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B Credit card

Powered by Clydesdale Bank & Yorkshire Bank

0% foreign transaction fees on purchases

Representative 9.9% APR (variable)

B Credit card

With no fees on overseas purchases and a card that works in millions of places around the world, Bali or Bognor, wherever you wander, your B Credit card can help you relax.

Backed by the super-smart B app, you’ll be armed with up-to-date info on what you’ve spent where to help you budget like a boss. Want to transfer to B Credit card? No problem – there’s no fee for balance transfers and a no-nonsense low interest rate of 9.9% p.a. (variable) when you get here. You cannot transfer balances from other Clydesdale or Yorkshire Bank products.

Why choose this card?

B Credit card…

  • 0% foreign transaction fee on purchases
  • Super-smart budgeting when used with the B app*
  • Contactless and mobile payments via Apple Pay*
  • Access to Mastercard Priceless Cities events & offers

*Device requirements apply

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 cannot transfer balances from other Clydesdale or Yorkshire Bank products. Applicants must be aged 18 or over, reside in the UK and not currently hold a B credit card.

Additional features

0% balance transfer fee

There’s no fee for transferring your balance to B Credit card.

UK call centres

The experts at B are on hand 24 hours a day, 7 days a week.

Secure online shopping

With Mastercard SecureCode you’re protected from unauthorised use of your card online.

24 hour fraud support

You will not be liable for fraudulent transactions providing you notify us as soon as you notice unusual activity.

No annual fee

You won’t be charged an annual fee for the B Credit card.

Easy payments

You’ll have a number of payment options, including Direct Debit.

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.

Minimum monthly payment

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

£81.32


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

£79.03


How long would it take to clear the balance?

16 years 9 months

£50 monthly payment

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

£65.95


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

£22.85


How long would it take to clear the balance?

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.

Already started an application?

Login to retrieve your B credit card application. If you're not sure what your login details are, or you can't get online for some reason, please give us a call on 0800 678 3320.

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