Everyday spending credit cards

Using an everyday credit card for all your essential expenses and things you buy regularly could you help you manage your budget better.

How an everyday purchase credit card might work for you

Usually come with a low rate on purchases. 

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

Add your card to your smartphone and digital wallets for contactless shopping.

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.

See if you’re eligible with One Check

One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you which Bank of Scotland credit cards you’re eligible to apply for, plus the credit limit you could be offered. Using One Check won’t affect your credit score.

  • One simple form to complete in about five minutes.
  • One list of cards you’re likely to be approved for.
  • One Check helps you find the right credit card for you.
Check your eligibilityCheck your eligibility

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

Pay the easy way with contactless.

Better budgeting with spending all in one place.

Features you’d expect – as standard

See if you’re eligible with One Check

One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you which Bank of Scotland credit cards you’re eligible to apply for, plus the credit limit you could be offered. Using One Check won’t affect your credit score.

  • One simple form to complete in about five minutes.
  • One list of cards you’re likely to be approved for.
  • One Check helps you find the right credit card for you.
Check your eligibilityCheck your eligibility

Looking for a new credit card?

Want to transfer a balance, help manage your everyday spending, or spread the cost of a higher-value item or service?

Balance transfer credit cards

Large purchase credit cards

Manage your Bank of Scotland credit card

If you’re already a credit card customer with us, everything you need to look after your card is here.

Activate your new card

Report your card lost or stolen

Get a second credit card

Ways to pay

More help with your credit cardMore help with your credit card

Find out more about credit cards

A credit card can be very useful, as long as you know how to use it wisely. Whether you’ve not yet applied for a Bank of Scotland credit card or are already a customer, our helpful guides will help you find out what you need to know.

APR, interest rates and fees

Credit card top tips

More help and guidanceMore help and guidance

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.

Download the statement of responsibilities (PDF 60KB)

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.