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Bank of Scotland Credit Cards

Whether you are looking to make a balance transfer, or find a credit card to make everyday purchases, take a look at the great credit card deals below.

Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Bank of Scotland products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.

Credit cards

Representative example 

Platinum Credit Card28 Month Balance Transfer Credit Card

  • 0% for 28 months from account opening on balance transfers within the first 90 days.
  • 0% for 12 months from account opening on purchases.
  • 1.5% fee on balance transfers within the first 90 days.2

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).


2Minimum £100 balance transfer. 1.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

 

Representative
18.9% APR
(variable).

Purchase rate
18.95% p.a
(variable).

Based on borrowing
£1,200
over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

Find out more

 

33 Month Balance Transfer Credit Card33 Month Balance Transfer Credit Card

  • 0% for up to 33 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 0.15% on balances transferred within the first 90 days.¥

Please note, you may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

 


 

¥ Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.15% within 90 days, so the effective fee is 2.85%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 

Representative
18.9% APR
(variable).


Purchase rate
18.95% p.a
(variable).

Based on borrowing
£1,200
over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

Find out more about the 33 Month Balance Transfer Credit Card.

Platinum Credit Card18 month balance transfer credit card

  • 0% for 18 months from account opening on balance transfers within the first 90 days.
  • 0% for 16 months from account opening on purchases.
  • 2% fee on balance transfers within the first 90 days.#

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).


#Minimum £100 balance transfer. 2% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account. 

Representative
18.9% APR
(variable).

Purchase rate
18.95% p.a
(variable).

Based on borrowing
£1,200
over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

Find out more

 

Platinum Credit Card10 Month Balance Transfer Credit Card

  • 0% for 10 months from account opening on balance transfers within the first 90 days.
  • 0% for 10 months from account opening on purchases.
  • An initial 3% fee applies, we’ll then refund 2.6% on balances transferred within the first 90 days¥

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).


¥Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

Representative
18.9% APR
(variable).

Purchase rate
18.95% p.a
(variable).

Based on borrowing
£1,200
over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

Find out more

 

Bank of Scotland Card19 Month Purchase Credit Card
  • 0% for up to 19 months from account opening on purchases.
  • 0% for 6 months from account opening on balance transfers within the first 90 days.
  • A low 1% fee on balance transfers within the first 90 days.4

Please note, you may receive a shorter purchase introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).


4Minimum £100 balance transfer. 1% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative
18.9% APR
(variable).

Purchase rate
18.95% p.a
(variable).

Based on borrowing
£1,200
over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.
Find out more

Bank of Scotland Card13 Month Purchase Credit Card

  • 0% for 13 months from account opening on purchases.
  • 0% for 13 months from account opening on balance transfers within the first 90 days.
  • A low 1% fee on balance transfers within the first 90 days.5

At least 51% of successful applicants will receive a  representative rate of 17.9% APR (variable).


5Minimum £100 balance transfer. 1% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

 

Representative
17.9% APR
(variable).

Purchase rate
17.95% p.a
(variable).

Based on borrowing
£1,200
over 12 months.

Credit limits and interest rates will vary based on your individual circumstances.

Find out more

 

Student Credit CardStudent Credit Card

  • Credit limits up to £1,000 (subject to status).
  • Weekly balance updates via SMS text.
  • Payment due alerts via SMS text.

All successful applicants will receive a  representative rate of 19.9% APR (variable).

Representative
19.9% APR
(variable).

Purchase rate
19.95% p.a
(variable).

Based on borrowing
£1,000
over 12 months.

Credit limits will vary based on your individual circumstances.

Find out more

Help & guidance

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

 

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 by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.

We subscribe to The Lending Code.

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