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.

• 0% for 12 months on balance transfers (3% fee applies)
• 0% for 12 months on new purchases

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

For more detailed information please view the summary box (pdf)

Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Bank of Scotland or Halifax products.

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.

Plus...

you get the choice of five card colours.

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 12 months you will get 0% on balance transfers (a fee of 3% applies for each balance transfer). You will also get 0% for 12 months on purchases. Your personal APR for purchases will be either 17.9% APR (variable), 21.9% APR (variable) or 23.9% APR (variable). Your interest rate for balance transfers will be the same as for purchases.

51% of customers are offered our best rate of 17.9% APR representative (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.

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