All in One Advantage Card

Wouldn't it be great to have even more time without incurring interest on purchases and balance transfers?
Apply for our All in One Advantage Card and as a qualifying current account customer, that's exactly what we'll give you: 

• 0% for the first 13 months on purchases meaning you will have no interest to pay on your purchases for over a year
• 0% for the first 13 months on balance transfers (with a 3% fee) - so if you have balances on other credit or store cards, why not transfer them - you could save money.

Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Bank of Scotland or Halifax products.

To qualify for this offer you need one of the following:

• A current account with us into which you pay £1,000 or more each calendar month
• A Silver Account, Gold Account, Platinum Account, Premier Account or Ultimate Reward Current Account
• Or switch your current account to us using our dedicated Switching Service and pay in £1,000 or more each month or open a Silver Account, Gold Account, Platinum Account or Premier Account.

For more detailed information please view the summary box (pdf)

Important information
This offer is available to new and existing customers current account customers applying for a credit card. Credit available subject to status to UK residents aged 18 or over from Bank of Scotland plc.

Current accounts available subject to status to UK residents aged 18+. All offers exclude Bank of Scotland Flexible and Flexible Plus Current Accounts and the Bank of Scotland Currency Account and are only available to personal banking customers.

This card is not available from any of our high street branches.

The card offers the following Bank of Scotland extras:

• Cover against online fraud when purchasing on the Internet
• Card replacement if lost
• No interest will be charged on purchases if every statement balance is paid in full by the payment date
• No annual fee
• Manage your card online
• Around the clock service
• Accepted wherever you see the MasterCard sign in over 24 million locations worldwide
• Additional cards available

As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history.

For the first 13 months you will get 0% on balance transfers (a fee of 3% applies for each balance transfer). You will also get 0% for 13 months on purchases. Your personal APR for purchases will be either 17.9% APR (variable), 21.9% APR (variable) or 23.9% APR (variable). Your interest rate for balance transfers will be the same as for purchases.

51% of customers are offered our best rate of 17.9% APR representative (variable).

You can apply online - our application form will open in a new window, it will take about five minutes to complete. You'll need to have your credit card details to hand if you want to transfer balances online.

If you would rather apply over the telephone, call us on 0800 328 5984 between 8am - 10pm Mon - Fri & 8am - 7pm Sat - Sun.

In most circumstances you'll get an instant decision. This card is not available in our high street branches.