The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

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

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.