We are experiencing a high number of calls at the moment. So that we can support those in the most vulnerable situations please only call if it is urgent. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking.

Large purchase credit cards

If it’s time to buy a more expensive item, a large purchase credit card could help you spread the cost.

You could help make higher-value purchases more affordable with a large purchase credit card. Repay a manageable amount every month within the introductory offer period rather than paying upfront.

How a large purchase credit card might work for you

  • Usually comes with an introductory offer rate on purchases.
  • They can be an effective way of funding planned bigger items or projects.
  • Better protection on larger purchases than with a debit card.

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

Manage your payments to fit your finances. 

Introductory offer on purchases.

Features you’d expect – as standard

Online card management

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 24/7 (in most cases) 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.

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 spends or spread the cost of a big-ticket item?

Balance transfer credit cards

Everyday spending 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)

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.