About Co-operative Bank Platinum credit card...
- Fixed low rate for the next 5 years
- Low rate applies to all transactions - including cash withdrawals
- TravelClub discounts
If you're after a credit card that offers a fixed, low interest rate from a bank that's been voted No. 1 for customer satisfaction, then the Co-operative Bank's Platinum credit card could be just the thing for you.
What's more, with the Co-operative Bank's ethical policy you can be sure you'll be dealing with a bank that puts people first all over the globe.
The Co-operative Bank Platinum credit card offers a five-year, fixed low rate interest of just 9.9% APR. Add that together with the host of offers and discounts on package holidays, flights and accommodation that you'll be entitled to as a member of the Co-operative Bank's TravelClub, and it’s clear to see that this credit card is good in more ways than one.
There are benefits for you and benefits for others - it's simple. Take out a credit card with the Co-operative Bank and they'll make sure they look after you whilst doing their best to look after others too. It's an ethical bank that attracts like-minded people - the Co-operative Bank's last campaign saw thousands of its customers lobbying their MPs on the Climate Change Bill.
So, if you're a UK resident over 25, earn over £25,000 and want to do more for the world you live in, the benefits of a Co-operative Bank Platinum credit card could be yours for the taking.
Apply for Co-operative Bank Platinum credit card 
| Interest Rates and Fees |
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|
Notes.. |
| Typical APR |
9.9% APR (variable) |
Interest rate fixed for 5 years. |
| Balance Transfers |
9.9% p.a. |
Excluding balances transferred from other Co-operative Bank issued credit cards. |
| Balance Transfer Fee |
2.5%
(£5 minimum) |
When you transfer a balance to this card you will be charged a 'handling fee'. |
| Cash Withdrawal Rate |
9.9% p.a. (variable) |
This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money. |
| Cash Withdrawal Fee |
2.5%
(£3 minimum) |
When you use your credit card to get cash you will be charged a 'handling fee' for doing so. |
| Annual Fee |
£0 |
-
|
| Foreign Transaction Fee |
2.75% |
This is fee you will be charged for credit card transactions made abroad.
|
| Rewards |
| |
|
Notes.. |
| Co-operative Bank TravelClub |
Offers and discounts on package holidays, accomodation, flights, and more |
- |
| Cardholder Services & Extras |
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|
Notes.. |
| Online Account Management |
Yes |
You can log in to a website and manage your Co-operative Bank Platinum credit card account online. |
| Purchase Protection Insurance |
Free 90 day cover |
Cover against accidental damage or theft of goods for up to 90 days from the date of purchase. |
| Travel Accident Insurance |
Up to £100,000 |
Free insurance policy when you use the Co-operative Bank Platinum credit card to pay for your travel tickets. |
| Assistance Overseas |
24 Hour Medical & Legal assistance when overseas |
- |
| Emergency Cash & Card Replacement |
- |
- |
| Other Extras |
24 hour customer service |
- |
| Optional Extras |
Payment protection |
These are extras that you can choose, but you will have to pay for them. |
| Payments & Payment Details |
| |
|
Notes.. |
| Credit Limit |
£500 minimum |
Credit limit may vary from person to person and is subject to status. |
| Interest Free Period |
Up to 46 days |
For purchases if you pay your balance in full by the due date. There is no interest free period on cash withdrawals or balance transfers. |
| Minimum Monthly Payment |
2%
(£5 minimum) |
The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero). |
| Allocation of Payments |
Interest, charges, fees, promotional balances, cheques, cash withdrawals, purchases. |
When you make a payment to this card, payments will be applied in this order. If you have more than one transaction in any category, your payment will be applied towards the oldest transaction first. |
| Default Charges |
£12 |
This is how much you will be charged for late payments, returned payments and if you go over your credit limit. |
| Copy of Statement Fee |
£5 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
| |
|
Notes.. |
| Online Application |
Yes |
- |
| Card Type |
Platinum |
-
|
| Payment Company |
Visa |
This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'Visa' logo will accept this card. |
| Card Issuer |
Co-operative Bank |
This is the bank behind your credit card. |
| Card Advertiser |
Co-operative Bank |
This is the company who advertises and promotes this credit card. |
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Co-operative Bank Platinum Credit Card
| Typical APR |
 9.9% APR |
 |
| Balance Transfers |
 9.9% p.a.
2.5% transfer fee - £5 min |
|
| Rewards |
| TravelClub offers & discounts |
|
|
| Interest Free Period |
| Up to 46 days |
|
| Annual Fee |
| £0 |
|
 |
| You should only apply if you are: |
| • Aged 25 or over |
| • UK resident |
| • Earn at least £25,000 each year |
| • Already hold a credit card |
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More about Co-operative Bank Platinum credit card...
For you, the real winning point of the Co-operative Bank Platinum credit card is the fixed, low rate interest of 9.9% APR that lasts a lengthy five years. With the average credit card offering an APR interest rate around the 13-15% mark, this deal from the Co-operative Bank is quite a gem.
Of course, there are deals out there that offer 0% APR rates for up to 15 months (Egg and Virgin for example.) But if you're not one for chopping and changing credit cards here, there and everywhere, then you can rest safe in the knowledge that a 9.9% APR fixed rate for five years is a nifty offer and not one to be sniffed at.
But it's not just about the money with the Co-operative Bank; it's about where the money goes too. If you take out a credit (or debit) card with the Co-operative Bank for every £100 you spend on it, the Co-operative Bank will put 1.25p into their Campaign Fund. It might not, on the face of it, sound like a huge sum. But add up all the customers with credit and debit cards and it soon tots up.
They've already donated over £4 million to over 80 charities and organisations - so that's testimony that the Co-operative Bank is doing something right.
Final word
The Co-operative Bank Platinum credit card isn't out to woo you with short-lasting introductory offers. It's in it for the long haul. And having been voted No 1 in the customer satisfaction polls, the Co-operative Bank hopes that you'll be in it for the long haul too.
If you want a simple 'does what it says on the tin' credit card then the Co-operative Bank Platinum credit card is a good bet. Plus if you've got a conscience then remember this - The Co-operative Bank is a leader in ethical investment. It's donated more than £4 million to over 80 charities and organisations and actively seeks to get involved with human rights and climate change issues - and encourages you to do the same.
Apply for Co-operative Bank Platinum credit card
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