Gold Card
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first direct
The Gold Card is a credit card from first direct on the network. It has an annual fee of £0.
Verified 12 Sept 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 24.9% p.a. (variable)
- Intro APR
- get 0% interest on purchases for the first 12 months
Benefits and perks
- get 0% interest on purchases for the first 12 months
- buy now and pay for it gradually over time
- be ready for any unexpected emergencies.
- apply in minutes, with no lengthy forms
- average credit limit offered is £7,800
- make payments straightaway using Apple Pay and Google Pay
Questions about the Gold Card
What is the annual fee on the Gold Card?
The Gold Card has an annual fee of £0.
Is the Gold Card worth it?
The Gold 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.
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