Bank of Scotland All in One Credit Card

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  • Cash Advance Fee:
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  • Intro Balance Transfer Duration:
  • Intro Balance Transfer Fee:
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  • Intro Purchase Duration:
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  • Standard Purchase Rate:
  • 3%
  • 27.95% p.a.
  • 12 months
  • 3%
  • 0% p.a.
  • 12 months
  • 0% p.a.
  • 17.9% p.a. variable
  • 17.95% p.a.

Pros

  • Save money with interest free balance transfers & purchases

Cons

  • Expensive cash advances

  • No dedicated rewards scheme

Best Features of the Bank of Scotland All in One Credit Card

  • 0% balance transfers for 12 months
  • 0% purchases for 12 months

Our Review

If you’re after a credit card that offers fantastic rates on both balance transfers and purchases then look no further than the Bank of Scotland All in One credit card. Designed for anyone looking to obtain cheap credit, the All in One card is a must-have.

Who it’s for

The Bank of Scotland All in One credit card is perfect for people looking to build up a credit history or are looking to save money with a balance transfer at 0% p.a. for 12 months. The credit card would also suit those who like to spend and want to defer payment thanks to the All in One credit card’s impressive 0% p.a. interest on all purchases for the first 12 months.

Eligibility

In order to be eligible for the Bank of Scotland All in One credit card you must be over the age of 18, have a steady income and be a UK resident.

Balance transfers

If you’re looking to transfer a balance from an existing credit card then the All in One card can help with 0% p.a. interest on all balance transfers for the first 12 months. Balance transfers can be carried out at any time from any account, but the introductory period starts the minute you open your account.

Purchases

The All in One credit card is the perfect companion if you like to shop. With a 0% p.a. interest rate for the first 12 months on all new purchases, this credit card offer is ideal if you want to shop now and pay later. 12 months later to be exact.

Cash advances

Unfortunately the credit card isn’t so generous when it comes to withdrawals. If you want to take money out of a cash machine, or want cash back at the checkout then expect to pay an interest rate of 27.95% p.a. per annum. Also be aware that cash advances are charged a 3% handling fee.

Security & fraud protection

You’re in safe hands with the Bank of Scotland All in One credit card. The account comes with an Internet Fraud Guarantee to protect you against any unauthorised transactions made online. The Bank of Scotland also offer active fraud monitoring on all credit card accounts, keeping an eagle eye over your account to ensure that any out-of-the-ordinary transactions are investigated. You can also register the All in One card with MasterCard’s SecureCode, which further protects your card from online fraud.

The card does lack additional purchase protection, however, it should be noted that by law, you are still protected for any purchases made between £100 and £30,000.

Conclusion

The Bank of Scotland All in One card is ideal if you are looking to transfer debt and get your finances under control or wish to take advantage of interest free purchases. However, if you are looking to be rewarded for spending and can afford the monthly repayments, then there are more competitive cards on the market.