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B Credit card

Powered by Clydesdale Bank & Yorkshire Bank

Smarter spending at home and abroad from the brains behind B.

Plastic is fantastic when it’s the B Credit card

B Credit card…

  • Reveals your spending habits when used with the app
  • Helps you on your way with no foreign exchange fees on purchases (excludes cash withdrawals)
  • Travels with you, contactless and accepted in millions of places worldwide
  • Understands that low interest rates are important
  • Protects by using the latest security tech to keep you and your money safe

You and B

Representative example
Rate of interest 9.9% per annum (variable) Total amount of credit £1,200 Representative 9.9% APR (variable)

All credit facilities are subject to status. The actual credit limit assigned to your account will vary depending on our credit assessment of you. You can transfer a balance up to your full available credit limit with us. You are unable to apply for a B credit card if you currently have a Clydesdale Bank or Yorkshire Bank credit card, or want to transfer an overdraft from one of our current accounts. Applicants must be aged 18 or over.

Summary Box

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Interest Rates Introductory Rate Monthly Rate Effective Annual Rate
Purchases N/A 0.790% 9.9%
Balance Transfers N/A 0.790% 9.9%
Cash Advances N/A 2.075% 27.9%

Interest-Free Period

  • Maximum 59 days for purchases if you pay your balance in full and on time
  • There is no interest free period for cash advances or balance transfers

Interest Charging Information

You will not pay interest on new purchases if you pay your statement balance in full and on time. Otherwise, the period over which interest is charged is as follows:

  From Until
Purchases Date debited to your account Repaid in full
Balance Transfers Date debited to your account Repaid in full
Cash Advances Date debited to your account Repaid in full*

*If you pay the balance in full, the interest charge for the period from the previous statement to the date of full payment will be debited the following month. If you default in the introductory period you will lose the benefit of any Introductory Rate and your account will incur interest at the Monthly / Annual Rate for the relevant balance. For further details please refer to your credit card terms and conditions.


Allocation of Payments

If you do not repay the entire balance on your account we will apply the amount you pay to the outstanding balance starting with those items to which the highest rate applies. For further details please refer to your credit card terms and conditions.


Minimum Repayment

The minimum payment is an amount equal to the greater of:

  • all interest and default fees added to your account that month together with 1% of the remaining balance on your account, or
  • £5 (or the statement balance if it is less than £5)

Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.


Credit Limit

Minimum Credit Limit - £500.00

Maximum Credit Limit - Subject to status


Fees

No annual fee


Charges

Cash advances / Cash Fee - 3% (minimum £3.00)

Balance Transfers – 0.00%

Copies of Statements or Vouchers – £5.00


Foreign Usage

Payment Scheme Exchange Rate - Rates can be found at www.mastercard.com/global/currencyconversion/index.html

One of more of the following may apply:

Non-Sterling transaction fee (Forex) – 0%

Cash fee – 3% (minimum £3.00)


Default Charges

Late payment or Over limit fees – £12.00

Information correct as at 24th May 2017


Here’s an example of how it works:

You spend £1,000 on 1st January and make no other transactions

The following example highlights the difference between only paying the minimum and a fixed amount each month on your B credit card.

You spend £1,000 on 1st January and make no other transactions

The following example highlights the difference between only paying the minimum and a fixed amount each month on your B credit card

Monthly payment

Without taking into account any introductory rates, how much interest will you be charged in the first year?

Minimum payment each month £50 each month
£81.32 £65.95

How much interest will you be charged in the second year?

Minimum payment each month £50 each month
£79.03 £22.85

How long would it take to clear the balance?

Minimum payment each month £50 each month
16 years 9 months 1 year 10 months

Please note, the above example assumes the following: Representative 9.9% APR variable.

The transaction takes place on 1st January and you make no futher transactions.

Your statement is produced on the 1st of each month. You always make a payment on the due date.

What’s not to love?

  • The B app shows you exactly where the money goes
  • Our best ever representative APR of 9.9% (variable)
  • 0% balance transfer fee
  • Contactless payments
  • No foreign exchange fees for purchases abroad (excludes cash withdrawals)
  • The team at B is ready around-the-clock to help you
  • Accepted in millions of places worldwide, where you see the Mastercard logo
Coconut with B Credit Card

B eligible to apply

  • You are aged 18 or over
  • You have a permanent UK address
  • You are currently not bankrupt and have not had any County Court Judgements or Decrees in the past three years
  • To use the B app, please check you have a compatible device

B prepared

  • You’ll need 15 minutes to apply
  • You need to download the B app to use the full range of budgeting and tagging features
  • Before applying for B credit, please check our other credit card to make sure you pick the right one for you
  • You’ll need your bank details
  • You’ll need your monthly earnings before tax is taken off
  • You’ll need details of your monthly outgoings, such as your mortgage, bills and loans

You and B

Talk to us

Top Credit card questions

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