This is our lowest rate card at 7.9% 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 3% fee will apply
All of our credit cards are variable and linked to Bank of England base rate.
This means that your standard interest rates will be made up of your personal rate plus base rate. If the Bank of England announces a Base Rate change, the change will take place on the last working day of the month in which the Base Rate change is announced and the interest rate on your credit card will change by the same amount. Base rate and/or your personal rate could change at any time as explained in your credit card terms and conditions.
If you do not wish to register for Internet Banking you can still apply for a credit card in one of our Branches.