Typical features and benefits

Interest rate

Usually come with a low rate on purchases.

Protected purchases

Most credit card purchases (more than £100 and up to £30,000) are protected by Section 75 of the Consumer Credit Act.

Control your spending

Could be a useful way to keep control of your everyday spends, including food shopping, fuel and some bills.

    • Online card manangement. Register online to check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
    • Full fraud protection. You won’t be charged for transactions you didn’t authorise. You’ll need to let us know if you notice anything unusual, or if you lose your card.
    • Ways to pay. Make repayments through your bank, using your debit card, or set up a regular Direct Debit to take care of it automatically.
    • UK call centres. You can call us if you need to talk to us about something on your account.
    • Contactless cards. Make secure payments with your card wherever you see the contactless symbol. Or add your card to your phone, to make paying even quicker.
    • Paperless statements. Get your statements delivered online instead of through your letterbox.

Things to consider

  • Only borrow what you can afford to pay back each month.
  • Make sure the credit card limit suits your needs.
  • Try to pay back what you’ve spent in full each month, so you don’t have to pay interest on what you’ve borrowed.

Check if you're eligible

 

 

Already with Bank of Scotland

Scan the QR code to get the app.

You must be registered for online banking to apply in the app.

Once you're in, select Apply then Credit cards.

 

 
 

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.
 

Check your eligibility

Already with Bank of Scotland

You must be registered for online banking to apply in the app.

Once you're in, select Apply then Credit cards.

Get the app

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.
 

Check your eligibility

Already have a credit card with Bank of Scotland?

Visit the customer hub to find out about flexible ways to help manage your credit card.

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Help and guidance

Whether you’re new to credit cards or you’re an existing customer we are here to help.

Help and guidance

Eligibility checker

Check before you apply. Simply answer a few questions to see if you’re likely to be approved.

Start your credit card check

Borrowing options

When borrowing money, you need to make the right choice for you and your circumstances.

Borrowing options

Credit cards

Check eligibility, compare Bank of Scotland credit cards, manage your account, and get support online.

Explore credit cards

Credit cards

Check eligibility, compare Bank of Scotland credit cards, manage your account, and get support online.

Explore credit cards