Co-operative Bank 0% Balance Transfer credit card
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Co-operative Bank · VISA
The Co-operative Bank 0% Balance Transfer credit card is a credit card from Co-operative Bank on the VISA network. It has an annual fee of £0.
Verified 12 Sept 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 20.6% p.a. (variable)
- Intro APR
- 0% on purchases for 4 months
- Foreign transaction fee
- 2.75%
- Network
- VISA
Benefits and perks
- 0% interest per annum for 2 years, on balance transfers made within first 60 days of account opening, then 20.6% per annum (variable)
- 3% fee on balance transfers (minimum charge of £5)
- 0% interest per annum on purchases for 4 months from account opening, then 20.6% per annum ( variable )
- 27.9% interest per annum (variable) on cash withdrawals from account opening
- You must have held a Co-operative Bank or smile current account for at least 7 months (Cashminder accounts are not eligible).
Questions about the Co-operative Bank 0% Balance Transfer credit card
What is the annual fee on the Co-operative Bank 0% Balance Transfer credit card?
The Co-operative Bank 0% Balance Transfer credit card has an annual fee of £0.
Is the Co-operative Bank 0% Balance Transfer credit card worth it?
The Co-operative Bank 0% Balance Transfer 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.
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