Co-op Advantage Platinum
This card is marketed as a way to 'cut the cost of borrowing' on your card, as it features a 0% deal for 6 months on both purchases and balance transfers, and a rate of 15.9% typical APR. Let's behonest, there are cheaper cards out there, especially when you take into account a minimum salary of £22,500 before you can apply.
What really sets the Advantage Platinum apart though is its platinum-card benefits, especially related to travel.
Using the card, you'll get 5% discount on brochure priced holidays, 10% discount on car hire, 7% discount on airport parking and hotels, low cost air fares to both worldwide and European destinations, plus much more.
As a cheerleader for ethical finance, the Co-op will also make a small donation to 'worthwhile causes' every time you spend.
If you're a frequent traveller, you might find that the platinum travel benefits would outweigh the unremarkable interest rate, especially if you regularly clear your balance in full, so avoiding interest altogether.
Advantage Platinum SUmmary
| Standard Rate: | 15.9% typical APR (variable) |
| Balance Transfer Deal? | 0% APR for six months |
| Purchases Deal? | 0% APR for six months |
| Balance Transfer Fee: | 2.5% |
| Minimum Balance Transfer Fee: | £5 |
| Maximum Balance Transfer Fee: | £100 |
| Introductory Cashback | |
| Standard Cashback | 1.25p for every £100 donated to worthwhile causes |
| Rewards Program? | 1.25p for every £100 donated to worthwhile causes |
| Annual Fee: | - |
| Interest Free Period: | Up to 59 days for purchases if you pay the balance in full, by the due date |
| Minimum Repayment: | 2% of outstanding balance or £5 (whichever is greater) |
| Minimum Credit Limit: | Minimum of £5 |
| Maximum Credit Limit: | Subject to status |
| Notes: | With intro deals on balance transfers and purchases, plus donations to 'good causes' as you spend |
