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When you do a balance transfer, you effectively use one credit card to fully or partially pay off the other.

We may charge you a fee for doing a balance transfer.

Some credit cards pay cashback on purchases, effectively earning you a discount.

Cashback typically comes to you as a credit to your balance, paid monthly or annually.

The Co-operative Bank reserves the right to decline any application.

It’s important when applying for a credit card that you understand the terms and conditions of introductory offers.

0% interest per annum for 4 months on purchases from account opening.

This reverts to 18.0% interest per annum after 4 months.

Lending decisions are based on personal circumstances, so the rates we offer may vary between customers.

When we advertise our products, we use representative rates to show what the majority of customers may be offered.

0% interest per annum for 24 months on balance transfers.

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