The Co-operative Bank Smile Classic Credit Card
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).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
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.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| 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/Rewards (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 Fee | £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 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 10 |
| Returned Payment | £ 10 |
| Exceed Limit | £ 10 |
| Duplicate Statement | £ 2.5 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3.00% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.75% |
| Foreign Usage World | 2.75% |
Application Requirements
| Availability | Not accepting new applications |
|---|---|
| Minimum Income | £ 10,000 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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26.5% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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