Credit cards for existing smile current account customers

Guaranteed rates. And online banking without the faff. That’s exactly what you get with a smile credit card

classic credit card gold credit card

Classic Credit Card

Gold Credit Card

16.9% APR representative / variable on purchases and balance transfers for existing smile current account customers. 12.9% APR representative / variable on purchases and balance transfers for existing smile current account customers.
For people 18 and over, earning £10k+See full eligibility For people 18 and over, earning £10k+See full eligibility
0.25% cashback on your purchases. No cashback on purchases.
No annual fee. No annual fee.
We won't charge you interest on purchases if you pay your credit card balance in full and on time. We won't charge you interest on purchases if you pay your credit card balance in full and on time.
No nasty surprises. If your application's successful, you'll always get the exact rate advertised. No nasty surprises. If your application's successful, you'll always get the exact rate advertised.

To apply (as the main cardholder) you need to be:

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • 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).
  • Not had any County Court Judgments (CCJs) , entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

To apply (as the main cardholder) you need to be:

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • 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).
  • Not had any County Court Judgments (CCJs) , entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Tell me more Tell me more
gold credit card

Gold Credit Card

12.9% APR representative / variable on purchases and balance transfers for existing smile current account customers.
For people 18 and over, earning £10k+See full eligibility
No cashback on purchases.
No annual fee.
We won't charge you interest on purchases if you pay your credit card balance in full and on time.
No nasty surprises. If your application's successful, you'll always get the exact rate advertised.

To apply (as the main cardholder) you need to be:

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • 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).
  • Not had any County Court Judgments (CCJs) , entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Tell me more

Unanswered questions?

    Help for existing customers

    Lots of useful information about how to make repayments and keep your credit card safe.

    Get help and info man with binoculars