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Classic credit cards for existing customers

With a smile classic card you'll get 0.25% cashback on purchases*. You'd be surprised how quickly you can clock up your smile cashback.

representative example

The advance of credit of £1,200 at an interest rate of 16.9% variable per annum will result in a rate of 16.9% APR representative/variable.


You must:

  • be a smile current account holder
  • be a UK resident
  • be aged 18 years or over
  • have a gross annual income of £10,000 or more
  • 0.25% cashback on purchases*
  • a preferential rate of 16.9% APR representative/variable if you have a smile current account
  • no annual fee – ever
  • up to 56 days interest free on purchases if you settle your balance in full by the due date.

For help with budgeting, understanding credit and managing your credit card visit Visa Europe's Better Money Skills website.
The Money Advice Service tools can help you with budgeting, borrowing and planning for the future: Try their Financial Healthcheck or Debt Test.

With a smile classic credit card, not only do you get a great interest rate but you'll also earn cashback on all your purchases.

You'd be surprised how quickly you can clock up your smile cashback if you put your mind to it. By making everyday purchases on your credit card instead of paying cash or using your debit card, you'll soon see the cashback mount up - money for old rope really.

The cashback is paid one month in arrears, it's headed up "smile cashback" on your statement and is automatically deducted from your balance - so your bill is reduced.

Note: smile cashback is earned on all classic card purchases. It doesn't cover cash withdrawals, currency/traveller cheque purchases and credit card balance transfers. Your smile cashback will appear as "adjustment TC280" on your credit card recent items.

  • it's easy to transfer outstanding balances online from other credit cards (not issued by smile or The Co-operative Bank)
  • a preferential rate of 16.9% APR representative/variable if you have a smile current account
  • online, real-time statements - you see transactions as soon as we do
  • you can request an additional card for someone you hold dear - and trust
  • safe shopping - if your smile card details are ever used fraudulently by someone else through no fault of your own, you will not be liable for any loss
  • your smile credit card is welcomed at over 22 million outlets worldwide and accepted by any Visa cash machine where you need to use your PIN number (see the Credit Card Tariff for charges)
  • 5% discount on a wide range of selected holidays with The Co-operative Travel when you pay in full with your smile credit card. To take advantage of this offer, visit your local branch of The Co-operative Travel or call 0845 313 0585^. Unfortunately we are unable to offer this discount on online bookings.++

Please note, we no longer offer credit card cheques.

++Individual operator terms and conditions apply for full details please call The Co-operative Travel or ask in Co-operative Travel branches. The 5% discount will be deducted from the final holiday price, which must be paid in full using a Co-operative Bank credit card and excludes travel insurance, ski packs, optional extras, car hire upgrades, air passenger duty, taxes, fuel surcharges, accommodation only, flight only and the tour operator’s fully inclusive car insurance and is available from selected tour operators only. The 5% discount cannot be used in conjunction with any other offer or promotion including membership discount and/or free gifts. Tour operators’ booking conditions must be read prior to booking. Deposit is payable at the time of booking. For bookings within 12 weeks of departure, the full payment will be collected.

*Please refer to section 18 of the Terms and Conditions document above

Credit facilities provided by The Co-operative Bank and are subject to status

The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP.  Registered in England and Wales No. 990937. smile is a trading name of The  Co-operative Bank  which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885) and holds an Interim Permission in respect of consumer credit activities and subscribes to the Lending Code and the Financial Ombudsman Service.