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  4. Gold Credit Card

About this card

  • 12.9% interest per annum on purchases and balance transfers.
    • We charge 25.9% interest per annum on cash withdrawals.
  • 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 Gold 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 in your monthly statement.

Representative example

You can get an interest rate on card purchases of 12.9% per annum variable

with a rate of 12.9% APR representative / variable

providing you have a credit limit of £1200

Apply for our Gold Credit Card

To apply the main card holder must meet the following:

  • 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.

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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 (109KB)
pdf

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

Download PDF (446KB)
pdf

Credit card summary of changes to Terms and Conditions with effect from 13th January 2018

Download PDF (148KB)
pdf

How we use your personal information

Download PDF (242KB)
pdf

Our lending commitments and what we ask of you

Download PDF (113KB)

Apply for our Gold Credit Card

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.

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

    Not the card for you?

    Take a look at our Classic Credit Card

    Get 16.9% APR representative / variable and 0.25% cashback on purchases. Subject to status.

    View Classic Credit Card details