Bank of Scotland Credit Cards

The Bank of Scotland has a wide range of cards on offer to cover every need. Whether you are looking for a great balance transfer card, a low interest period for purchases, or a consistently low interest rate, Bank of Scotland has a card for you. Choose from the list below and apply quickly and easily online.

 APPLY ONLINE

Credit Needed
Good
  • Up to 39 Months 0% Balance Transfers (1.60% Fee - Inital fee of 3.00% is applied, then 1.40% is refunded)
  • 0% purchase for 6 months
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Minimum £100 balance transfer
  • You must be a UK resident, aged 18 years, in receipt of a regular income, not currently declared bankrupt, have no CCJs and are not subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    39 Months
    Balance Transfer
    Fee
    1.6%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 32 Months on Balance Transfers (0.8% fee in the first 90 days - 3% fee thereafter)
  • 0% on purchases for 12 months from account opening
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • Minimum £100 balance transfer
  • APR dependent on circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    32 Months
    Balance Transfer
    Fee
    0.8%
    Purchases
    Intro
    0%
    12 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Fair
  • 0% for 18 months from account opening on balance transfers made within the first 90 days (3% balance transfer fee)
  • 0% for 9 months from account opening on purchases
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR dependent on circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, and not be subject to an IVA
  • Minimum £100 balance transfer
  • Balance Transfer
    Rate & Duration
    0%
    18 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    0%
    9 Months
    Annual Fee
    £0
    Representative APR (variable)
    27.9%
    APR

Representative Example: Representative 27.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 27.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 29 months on balance transfers (2.5% fee applies in the first 90 days, 3% thereafter)
  • 0% interest for the first 29 months on purchases
  • Manage your card online using Internet Banking and Mobile Banking
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be currently declared bankrupt, not have any CCJs and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    29 Months
    Balance Transfer
    Fee
    2.5%
    Purchases
    Intro
    0%
    29 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on Balance Transfers for 25 months with no balance transfer fee (for balances transferred within 90 days, 3% thereafter)
  • 0% interest for 3 months from account opening on purchases
  • Cover against fraud when shopping online
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, or be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    25 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • A representative rate of 6.4% APR (variable) on purchases and balances transferred
  • Worldwide use - accepted in over 36 million Mastercard locations worldwide
  • No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter
  • Apple Pay enabled payments
  • *Credit limits and interest rates will vary based on your individual circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be currently declared bankrupt, have any CCJs, or be subject to an IVA
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    6.4%
    APR

Representative Example: Representative 6.4% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 6.45% p.a. (variable)

Show More Results

Bank of Scotland

Established in 1695, Bank of Scotland credit is the oldest bank in Scotland. Still based in Edinburgh it became part of Lloyds Banking Group as part of their 2009 takeover of HBOS.Alongside Clydesdale Bank and The Royal Bank of Scotland, Bank of Scotland is one of three banks permitted to issue Scottish bank notes. It also supplies a range of personal finance and business banking products, including a number of nationally available UK credit cards.