16.9% APR typical
Is there an annual fee?
No
Will the interest rate stay the same?
Not necessarily. We may have to change our rates, for example if the Bank of England changes interest rates.
How do you calculate my interest?
Interest accrues on a daily basis from the date of your purchase - but is only charged on purchases if you don't pay off the whole balance each month by the payment due date.
Will I have to pay a charge when I use my card abroad?
When you use your card abroad, your payment will be converted into sterling at the rate determined by Visa International. Visa International will charge a fee for making the conversion, and you'll also be charged our conversion fee.
Do I get charged a fee for cash advances?
Yes. We'll charge you a handling fee.
How many days interest free credit do I have?
Our credit card has up to 59 days interest free credit on purchases, provided you pay the full balance outstanding on your card each month.
Do I get charged a fee for balance transfers?
There is a Balance Transfer Fee on our credit card.
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