Credit Cards

Looking for a new credit card?

Try our eligibility tool. It will show you how likely you are to be accepted for a Bank of Scotland credit card.

It won’t affect your credit score and you don’t have to apply for one afterwards if you don’t want to.

Compare our credit cards

Our guide to credit cards

How to apply for a credit card

Check your eligibility

Manage your Bank of Scotland credit card

If you’re already a Bank of Scotland credit card customer, all the help you need is in one place.

Activate your new card

Report your card lost or stolen

Get a second credit card

Ways to pay your credit card bill

Help for existing customers

Credit card help and guidance

A credit card can be very useful. The trick is learning how it works so you can use it wisely. Whether you’re thinking of applying for a Bank of Scotland credit card or you’re already a customer, our guides will help you find out more.

Learn about APR, interest rates and fees

Top tips for managing your card

All help and guidance

Will I be accepted?

See how likely you are to be accepted for a Bank of Scotland credit card. Your credit rating will not be affected and there is no obligation to apply for a credit card afterwards.

Check your eligibility

To help you find a suitable credit card, we just need to know:

We'll make some assumptions Close   We have made a number of assumptions in this calculation. You must: remain eligible for the promotional offer keep up with the above monthly repayments stay within your credit limit make at least your minimum monthly repayment on time. about your card usage to make a calculation

To help you find a suitable credit card, we just need to know:

We'll make some assumptions Close   We have made a number of assumptions in this calculation. You must: remain eligible for the promotional offer keep up with the above monthly repayments stay within your credit limit make at least your minimum monthly repayment on time. about your card usage to make a calculation

Please enter a higher amount

Please enter a lower amount

Please enter a value

Monthly repayment can't be more than the transferring balance

Bank of Scotland Platinum Balance Transfer Card
0% Purchase and Balance Transfer

20 Month Purchase and Balance Transfer

Your X balance transfer

Time to pay

X

Fee + Interest

X

Your X balance transfer

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Your X spend

Time to pay

X

Fee + Interest

X

Your X spend

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 20 months

on balance transfers made within 90 days of account opening

Balance transfer fee

3%

on balance transfers made within 90 days of account opening

Purchase rate offer

0% for 20 months

from account opening

Representative example

Most successful applicants will get:

a variable annual purchase rate of
19.95% p.a.
and a variable representative
19.9% APR
based on borrowing:
£1200 over 12 months

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

Bank of Scotland Platinum Balance Transfer Card
Low Fee 0% Balance Transfer

24 Month Balance Transfer

Your X balance transfer

Time to pay

X

Fee + Interest

X

Your X balance transfer

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Your X spend

Time to pay

X

Fee + Interest

X

Your X spend

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 24 months

on balance transfers made within 90 days of account opening

Balance transfer fee

1.5%

on balance transfers made within 90 days of account opening.

Purchase rate offer

0% for 12 months

from account opening

Representative example

Most successful applicants will get:

a variable annual purchase rate of
19.95% p.a.
and a variable representative
19.9% APR
based on borrowing:
£1200 over 12 months

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

Bank of Scotland Low Rate Credit Card
Low rate

The low-interest credit card that can be your perfect shopping partner

Your X balance transfer

Time to pay

X

Fee + Interest

X

Your X balance transfer

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Your X spend

Time to pay

X

Fee + Interest

X

Your X spend

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section
Balance transfer offer

N/A

Balance transfer fee

0%

on balance transfers made within 90 days of account opening

Purchase rate offer

N/A

Representative example

Most successful applicants will get:

a variable annual purchase rate of
9.95% p.a.
and a variable representative
9.9% APR
based on borrowing:
£1200 over 12 months

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

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

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.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.