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Bank of Scotland Credit Cards

3 CARDS

Bank of Scotland offers a variety of credit cards with options including low-interest rates, rewards, and balance transfers. Their cards feature secure online management and provide easy access through mobile and online banking tools.

Bank of Scotland

Platinum Low Rate

4.4

OUR RATING

Representative APR

10.90% APR (variable)

Purchases

10.94% (variable) p.a.

Balance Transfers

10.94% (variable) p.a. (0% fee for 90 days)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 10.94% (variable) p.a., most accepted customers get a rate of 10.90% APR (variable).

Read Full Review

4.4

OUR RATING

Quick Look

The Bank of Scotland Platinum Low Rate credit card offers one of the lowest APRs on the market at 10.90% variable, making it ideal for minimizing interest costs. It also provides 0% balance transfer fees for transfers made within the first 90 days, increasing to 5% thereafter. This card is suitable for individuals looking to keep borrowing costs low while managing existing balances.

Issuer	Bank of Scotland
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	0% balance transfer fee if transfer is completed within the first 90 days.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	10.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	10.94% (variable) p.a. (0% fee for 90 days)
Balance Transfer Fee (%)	5.00%
Cash Advances	10.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Bank of Scotland

Platinum 0% Purchase & Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for 17 months reverting to 24.94% (variable) p.a.

Balance Transfers

0% for 17 months then 24.94% (variable) p.a. (2.99% fee for 3 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

4.0

OUR RATING

Quick Look

The Platinum 0% Purchase & Balance Transfer card is suitable for individuals looking for an extended 0% interest period on both purchases and balance transfers. It may help with spreading the cost of larger expenses or consolidating existing balances, provided the balance is repaid before the promotional period ends.

Issuer	Bank of Scotland
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	None
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for 17 months reverting to 24.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 17 months then 24.94% (variable) p.a. (2.99% fee for 3 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	24.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Bank of Scotland

Platinum Low Fee 0% Balance Transfer

4.1

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 6 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 22 months then 24.94% (variable) p.a. (1.99% fee for 3 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

4.1

OUR RATING

Quick Look

The Platinum Low Fee 0% Balance Transfer card offers up to 22 months of 0% interest on balance transfers, providing nearly two years to pay off existing debt. It also includes 6 months of 0% interest on purchases, making it a flexible option for managing both new and existing balances, provided repayments are made in full before the promotional periods end.

Issuer	Bank of Scotland
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	None
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 6 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 22 months then 24.94% (variable) p.a. (1.99% fee for 3 months)
Balance Transfer Fee (%)	5.00%
Cash Advances	24.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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