Bank of Scotland All In One Credit Card
The All in One Credit Card offers outstanding value and is designed for those who want a no frills credit card which does what it says on the tin. The All in One card from the Bank of Scotland has a respectable 17.9% APR Representative rate which is great value when compared to some of the other entry priced credit cards on the market.
With such great benefits such as 0% on balance transfers for 12 months and 0% interest on all purchases for 12 months, you would expect the eligibility criteria to be strict. Fortunately, this isn't the case, all they require is that you are earning a regular income and are over the age of 18.
As the All in One Card is a MasterCard it means you get access to some fantastic offers including discounts on entertainment, shopping and travel. MasterCards are accepted in stores and cash machines worldwide - so even if you are on your travels you can still use your All in One card.
If you are worried about credit card security, fear not. You can register your All in One card with MasterCard SecureCode system which means that you have to put in additional passwords every time you make a purchase online.
The Bank of Scotland also offer additional card protection for an extra £18 per year. This fee gives you access to their 24/7 hotline where you can get your payment cards replaced and also arrange emergency cash advances.
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BoS All In One Details
| Standard Rate: | 17.9% Representative APR (variable) |
| Balance Transfer Deal? | 0% APR for 12 months (3% transfer fee applies) |
| Purchases Deal? | 0% APR for 12 months |
| Minimum Balance Transfer Fee: | £3 |
| Introductory Cashback | |
| Standard Cashback | |
| Annual Fee: | - |
| Interest Free Period: | No interest charges if balance paid in full and on time |
| Minimum Repayment: | 1% of the balance plus interest, any fees and charges. Minimum £5 |
| Minimum Credit Limit: | Subject to status |
| Maximum Credit Limit: | Subject to status |
| Minimum Applicant Age: | 18 |
| Notes: | 2 great 0% offers and a decent standard rate |
| Representative Example: | Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA. |
In Brief:
- Representative APR: 17.9%
- No Annual Fee
- 0% interest on all purchases for 12 months
- 0% on balance transfers for 12 months (Subject to 3% fee)
- Cash Advance: 3% or £3 minimum fee
- MasterCard SecureCode - Extra online protection when shopping online.
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