Smile Credit Card

Learn more about the Smile credit card, and apply online for a Smile Card. We also detail the UK's best credit cards, for balance transfers, introductory rates, cash back and standard APR.

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The Smile credit card offers a number of additional benefits, inlcuding:

easy to transfer outstanding balances online from other credit cards (not smile or The Co-operative Bank)

cashback on all purchases - see Visa terms & conditions

up to 46 days interest free if you settle your balance in full

online, realtime statements - you see transactions as soon as Smile do

they'll match your existing credit limit if they possibly can

the opportunity to protect your cards and repayments against the unexpected

you can request an additional card for someone you hold dear - and trust

safe shopping - if your smile card details are ever used fraudulently by someone else through no fault of your own, they'll pay for any loss over £50 from the time you report the card missing

your smile credit card is welcomed at over 22 million outlets worldwide and accepted by any Visa cash machine where you need to use your PIN number (see credit card tariff for charges)

you also get a book of credit card cheques to use in outlets that don't accept Visa cards (see credit card tariff for charges)

24-hour hassle free admin

your smile card, credit card cheques and PIN number (all sent separately for security).

if you earn £20K or above, you can have a smile gold card, which gives you added travel cover and a higher minimum credit limit