The Bank of Scotland
Easy Rate Credit Card

If you're looking for a Credit Card with a low APR, then this could be the card for you. The Bank of Scotland Easy Rate Credit Card offers you our lowest available rate of typical 8.9% APR (variable) on both balance transfers and purchases

• A typical rate of 8.9% APR (variable) on balance transfers and
  purchases
• No balance transfer fee
• No interest on purchases if you pay your balance in full and on time
  each month
• No annual fee
• Choice of five card colours

Your personal APR for purchases and balance transfers will be either 8.9% APR (variable), 12.9% APR (variable) or 14.9% APR (variable).

Two thirds of our customers are offered our best rate of typical
8.9% APR (variable)

Take a few minutes to apply online for an instant decision (in most circumstances).

This card is not available from any of our high street branches.

The Bank of Scotland Easy Rate Credit Card offers the following extras:

• Cover against online fraud when purchasing on the Internet
• Card replacement if lost 
• No interest on purchases if you pay your balance in full and on time
  each month
• No annual fee 
• Manage your card online
• Around the clock service
• Accepted wherever you see the MasterCard sign in over 24 million
  locations worldwide
• Additional cards available
• Our typical rate is 8.9% APR (variable)

As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history.

Your personal APR for purchases will be either 8.9% APR (variable), 12.9% APR (variable) or 14.9% APR (variable).

Two thirds of customers are offered our best rate of typical 
8.9% APR (variable).

You can apply online - our application form will open in a new window, it will take about five minutes to complete. You'll need to have your credit card details to hand if you want to transfer balances online.

In most circumstances you'll get an instant decision. Our typical rate is 8.9% APR (variable).

If you would rather apply over the telephone, call us on 0800 328 5984 between 8am - 10pm Mon - Fri & 8am - 7pm Sat - Sun.

This card is not available in our high street branches.