Bank of Scotland Credit Cards

Compare our great range of credit card products, deals and offers - whether you’re looking to do a balance transfer, make every day purchases, or simply to build up your credit history.

Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Bank of Scotland products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.

Credit cards Representative example

Bank of Scotland Credit Card0% Purchase and Balance Transfer

20 Month Purchase and Balance Transfer

  • 0% for the first 20 months from account opening on balance transfers made in the first 90 days.
  • 0% for up to 20 months from account opening on purchases.
  • 3% fee on balance transfers applies.

You may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive the representative rate of 19.9% APR (variable).

 

Minimum £100 balance transfer.

Representative
19.9% APR
(variable)
Find out more
Purchase rate
19.95% p.a.
(variable)
Based on borrowing
£1,200
over 12 months.
Credit limits and interest rates will vary based on your individual circumstances.

0% balance transfer fee offerNo Fee 0% Balance Transfer

  • 0% for up to 20 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • 0% fee on balances transferred within the first 90 days.

You may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive the representative rate of 19.9% APR (variable).

 

Minimum £100 balance transfer. 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days from when we open your account.

Representative
19.9% APR
(variable)
Find out more
Purchase rate
19.95% p.a.
(variable)
Based on borrowing
£1,200
over 12 months.
Credit limits and interest rates will vary based on your individual circumstances.

Bank of Scotland Credit Card Low Fee 0% Balance Transfer

  • 0% for up to 24 months from account opening on balance transfers within the first 90 days.
  • 0% for 12 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 1.5% on balances transferred within the first 90 days.1

You may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive the representative rate of 19.9% APR (variable).

 

1 Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 1.5% within 90 days, so the effective fee is 1.5%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

Representative
19.9% APR
(variable)

Find out more

Purchase rate
19.95% p.a.
(variable)
Based on borrowing
£1,200
over 12 months.
Credit limits and interest rates will vary based on your individual circumstances.

Image of a Credit CardLow Rate

  • A low representative rate of 6.4% APR (variable).
  • One simple rate for both balance transfers and purchases.
  • 0% fee on balance transfers within the first 90 days.

You may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive the representative rate of 6.4% APR (variable).

 

Minimum £100 balance transfer. 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days from when we open your account.

Representative
6.4% APR
(variable)
Find out more
Purchase rate
6.45% p.a.
(variable)
Based on borrowing
£1,200
over 12 months.
Credit limits and interest rates will vary based on your individual circumstances.

Image of a Credit Card Classic Credit Card

  • 0% for 18 months from account opening on balance transfers within the first 90 days.
  • 0% for 9 months from account opening on purchases.
  • 3% balance transfer fee applies
All successful applicants will receive the representative rate of 27.9% APR (variable).

 

Minimum £100 balance transfer.

Representative
27.9% APR
(variable)
Find out more
Purchase rate
27.95% p.a.
(variable)
Based on borrowing
£1,200
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.