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Credit Cards

Whether you're looking for a credit card for everyday usage, to make a one-off large purchase or to do a balance transfer, you can compare our best credit card products, deals and offers to see if there's a card that's right for you.

 Compare our cards

If you are looking to borrow money it is important that you make the right choice for your circumstances. View your borrowing options.

We have a range of information available to help you, whether you have a Bank of Scotland credit card or if you're thinking of applying.

 Help & guidance


There are many options and services available to help you manage your credit card. Find out how to add additional card holders, transfer a balance to us, keep your account details up to date and much more.

 How to manage your card

 Balance transfers

Already have a Bank of Scotland Credit Card? You may be eligible to apply for a second card or to swap your existing card with us. This excludes customers holding or applying for a Classic or Student Card. Conditions apply.

 Apply for a second card

 Swap your card

Once you've received your new Bank of Scotland credit card, it's quick, easy and secure to set it up online. You'll need your new credit card to hand to be able to activate it.

 Activate your card

  • You must be aged 18 or over and a UK resident to apply for a Bank of Scotland credit card.
  • If successful, you’ll get a credit limit and any applicable promotional rates based on your current status.
  • To keep any applicable promotional rates, you must pay at least the minimum payment on time and stay within your agreed credit limit.
  • You can transfer balances to us from most credit and some store cards, excluding Bank of Scotland cards.
  • The minimum balance transfer amount is £100.

Choose from the list of cards below to jump to a quick overview for each card:

Our longest balance transfer offer
  • 0% for up to 41 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • 1.9% balance transfer fee after refund on balance transfers made within 90 days of account opening (3% initially charged).


Representative example:

Representative18.9% APR(variable). Purchase rate18.95% p.a.(variable). Based on borrowing£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances.


At least 51% of successful applicants will receive a variable representative rate of 18.9% APR. Or you may be offered a Classic Credit Card; the promotional period and rate of the offer will be based on your individual circumstances.

 Continue to card details

^ Back to list of cards

Low fee balance transfer offer
  • 0% for up to 32 months from account opening on balance transfers within the first 90 days.
  • 0% for 12 months from account opening on purchases.
  • 0.8% balance transfer fee on balance transfers made within 90 days of account opening (3% initially charged).
  • £20 cashback offer valid on accounts opened by 31st March 2017.


Representative example:

Representative18.9% APR(variable). Purchase rate18.95% p.a.(variable). Based on borrowing£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances.


At least 51% of successful applicants will receive a variable representative rate of 18.9% APR. Or you may be offered a Classic Credit Card; the promotional period and rate of the offer will be based on your individual circumstances.


You will be paid £20 cashback on

your first balance transfer made within the first 90 days of account opening.

 Continue to card details

^ Back to list of cards

A good all rounder
  • 0% for the first 24 months from account opening on balance transfers made in the first 90 days.
  • 0% for the first 24 months from account opening on purchases.
  • 2.5% fee on balance transfers within the first 90 days.


Representative example:

Representative18.9% APR(variable). Purchase rate18.95% p.a.(variable). Based on borrowing£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances.


At least 51% of successful applicants will receive a variable representative rate of 18.9% APR. Or you may be offered a Classic Credit Card; the promotional period and rate of the offer will be based on your individual circumstances.

 Continue to card details

^ Back to list of cards

0% balance transfer fee offer
  • 0% for up to 24 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.


Representative example:

Representative18.9% APR(variable). Purchase rate18.95% p.a.(variable). Based on borrowing£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances.


At least 51% of successful applicants will receive a variable representative rate of 18.9% APR. Or you may be offered a Classic Credit Card; the promotional period and rate of the offer will be based on your individual circumstances.

 Continue to card details

^ Back to list of cards

Low Rate Credit Card
  • 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.


Representative example:

Representative6.4% APR(variable). Purchase rate6.45% p.a.(variable). Based on borrowing£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances.


At least 51% of successful applicants will receive a variable representative rate of 6.4% APR. You may receive a different representative APR based on your individual circumstances.

 Continue to card details

^ Back to list of cards

Classic Credit Card

The Classic Card could be right for you if you have a good credit rating, but don't think you are eligible for our other Bank of Scotland credit cards.


  • 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% fee on balance transfers.


Representative example:

Representative27.9% APR(variable). Purchase rate27.95% p.a.(variable). Based on borrowing£1,200over 12 months. Credit limits and interest rates will vary based on your individual circumstances.


All successful applicants will receive a variable representative of 27.9% APR.

 Continue to card details

^ Back to list of cards

More and more customers are choosing the flexibility and convenience of our Mobile Banking app. It’s packed with smart features to make banking with us fast, convenient and more secure than ever. Find out more about managing your money with our Mobile Banking app.

You can use Apple Pay to make contactless payments using your Apple device. Device and card restrictions apply. Find out how to get started with Apple Pay.

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.

We subscribe to The Lending Code.


Category: Business card

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