Credit Card
Bank of Scotland All in One Card
- 0% for 9 months on balance transfers made in the first 90 days
- 0% for 9 months on new purchases
- A typical rate of 15.9% APR (variable)
- A handling fee of 3% applies for each balance transfer
- Master Card benefits package
- 59 days grace period
Related Cards
| Intro APR: | 0%* |
| Intro Period: | 9 months |
| APR: | 15.90% (variable)* |
| Annual Fee: | N/A* |
| Issuer: | Bank of Scotland Credit Cards |
| Card Network: | MasterCard® |
| Card Category: | Consumer (Regular) |
| Card Type: | - Co-Branded Card - Low Interest Card |
| Credit Needed: | Good* |
Bank of Scotland All in One Card is for consumers having good credit who want to partake in an intro period covering interest on purchases and balance transfers throughout a lengthy period as well as enjoy low interest rates and long grace periods.
A long term introductory APR period applies towards purchases, and balance transfers. No interest rates are charged during this period provided credit limit is no exceeded and repayments are made on time. Interest charged on purchase transactions after the intro period is quite low and highly competitive. Balance transfers from other Bank of Scotland or Halifax cards will not participate in the intro period. Card members who engage in balance transfers and cash advances at any point in time (including when the intro period is on) incur a 3% transaction fee. Payments in foreign currency attract a £10 processing fee and 2.95% foreign exchange commission.
There is no rewards program and card members do not pay an annual fee.
Members who are victims of online fraud incur no liability meaning there receive full reimbursement on the amount involved.
Card members enjoy free online account management through which they monitor spending, and card charges over previous months. A member wishing to apply for higher credit limits may do so through their card account. Online access is secure and well-protected. Bank of Scotland provides an array of credit card protection services to keep card members and their families safe from fraud and other occurrences.
When away from a computer, a round the clock customer service is always on hand to meet the needs of card members. Lost cards are easily reported and replaced using the customer service systems. Additional credit cards linked to a parent card are available to members who want to share with family and friends.
The Bank of Scotland All in One Card is a low interest card allowing maximum usage of credit with little worries over accumulating debt. It provides a range of standard benefits you should be happy with except when looking to cut down costs in specific purchase categories. This card comes on the MasterCard network.
We advise you read and understand the cards' terms and conditions before applying.
| Other Benefits: | - Online fraud protection - Card replacement if lost - Manage your card online - Around the clock service - Additional cards available - You can Protect your credit cards with our comprehensive cover plans |
| Comments: | To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Bank of Scotland or Halifax cards are not eligible for the 0% balance transfer offer. |
| Online Account Access: | Yes |
| Introductory APR: | 0%* |
| Applied Towards: | Purchases, Balance Transfer |
| Introductory Period: | 9 months* |
| APR on Purchases: | 15.90% (variable)* |
| Annual Fee: | N/A* |
| Grace Period: | 59 days* |
| Min Finance Charge: | 0.50% |
| Min Credit Line: | £500 |
| Late Payment Fee: | £12.00* |
| Over Limit Fee: | £12.00 |
| Balance Transfer: | Yes |
| Transfer Fee (%): | 3.00% |
| Minimum Fee: | £3.00 |
| APR Cash Advances: | 27.95% |
| Cash Advance Fee: | 3.00% |
| Minimum Fee: | £3.00 |
| Additional Fees | Foreign Exchange Commission: 2.95% Copy Statement Fee: £5.00 Statement Date Change Fee: £5.00 Processing any foreign currency payment: £10.00 Stopped Cheque Fee (Other than lost or stolen): £10.00 Returned Payment Fee: £12.00 |
| Apply Now |
You may also be interested in:
• e-Platinum Plus Green Shopping Credit Card
• Caxton Euro Currency Card
• Personalised Freedom Cash Card
† Information concerning the Bank of Scotland All in One Card is confirmed to be accurate before publication. We strive to keep this information updated but cannot guarantee its accuracy. Readers are strongly advised to go through appropriate terms and conditions attached to a product before submitting the application.
Featured Card
* * *
