If you are 25 or over and earn £25k or more, you could have a smile gold card.

Here’s what you’ll get:

• a preferential rate of 12.9% APR typical/variable if you have a smile current account
• no annual fee – ever
• up to 46 days interest free 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.

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credit cards provided by The Co-operative Bank