Smile Bank

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

Gold 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!
-access to your recent transactions online
-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 25 and earn £25K gross or more
Interest Rate
For Smile Customers - 12.9% APR
For Non-Smile Customers - 15.9% APR
Service Type
Credit Card
-access to your recent transactions online.
-no annual fee – ever.
-up to 56 days interest free on purchases if you settle your balance in full by the due date.

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 the Credit Card Tariff below for charges)
your smile card and PIN number - all sent separately for security


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