Smile Bank

Phone: +44 (0)8457212212, +44 1481 710527

Classic Credit Card

Get a great low rate from just 12.9% APR representative/variable with our gold card for smile customers, or cash-back on every penny you spend with our classic card. And yes, we've won stacks of awards on these too!
-0.25% cashback on purchases*
-earn cashback on your purchases
-no annual fee - ever
-up to 56 days interest free on purchases if you settle your balance in full by the due date you must be a UK resident, over 18 and earn £10K gross or more
Interest Rate
For smile customers - 16.9% APR
For Non-Smile Customers - 20.9% APR
Service Type
Credit Card
Earn Cashback

With a smile classic credit card, not only do you get a great interest rate but you'll also earn cashback on all your purchases.
You'd be surprised how quickly you can clock up your smile cashback if you put your mind to it. By making everyday purchases on your credit card instead of paying cash or using your debit card, you'll soon see the cashback mount up and your money will stay in your current account, earning great interest - money for old rope really.
The cashback is paid one month in arrears, it's headed up "smile cashback" on your statement and is automatically deducted from your balance - so your bill is reduced.

it's easy to transfer outstanding balances online from other credit cards (not issued by smile or The Co-operative Bank)
online, real-time statements - you see transactions as soon as we do
you can request an additional card for someone you hold dear - and trust
safe shopping - if your smile card details are ever used fraudulently by someone else through no fault of your own, you will not be liable for any loss
your smile credit card is welcomed at over 22 million outlets worldwide and accepted by any Visa cash machine where you need to use your PIN number (see credit card tariff for charges)
your smile card and PIN number (all sent separately for security)


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