Members' Credit Card Ex/C - The Co-operative Bank

Members' Credit Card Ex/C (VISA)

The Co-operative Bank
15.9 % AER
APR Representative
No information
about interest free balance transfers
  • Cashback
  • Rewards
    • Apply by:
Representative 15.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual.

This account may be appropriate for you if

  • Your income is at least £ 10,000 per month
  • You have a Prime credit rating
  • You want to borrow at least £ 500
  • You are older than 18
  • You are already an existing customer

Cashback

Cashback Scenarios:
Monthly SpendAnnual Cashback
£ 100£ 5
£ 250£ 12
£ 500£ 24
£ 1,000£ 48
£ 2,500£ 120
Standard Cashback Rate: 0.3 %
Enhanced Introductory Rate: Cashback reward available: 1p cashback for every £2 spent in The Co-operative Food stores. 1p cashback for every £3.33 qualifying spend elsewhere.

Introductory Offers

Balance Transfers Allowed: Yes
Max Balance Transfer Limit: N/A
Money Transfers Allowed: No

Overseas Use

Cost of £100 Transaction Worldwide: £ 2.75
Charges for £100 International Cash Withdrawal: £ 3
Interest Charged on Cash Withdrawals: 25.9 % AER
Airport Lounge Access: No
Overseas Insurance:
  • Travel Accident Insurance
  • Travel Medical Insurance
  • Travel Cancellation Coverage

Payment Options

Contactless Payments
Pay Bill With Direct Debit
Make Direct Debit Payments
Optional Cheque Book

Perks

Optional concierge service
Earn Charitable Donations
Free Warranty Cover
Refund Protection
Roadside Assistance
Home Emergency Cover
Emergency Funds
Emergency Card Replacement

Charges

Minimum Monthly Repayment: higher payment
Interest Free Period (transactions): 56 days
Interest Free Period (cash withdrawals): 0 days
Annual Interest Rate for Purchases: 15.9 % AER

Additional Charges

Late Payment Fee: £ 10
Inactivity Fee: None
Over Limit Fee: £ 10
Returned Payment Charge: £ 10
Copy Statement Charge: £ 3
Copy Voucher Charge: £ 0

Miscellaneous

Other Accounts Required:
  • Customer type: Must be an existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Additional account required: no
All Qualifying Applicants Offered Advertised Rate: Yes

Moneywise Best Buys

Credit Cards

ProductCashback*
American Express Platinum Cashback Everyday Card - American Express£ 98
Aqua Reward Credit Card - Aqua£ 30
TSB Platinum Purchase Card - TSB£ 60

* Cashback on a spending scenario of £500 per month

Customer ratings