Bank of Scotland Classic Credit Card

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Credit Needed
Fair Credit
  • 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
  • Representative APR (variable)
    27.9%
    APR
    Balance Transfer APR
    0% for 18 months
    Balance Transfer Fee
    3.00%
    Annual Fee
    £0
    Credit Needed
    Fair Credit

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)


Bank of Scotland Classic Credit Card

Bank of Scotland Classic credit card offers an instant online decision (in most circumstances), together with 0% on balance transfers for 18 months, as long as you stay within your credit limit and your monthly payments are on time. Other benefits include 0% on purchases for 9 months, online fraud protection and no annual fee.

Key features of this card

  • Representative 27.9% APR (variable)
  • 0% on balance transfers for 18 months on balances transferred within the first 90 days (3.00% fee applies)
  • Minimum £100 balance transfer
  • 0% on purchases for 9 months
  • Instant Decision (in most circumstances)
  • Online fraud protection when purchasing on the Internet
  • Card replacement service
  • No interest will be charged on purchases if every statement balance is paid in full by the payment date
  • No annual fee
  • Online account management

Acceptance criteria in addition to credit check

  • Must be aged 18 years or over
  • UK resident
  • Have a regular income
  • Not currently declared bankrupt, not have any CCJs, not be subject to an IVA