Bank of Scotland Advance Credit Card
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Bank of Scotland
The Bank of Scotland Advance Credit Card is a credit card from Bank of Scotland on the network. It has an annual fee of £0.
Verified 12 Sept 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 29.94% p.a. (variable)
- Foreign transaction fee
- None
Benefits and perks
- Advance your score. By showing you can use and manage credit carefully, it can help to build your credit score.
- Credit coaching. Watch videos and get personalised emails from us, helping you to get credit smart.
- Earn a £20 reward. When you make your payments on time in the first 6 months of account opening. Offer terms apply.
- Know the costs. A single interest rate on your balances, making it easy to understand any borrowing costs.
- Spending abroad?. We won’t charge foreign exchange fees when you make card purchases in a foreign currency.
- Find it in the app. Set up the Bank of Scotland app for quick, secure access to your card details and PIN.
- Everyday banking online. Manage your profile, money or cards from your sofa with the app or online banking.
Questions about the Bank of Scotland Advance Credit Card
What is the annual fee on the Bank of Scotland Advance Credit Card?
The Bank of Scotland Advance Credit Card has an annual fee of £0.
Is the Bank of Scotland Advance Credit Card worth it?
The Bank of Scotland Advance Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
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