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classic credit card for smile current account customers


Smile Credit Card


To apply for this credit card you must be a smile current account holder, a UK resident, aged 18 years or over and have a gross annual income of £10,000 or more. Subject to status.

Are you new to smile?
  • 16.9% APR representative/variable if you have a smile current account
  • 0.25% cashback on purchases*
  • No annual fee
  • 56 days interest-free on purchases when you settle your balance in full and on time
  • Access to your recent transactions online

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.

Cashback details

Earn 0.25% cashback on every card purchase you make on your Smile classic credit card.
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.

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

Account benefits

Protected against identity thieves

If your card details are ever used by identity thieves, through no fault of your own, you won't be held liable for any loss

Welcomed at over 22 million outlets worldwide

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)


Can have a secondary card holder

You can request an additional card for someone you trust, should you want one to be issued

Receive the advertised rate, if accepted

If your application is accepted, you will receive the exact rate and offer advertised on this card, so no hidden surprises for you to worry about

Helping you decide: important information

Before you apply for an account, you need to be sure it's the right one for you. The following documents supply important product and legal information you need to make a decision.

^ Call Charges: Find out more

The Co-operative Bank reserves the right to decline any application or offer a credit card at a rate that differs from those advertised.
Credit facilities provided by The Co-operative Bank are subject to status and our lending policy.