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Balance transfer

3-year fixed rate

Co-operative Members

Which credit card is right for you?

Apply for a credit card online

You can apply for one of our credit cards online today — just make sure you meet our eligibility criteria first. It should only take around 10 minutes; and if you’re in a hurry, you can start your application and come back to it at any time.

Balance transfer credit card

Pay back your existing credit card balances from one place.

0% interest on balance transfers for 24 months.
0% interest on purchases for 4 months.
3% balance transfer fee (minimum charge of £5).
No annual fee.

Representative example

20.6% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 20.6% per annum (variable).

Find out more about our balance transfer credit card and apply here

3-year fixed rate credit card

Manage your monthly payments at a fixed rate for 3 years.

8.9% interest per annum on purchases for 3 years.
8.9% interest per annum on balance transfers for 3 years.
No annual fee and no balance transfer fee.

Representative example

18.2% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.2% per annum (variable).

Find out more about our 3 year fixed rate credit card and apply here

Co-operative Members credit card

A credit card exclusively for Co-operative Members.

0.5% cashback when you spend in Co-op food stores.
0.3% cashback when you spend anywhere else the Visa symbol is displayed.
No annual fee and no balance transfer fee.

If you haven’t already, you can become a Co-operative Member for just £1. Please note, The Co-operative Membership is managed by The Co-op Group, not The Co-operative Bank.

Representative example

18.2% APR representative (variable). Based on assumed credit limit of £1200 and a purchase rate of 18.2% per annum (variable).

Find out more about our members credit card and apply here

Which credit card is right for you?

Purchases 0% per annum for the first 4 months*

Balance Transfers 0% per annum for the first 24 months* with a 3% fee (minimum charge of £5)

Interest rate on purchases and balance transfers after introductory offer period 20.6% per annum

Find out more and apply Find out more

Purchases Fixed at 8.9% per annum for the first 3 years*

Balance Transfers Fixed at 8.9% per annum for the first 3 years* with no fee

Interest rate on purchases and balance transfers after introductory offer period 18.2% per annum

Find out more and apply Find out more

Purchases 18.2% per annum with cashback on purchases

Balance Transfers 18.2% per annum with no fee

Interest rate on purchases and balance transfers after introductory offer period 18.2% per annum

Find out more and apply Find out more

No annual fee

*Terms and conditions apply.

Please note that only our 3-year fixed rate credit card and balance transfer credit card have introductory offer periods.

How we’re different from other banks

It’s our values and ethics that really sets us apart. And it always has been, since 1872.

With a unique customer-led Ethical Policy created in 1992, we give you a say in how your money is used and stand up for the causes that matter to you. Because unlike a lot of banks, we understand the power your money has in making a positive difference to the planet, its people, and our communities.

Our values and ethics