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Credit card interest rates and charges

Yorkshire Bank Gold Mastercard®

Here is a summary of our latest rates and charges for reference when using your Yorkshire Bank Mastercard. This can help you work out your charges over the course of your credit card account period.

Representative example
Rate of interest 18.9% pa (variable) Total amount of credit £1200 Representative 18.9% APR (variable)

Support

If you need help with your credit card call 0800 678 3320.

Purchases and cash advances

These rates apply to transactions other than balance transfers:

Current rates Monthly rate for purchases (%) Effective Annual Rate for purchases (%) Monthly rate for cash advances (%) Effective Annual Rate for cash advances (%)
Yorkshire Bank Gold Mastercard
Introductory rate
0
N/A
2.075%
27.9%
Purchases rate†
1.453%
18.9%
2.075%
27.9%
Balance transfers*
Current rates Monthly rate (%) Effective Annual Rate (%)
Yorkshire Bank Gold Mastercard
Introductory rate
(purchases)
0
N/A
Purchases rate cardholder††
0.945%
11.9%

When you make a balance transfer we may charge a fee which will be 3% of the balance transferred minimum £3.00.

Promotional balance transfers*

Sometimes we’ll offer promotional rates for balance transfers.


Note

When the introductory period ends, the purchases rate applies for Gold Mastercard customers.

* The interest rate due on all balance transfers will be fixed for the period of six months (except for the introductory rate) from the date the transfer is debited to the account after which it will form part of the general balance outstanding on your account and be charged interest at the rate you are then paying.

You have to pay a cash handling fee of 3% (min £3) for cash withdrawals or if you buy foreign currency and travel services. APR's and fees may vary. If your outstanding balance is less than £5 you must pay it off in full by the date shown in your statement. If your outstanding balance is more than £5 you must make a minimum payment of either £5 or all interest and default fees that have been added to your account that month together with 1% of the remaining balance on your account, whichever is the greater.

Important information about using your cards abroad

Information correct as at 2nd December 2016

Cash advance rate is charged on the cash advance balance. This is the amount you owe us for cash advances which includes transfers to another account which are not balance transfers, or if you buy any foreign currency or travellers’ cheques, or use your card for gambling. We will also add any interest and charges on those amounts to the cash advance balance.

†† Balance transfer rate is charged on balance transfers other than introductory balance transfers.