one rate, it's that simple

APR stands for annual percentage rate. It’s intended to give you a more accurate idea of how much you are being charged when you borrow money. It takes into account the interest on the loan and other charges you have to pay, for example any arrangement fee.

Eligibility

You can apply for a Credit Card if:

• You’re aged 18 or over
• You’re resident in the UK. You’ll also need to provide proof of your identity and address. If you’re not a UK, EU, EEA or Swiss national you’ll need a valid visa/residence permit. Here’s a list of what you need

Using your credit card abroad

We won’t charge you for international credit card transactions made in most European countries. And we offer outstanding value rates in the rest of the world.

*Where can I use my card for free in Europe? 

If you use your card abroad, any foreign currency transaction will be converted into sterling on the day it’s paid out of your account. The exchange rate is set by MasterCard®.

MasterCard® is a registered trademark of MasterCard International Incorporated. 

Features explained

Interest

• You get up to 56 days interest-free for purchases if you pay your balance in full and on time. (The first interest-free period for purchases may be shorter if you take out your credit card part-way through a month.) If you don’t pay your balance in full, we charge interest daily from the transaction date until we receive your repayment.
• There’s no interest-free period on cash advances or balance transfers. You build up interest from the day you take out cash or make a transfer until you pay the money back.

Contactless card

All Metro Bank cards support contactless payments. Just tap your card on the reader at the till and you're done.

No annual fee

There’s no annual fee – just one simple rate of 13% Representative APR (variable).

Text and email alerts

Get mini-statements delivered straight to your phone or email to help you manage your finances when you’re close to your credit limit.

Paperless statements

We’ll email you every month to let you know your monthly statement is available online. If you need a paper statement, just ask.

What we consider

When you apply for a credit card we use a process called 'credit scoring' to perform a credit assessment of you. Your score helps us decide whether we can offer you a credit card and what your credit limit will be.

As a responsible bank, we work with you to make sure you can afford your borrowing. We won’t give you a card if we think it will be bad for your financial wellbeing, based on our understanding of your personal circumstances. We don’t want to leave you struggling to repay your credit card.

Credit card representative example

Get all the details to read at your leisure

Download our PDFs to read when you like - they contain all the ins and outs of our Credit Card.

Credit Card Details (PDF)(897KB)

Personal Credit Card Other Terms (PDF) (164KB)

Our Service Relationship with Personal Customers (PDF)(1.2MB)