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  4. Classic Credit Card

About this card

  • 20.9% interest per annum on purchases and balance transfers.
    • We charge 25.9% interest per annum on cash withdrawals.
  • 0.25% cashback on your purchases.
  • No annual fee and no balance transfer fee.
    • You can transfer up to 95% of your credit limit (minimum £100). However, you can’t transfer a balance from another smile or Co‑operative Bank credit card.
  • We won’t charge you interest on purchases if you pay your credit card balance in full and on time.
    • You will only pay interest on purchases if you haven’t paid off the full balance by the due date, which is 25 days after your statement date. You’ll be charged interest immediately for cash payments, cash-related payments or balance transfers.
  • Access to your recent transactions online and through the smile app.
  • Protection against fraud.
    • If your card details are stolen and it wasn’t your fault, we’ll aim to cover the costs and make things right.
  • Shop at over 22 million outlets worldwide.
    • Your Classic Credit Card is welcome at over 22 million outlets worldwide. You can also use it at any Visa cash machine.See our charges
  • Get the advertised rate (if accepted)
    • If your application is accepted, you’ll receive the exact rate and offer advertised — so there are no nasty surprises.

      If our rates do change, we’ll let you know.

Representative example

You can get an interest rate on card purchases of 20.9% per annum variable

with a rate of 20.9% APR representative / variable

providing you have a credit limit of £1200

Apply for our Classic Credit Card

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

  • 18 or over.
  • A UK resident.
  • Earning a gross annual income of at least £10,000.
  • 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.

Apply online

It only takes 10 minutes if you’ve got all your information to hand.

Please ensure you have read the pre-contractual information and terms and conditions before applying. Apply now
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Managing your credit card and repayments
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Credit limits
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Charges and fees

Important documents

Please read carefully.

pdf

Summary box

Download PDF (107KB)
pdf

Important information, pre-contract credit information and terms and conditions

Download PDF (433KB)
pdf

How we use your personal information

Download PDF (242KB)
pdf

Cashback terms

Download PDF (1.74MB)

Apply for our Classic Credit Card

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

  • 18 or over.
  • A UK resident.
  • Earning a gross annual income of at least £10,000.
  • 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.

Apply online

It only takes 10 minutes if you’ve got all your information to hand.

Please ensure you have read the pre-contractual information and terms and conditions before applying. Apply now
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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
    Classic Credit Card Classic Credit Card

    21 or over and earning more than £15k?

    You may be eligible to apply for our Gold Credit Card. Subject to status.

    Get 18.9% APR representative / variable

    View Gold Credit Card details