Bank Of Scotland
Credit Cards Review

Compare Bank of Scotland Credit Cards Bank of Scotland credit cards – read our review and compare the features and benefits available from Bank of Scotland. We can help you to make an informed decision and find a card that suits you.

Bank of Scotland offer a variety of credit cards designed to help you organise your finances, with features across its range to suit your needs. Whether you're looking to get a great deal on purchases, or you want a good rate for transferring your existing balance via a 0% balance transfer credit card, Bank of Scotland credit cards can help.
As well as the standard fraud protection across all of it credit cards, Bank of Scotland also provide additional protection services offering you extra peace of mind.

All Bank of Scotland credit card customers are provided with an online banking service allowing them to manage their accounts at a time and place that suits them, with 24/7 instant access to several features, such as statements detailing recent transactions, and the ability to pay off balances.

Bank of Scotland All In One

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 3%
Purchase Rate: 0% p.a. for 12 months
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Bank of Scotland Plus Credit Card

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 months
Balance Transfer Fee: 3%
Purchase Rate: 0% p.a. for 3 months
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Bank of Scotland Exclusives card

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 13 months
Balance Transfer Fee: 3%
Purchase Rate: 0% p.a. for 13 months
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: Representative 17.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 17.95%
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Bank of Scotland News

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