Are you looking for a credit card that comes with competitive deals? Well, you have come to the right place.

Whether it’s your first time using a credit card, you’re in need of a change, or you just want to try out a new credit card, the Bank of Scotland Low Rate Credit Card can be the next step for you.

With low fees, unbeatable perks, and user-friendly features, this article will help you discover the fantastic benefits that come with the Bank of Scotland Credit Card.

Bank of Scotland Credit Card

Benefits and Features of a Bank of Scotland Low Rate Credit Card

Are you tired of the long queues in banks to make a transaction? Worry no more, because once you apply for online banking, you will be able to make all your transactions in the comfort of your home or anywhere you can access the mobile app.

You don’t have to go through the hustle and bustle of making payments. You’ll have 100% control over your finances, and you can make payments to your card in just a few minutes. It’s as easy as that. And what’s more, you can use your credit card in more than 43 million Mastercard® locations in the world.

If these perks weren’t enough to sell you on the Bank of Scotland Low Rate Credit Card, maybe this assurance will. The Bank of Scotland assures you that your credit card is safe from fraud and that your transactions are fully protected.

All of these amazing benefits are at your service. However, the real perk of this credit card is in the title. If approved for this card, you’ll have the opportunity for a 6.4% representative APR, variable based on your circumstances.

Eligibility and How to Apply for a Bank of Scotland Low Rate Credit Card

Applying for this credit card is pretty simple and straightforward, as long as you’re eligible. First, you must be at least 18 years old and a UK resident to apply for this credit card.

Once your application is accepted, you will be given a credit limit and also provided one or more promotional offers based on your current status.

For more information on the application process, head to the Bank of Scotland website and use their eligibility checker to confirm whether you qualify for this credit card.

Bank of Scotland Low Rate Credit Card Fees & Charges

It is always advisable to pay your monthly repayments on time so that you don’t lose out on promotional offers or damage your credit score.

As a reference, here is an outline of interest rates and fees that come with the Bank of Scotland Low Rate Credit Card.

  • 6.4% APR to 14.9% APR variable, based on your circumstances
  • 6.4% APR to 14.9% variable balance transfer interest rate, based on your circumstances
  • minimum £3 or 3% cash advance fee
  • 2.95% of the amount of the sterling transaction value for foreign, non-sterling transactions
  • £12 late payment fee
  • £0 annual fees
  • 9.95% on cash advances

For more information on costs and other factors to consider, visit the Bank of Scotland website. Bank of Scotland is located at Bank of Scotland, PO Box 23581, Edinburgh, EH1 1WH.


If you have been searching for a low rate credit that will help you save you more, get a hold of the Bank of Scotland Credit Card. You can start enjoying these amazing benefits today.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.