Advance Credit Card

This is our lowest rate card at 9.9% APR. Our Advance Credit Card is your perfect shopping partner with an introductory offer of 0% on purchases for the first three months.

• 0% interest on purchases for the first three months 

  Purchases exclude cash advances, gambling transactions and payment protection premiums

  
• 0% interest for the first three months on balances transferred within 90 days 

  Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account. 3% balance transfer fee applies and interest is charged on this fee. If you don’t pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges.

   0% balance transfer fee applies in the first 90 days. After 90 days, a 5% fee will apply
• Representative 9.9% APR (variable)
• Can be used with Apple Pay and Google Pay
• Manage your credit card account online with our mobile app and Internet Banking

To remain eligible for promotional rates you must stay within your credit limit and make your payments on time each month.

As with all credit cards, there are fees and charges for certain transactions, such as using your card abroad, making a cash withdrawal  missing a payment or going over your credit limit.

For more information about these fees and the rates which will apply after your introductory period, please read our  simple guide.

Representative example

Representative 9.9%​ APR (variable)

Purchase rate 9.95% p.a. (variable)

Based on borrowing £1,200 over 12 months.

Credit limits and interest rates will vary based on your individual circumstances. Subject to status and lending criteria.

Borrowers must be 18+ and UK resident.