We use cookies so you have the best possible experience on our website. If you would like to know more, please read our Cookie Policy.

Close

Good3.7(56 ratings)

Read all reviews
Reviewed by: artcraft

It is indeed very easy to receive a credit card from Bank of Scotland. There is no long process at all. But so...

Read more

Does Bank of Scotland provide your credit card?

Tell us what you think of them because it will help others.

Compare Bank of Scotland Credit Cards

This comparison includes all credit cards for this company.

sorted by:

Most popular

  • Most popular
  • Longest balance transfer period
  • Longest purchases period
  • Lowest representative APR
Bank of Scotland Platinum Balance Transfer Card (40 Mths)
Balance transfers
0% for 40 months with a 2.41% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
A 3% fee is applied to balance transfers but a refund reduces this to 2.41% within 90 days (T&Cs apply). Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 18.95% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (32 Mths)
Balance transfers
0% for 32 months with a 0.8% fee
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 18.95% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card
Balance transfers
0% for 20 months with no fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 18.95% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (24/24 Mths)
Balance transfers
0% for 24 months with a 2.5% fee
Purchases
0% for 24 months
Representative APR (variable)
18.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 18.95% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Low Rate Credit Card
Balance transfers
6.45% p.a. variable with no fee
Purchases
6.45% p.a. variable
Representative APR (variable)
6.4% APR
Transfer a balance within 90 days of opening an account to get the no fee deal; otherwise the fee will be 3%.
Representative Example: The standard interest rate on purchases is 6.45% p.a. (variable), so if you borrow £1,200 the Representative APR will be 6.4% APR (variable).

Bank of Scotland credit card reviews

sorted by:

Most helpful

  • Most helpful
  • Latest
  • Highest rating
  • Lowest rating

Does Bank of Scotland provide your credit card?

Tell us what you think of them because it will help others.

13/11/14

Recommended

it's fast and easy to get a credit card from this bank

It is indeed very easy to receive a credit card from Bank of Scotland. There is no long process at all. But some rules are not easy to understand. For instance, I do not know why I am being charged £10 for missed payment of Direct Debit. Cards also look the same. Should be there bigger variety. They could have add option to add your own photo on the card.

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

13/11/14

Recommended

BOS Credit card

The card was interest free for a year however there are no added extras for having the credit card or any points like you can get with other credit card providers. I would recommend using the card for the interest free period and then moving to another.

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

21/07/13

Bank of Scotland Credit Cards

Not the best credit card, there are probably better credit cards out there but I'm too lazy to change it

3
Satisfactory
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

19/07/13

Bank of Scotland

I have held this card for many years and paid off the balance 2 years ago. I found it to be expensive so whilst my account is still open I do not use it.

It is available

Too expensive

2
Fair
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

04/07/13

Bank of Scotland Mastercard

Interest rate is moderate and until recently I was happy with the service, but I've been locked out of my internet banking and passed from pillar to post by the bank to try and get it sorted. Branch tells me to phone the call centre and vice versa.

3
Satisfactory
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does Bank of Scotland provide your credit card?

Tell us what you think of them because it will help others.