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The Co-operative Bank Credit Cards

5 CARDS

The Co-operative Bank is known for its strong ethical values, ensuring that funds are not used for activities that conflict with its principles. It offers credit cards with competitive rates, including balance transfer options and low-interest purchases. The bank provides secure online and mobile banking, along with strong customer service, making it a trusted choice for socially-conscious consumers.

The Co-operative Bank

Smile Classic Credit Card

3.5

OUR RATING

Representative APR

19.9% APR (variable)

Purchases

19.90% (variable) p.a.

Balance Transfers

19.90% (variable) p.a. (0% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 19.90% (variable) p.a., most accepted customers get a rate of 19.9% APR (variable).

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3.5

OUR RATING

Quick Look

Smile is currently not accepting new applications. If you are interested in a Cashback credit card, check out the Best Cashback Credit Cards in the UK. Alternatively, take a free eligibility check to see what other credit card options are a match to you.

Issuer	The Co-operative Bank
Network	Visa
Primary Category	Cashback
Loyalty Scheme	Cashback
Incentive on opening	Smile is currently not accepting new applications. If you are interested in a Cashback credit card, check out the Best Cashback Credit Cards in the UK. Alternatively, take a free eligibility check to see what other credit card options are a match to you.
Cashback rate (if applicable)	0.25% cashback on your purchases. Cashback which relates to purchases in one statement period will be credited to your credit card account on your next statement date (rounded down to the nearest penny).
Account Fees	£0
Purchases	19.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	19.90% (variable) p.a. (0% fee)
Balance Transfer Fee (%)	0.00%
Cash Advances	27.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 200.00
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

The Co-operative Bank

Smile Gold Credit Card

3.4

OUR RATING

Representative APR

15.80% APR (variable)

Purchases

15.80% (variable) p.a.

Balance Transfers

15.80% (variable) p.a. (0% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 15.80% (variable) p.a., most accepted customers get a rate of 15.8% APR (variable).

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3.4

OUR RATING

Quick Look

Smile is currently not accepting new applications. If you are interested in a Purchases credit card, check out the Best Purchase Credit Cards in the UK. Alternatively, take a free eligibility check to see what other credit card options are a match to you.

Issuer	The Co-operative Bank
Network	Visa
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	Smile is currently not accepting new applications. If you are interested in a Purchases credit card, check out the Best Purchase Credit Cards in the UK. Alternatively, take a free eligibility check to see what other credit card options are a match to you.
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	15.80% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	15.80% (variable) p.a. (0% fee)
Balance Transfer Fee (%)	0.00%
Cash Advances	27.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 300.00
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

The Co-operative Bank

3 Year Fixed Rate

4.3

OUR RATING

Representative APR

8.9% APR representative fixed for 3 years then 18.2% APR (variable)

Purchases

8.90% (variable) p.a. for 3 years.

Balance Transfers

8.90% (variable) p.a. for 3 years (0% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 18.20% (variable) p.a., most accepted customers get a rate of 18.2% APR (variable).

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4.3

OUR RATING

Quick Look

The Co-operative Bank 3 Year Fixed Rate credit card offers a fixed interest rate of 8.9% APR on monthly repayments for the first three years, making it one of the lowest interest rate cards currently available. After the initial period, the APR increases to 18.2%. This card also features no fees on balance transfers, making it a suitable choice for individuals seeking both low interest rates and balance transfer options.

Issuer	The Co-operative Bank
Network	Visa
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	8.9% APR representative fixed for 3 years
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	8.90% (variable) p.a. for 3 years.
Purchases Interest Free Period	56 days
Balance Transfers	8.90% (variable) p.a. for 3 years (0% fee)
Balance Transfer Fee (%)	0.00%
Cash Advances	27.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 500.00
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

The Co-operative Bank

Balance Transfer

4.6

OUR RATING

Representative APR

20.6% APR (variable)

Purchases

0% for up to 4 months, then 20.60% (variable) p.a.

Balance Transfers

0% for 24 months, then 20.60% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 20.60% (variable) p.a., most accepted customers get a rate of 20.6% APR (variable).

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4.6

OUR RATING

Quick Look

The Co-operative Bank Balance Transfer credit card offers up to two years (24 months) of 0% interest on balance transfers. This card may be a suitable option for those looking to manage existing credit card debt over an extended interest free period.

Issuer	The Co-operative Bank
Network	Visa
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	Up to 24 months interest free on balance transfers
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 4 months, then 20.60% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 24 months, then 20.60% (variable) p.a. (3% fee)
Balance Transfer Fee (%)	3.00%
Cash Advances	27.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 500.00
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

The Co-operative Bank

Members Credit Card

3.6

OUR RATING

Representative APR

18.2% APR (variable)

Purchases

18.20% (variable) p.a.

Balance Transfers

18.20% (variable) p.a. (0% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 18.20% (variable) p.a., most accepted customers get a rate of 18.2% APR (variable).

Read Full Review

3.6

OUR RATING

Quick Look

The Co-operative Bank Members credit card is exclusively available to members and features no balance transfer fees. Membership requires a one off fee of £1, making it accessible for those interested in cashback rewards and cost-effective balance transfers.

Issuer	The Co-operative Bank
Network	Visa
Primary Category	Cashback
Loyalty Scheme	Dividends Cashback
Incentive on opening	This membership Cashback credit card ranges between 0.3% and 0.5% cashback. Become a Co-operative member for a one-off fee of £1.
Cashback rate (if applicable)	0.5% cashback when you spend in Co-op food stores. 0.3% cashback when you spend anywhere else the Visa symbol is displayed.
Account Fees	£0
Purchases	18.20% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	18.20% (variable) p.a. (0% fee)
Balance Transfer Fee (%)	0.00%
Cash Advances	27.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 500.00
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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