Bank of Scotland Credit Cards

By: EconomyWatch   Date: 6 October 2010

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Bank of Scotland credit cards allow the user to enjoy great credit limits at compatible interest rates. Bankof Scotland offers a range of credit card products for varying buying capacities and needs.

Based in Edinburgh, the Bank of Scotland is a subsidiary of Lloyds Banking Group. It is one of the oldest surviving banks in the UK. Today, the bank offers comprehensive financial solutions for both individuals and business groups.

Bank of Scotland Credit Cards: Types

Some of the popular credit card products from the Bank of Scotland are:

Bank of Scotland All in One Credit Card: This credit card offers interest rate benefits on both balance transfers and purchases. The features of this card include:

  • Zero interest rate for nine months on balance transfers during the first 90 days.


  • Zero interest rate for nine months on purchases.


  • An average annual percentage rate (APR) of 15.9% (variable).

Bank of Scotland Plus Credit Card: With this credit card, the user can enjoy:

  • Zero interest rate for 12 months on balance transfers during the first 90 days.


  • Zero interest rate for three months on every purchase.


  • APR of 16.9%, which is variable in nature.

However, to enjoy the zero interest rate offers, the user has to remain within the credit limit.

Bank of Scotland Cashback Credit Card: This credit card allows the user to earn cashback rewards on everyday purchases, such as:

  • Earn one percent cashback on the purchase of grocery and fuel.


  • 0.5% cashback on the purchase of all other items.


  • APR of 15.9% (variable) is applicable on this card.

Bank of Scotland Student Credit Card: This card is especially designed to cater to the financial needs of the students. It allows them to control their finances and build credit history. It comes with a maximum credit limit of £500 and average APR of17.9% (variable).

Charity cards: The bank donates a set percentage on every purchase you make with charity cards. The Bank of Scotland hasassociations with Cancer Research UK and Scottish SPCA (animal welfare charity) for donations. Charity cards come with zero interest offer for a set period and 16.9% APR (variable).

The Bank of Scotland has also partnered with other business organizations to cater to personal credit needs of its customers. A typical APR of 17.9% is applicable on such cards.

‘Bank of Scotland’ is the registered trademark of Bank of Scotland plc, who can be found at www.bankofscotland.co.uk


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