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Gold credit cards for existing customers

If you are 21 or over and earn £21k or more, and have a smile current account, you could have a smile gold card.

representative example

The advance of credit of £1,200 at an interest rate of 12.9% variable per annum will result in a rate of 12.9% APR representative/variable.


You must:

  • be a smile current account holder
  • be a UK resident
  • be aged 21 years or over
  • have a gross annual income of £21,000 or more
  • access to your recent transactions online
  • a preferential rate of 12.9% 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.

If you’ve got a balance elsewhere that you’re looking to transfer or you simply want a low standard rate then our gold card could be just what you’re after.

For help with budgeting, understanding credit and managing your credit card visit Visa Europe's Better Money Skills website.

  • it’s easy to transfer outstanding balances online from other credit cards (not issued by smile or The Co-operative Bank)
  • 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 below for charges)
  • your smile card and PIN number - all sent separately for security
  • 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.

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.