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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.

All our credit card deals

Credit cardsBalance transfer offerPurchase offerRepresentative exampleApply

Platinum Credit Card28 Month Balance Transfer Credit Card
0% for up to the first 28 months on balances transferred in the first 90 days.

Balance transfer fee refund - refunds part of a 3% fee so overall a 2.45% fee is payable.

sort order 4
0%
up to 28 months 3
3% fee

sort order 2
0%
6 months

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example £1,200 credit limit

apply now for a 28 Month Credit Card

Find out more

Platinum Credit Card24 Month Balance Transfer Credit Card
0% for up to the first 24 months on balances transferred in the first 90 days.

Balance transfer fee refund - refunds part of a 3% fee so overall a 1.5% fee is payable.

sort order 4
0%
up to 24 months 1
3% fee

sort order 2
0%
3 months

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example £1,200 credit limit

apply now for a Platinum Credit Card

Find out more

Platinum Credit Card15 Month Balance Transfer Credit Card 2
0% for the first 15 months on balances transferred in the first 90 days.

Balance transfer fee refund - refunds part of a 3% fee so overall a 0.70% fee is payable.

sort order 3
0%
15 months 
3% fee

sort order 3
0%
6 months

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example £1,200 credit limit

apply now for a 15 Month Credit Card

Find out more

Bank of Scotland Card13 Month Purchase Credit Card
0% offer for the first 13 months on purchases and balances transferred in the first 90 days.


Balance transfer fee refund - refunds part of a 3% fee so overall a 1% fee is payable.

sort order 2
0%
13 months
3% fee

sort order 4
0%
13 months

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example £1,200 credit limit

apply now for a Bank of Scotland Card

Find out more

Student Credit CardStudent Credit Card
Free text reminders and credit limits of up to £1,000.

sort order 1
NA

sort order 1
NA

Representative 19.9% APR (variable)
Purchase rate 19.95% pa (variable)
With an example £1,000 credit limit

apply now for a Student Credit Card

Find out more

1 24 Month Balance Transfer Credit Card: Most customers will be offered our best rate of 17.9% APR (variable) and 0% for the first 24 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 21 months with a rate of 21.9% APR (variable), or the first 18 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies).

2 15 Month Balance Transfer Credit Card: Most customers will be offered our best rate of 17.9% APR (variable). Other customers will receive rates of either 21.9% APR (variable) or 25.9% APR (variable).

3 28 Month Balance Transfer Credit Card: Most customers will be offered our best rate of 17.9% APR (variable) and 0% for the first 28 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 25 months with a rate of 21.9% APR (variable), or the first 22 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies).

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

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.

You must be a UK resident aged 18 or over to apply for a Bank of Scotland Credit Card. Credit available subject to status. Balance transfers can be made from most credit and some store cards, excluding other Bank of Scotland products.

The 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.

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