Co-operative Bank 3-year fixed rate credit card
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Co-operative Bank · VISA
The Co-operative Bank 3-year fixed rate 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
- 18.2% p.a. (variable)
- Intro APR
- 8.9% on purchases for 36 months
- Foreign transaction fee
- 2.75%
- Network
- VISA
Benefits and perks
- 8.9% interest per annum fixed for 3 years from account opening, on balance transfers and purchases, then 18.2% per annum (variable)
- 0% balance transfer fee
- 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 3-year fixed rate credit card
What is the annual fee on the Co-operative Bank 3-year fixed rate credit card?
The Co-operative Bank 3-year fixed rate credit card has an annual fee of £0.
Is the Co-operative Bank 3-year fixed rate credit card worth it?
The Co-operative Bank 3-year fixed rate 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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