SPCA Credit Card

Making a difference couldn’t be easier with the Scottish SPCA Credit Card.  We will donate to the Scottish SPCA every time you spend on your card*, at no extra cost to you.

• We make a £5* donation when you first make a purchase on your card
• We donate 0.25% of every purchase you make*  
• 0% on balance transfers for the first 6 months (3% fee applies)
• 0% on purchases for the first 6 months
• Typical 16.9% APR (variable) 

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 our Scottish SPCA Charity Card summary box (new window).

The Scottish SPCA credit card also offers these 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
• Around the clock service
• Accepted wherever you see the MasterCard sign – in over 24 million locations worldwide
• Additional cards available
• Protect your credit cards with our comprehensive cover plans
• Our typical rate is 16.9% 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 six months you will get 0% for purchases and balance transfers (a fee of 3% applies for each balance transfer). Your personal APR for purchases will be either 16.9% APR (variable), 18.9% APR (variable), or 19.9% 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
16.9% 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 16.9% APR (variable)

If you would rather apply over the telephone, call us on 0800 032 3402 between 8am - 10pm Mon - Fri & 8am - 7pm Sat - Sun and quote "SSPCA"