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Credit Cards
Check if you can be pre-approved with One Check:
- See your estimated credit limit up front.
- We’ll tell you if you’re pre-approved for any cards.
- It won't affect your credit score.
See if you’re pre-approved
One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you whether you are pre-approved for any cards or whether we need to do some final checks. It will also tell you the credit limit you could be offered. Using One Check won’t affect your credit score.
- One simple form to complete in about five minutes.
- One list of cards you can apply for.
- One Check helps you find the right credit card for you.
What will you be using your new Bank of Scotland credit card for?
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An everyday credit card could help with your day-to-day budgeting. Putting your weekly shopping, household bills and smaller expenses in one place might make it easier to manage things.
- Everyday spending credit cards usually come with a low interest rate on purchases.
- Most credit card purchases (more than £100 and up to £30,000) are protected by Section 75 of the Consumer Credit Act.
- Could be a useful way to keep track of everyday spending.
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This is where you move existing balances from one or more credit card or store card providers to another. Doing this could mean you combine several repayments into one manageable monthly repayment. Balance transfer fees may apply.
- Move credit card and selected store balances.
- Things could be easier to manage by putting balances together.
- Balance transfer credit cards often have an introductory offer.
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A large purchase credit card could help you spread the cost of planned purchases over a longer term, which might make it a more affordable way of paying for something.
- Large purchase credit cards often have an introductory offer.
- Most credit card purchases (more than £100 and up to £30,000) are protected by Section 75 of the Consumer Credit Act.
- Flexible way to budget for bigger goods or services.
More about One Check
We want to make choosing a Bank of Scotland credit card as simple as possible for you. One Check will tell you if you’re eligible to apply or you’ve been pre-approved. It will also tell you the credit limit you’re likely to be offered.
To find out more, watch our One Check video.
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Instead of displaying all of the credit cards in our range, we’ll show you which ones you’re eligible to apply for. This is so you can make an informed choice and choose the right card for your borrowing needs.
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Choosing the right credit card can be tricky. Which one is right for you depends on your borrowing needs, and what your individual circumstances are. If you need more help understanding what that means, you might find our credit cards help and guidance section useful.
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A credit card is a plastic card, like your debit card, that can be used to pay for goods and services. However, with a credit card, you borrow the money when you spend on it, and then pay it back on a monthly basis. Interest is usually added if you don’t clear your balance in full.
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One Check does a ‘soft’ credit search on your file. This is a search that can’t be seen by other lenders, so it can’t be used by them when making a lending decision.
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Before you take out a credit card, it’s important to make sure it’s the right option for your needs. Depending on what you want to borrow for and for how long, a credit card might not always be the best choice. A personal loan or an overdraft may be more suitable for you.