Applying for a second credit card

A second Bank of Scotland Credit Card could help give you the flexibility needed when making a large purchase, planning something special or reducing your costs.

Image of a credit card

For instance:
You’ve got a balance on one of our long 0% Balance Transfer cards but are now paying interest on your purchases. By taking out one of our other cards, you could keep this balance separate on your existing card, use your new card for purchases and pay no interest on your purchases for a while.

Representative example
18.9% APR
Purchase rate
18.95% p.a.
Based on borrowing
over 12 months
This example is for illustrative purposes and serves as a guide only. Your actual credit limit and rate will vary based on your individual circumstances and may differ from the example shown.

How to apply for a second credit card:

1. Check you're eligible to apply

Applying for a second Bank of Scotland Credit Card is subject to the following conditions:

  • You don’t already have a Classic or Student Credit Card with us.
  • You’re not applying within 60 days of having opened your first credit card with us.
  • You can only have a maximum of two credit cards with Bank of Scotland, and a maximum of five with the Lloyds Banking Group (which also includes Halifax and Lloyds Bank).
  • Your application is subject to a full credit check.

2. Apply online

Apply online for your second Bank of Scotland Credit Card. Excludes customers holding or applying for a Classic or Student card.

Apply now