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One rate, it's that simple

Credit card

Increase your spending power with our simple low rate Credit Card. Whether you want more flexibility and protection for your purchases at home or abroad, or just peace of mind should the unexpected occur, we can help you get there.

One simple low rate

Get one low rate – Representative 14.9% APR (variable) – and no annual fee.

Free European transactions*

Going abroad? We won't charge you transaction fees for using your card in European countries.

Say hello to Insights

Our new addition to our mobile app–Insights, which can identify patterns, trends and upcoming payments to create personalised reports for you to see how you’re using your money.

Instant in-store card printing

No waiting for the post – come to a store and leave with your Credit Card in your hand.

Open an account

Come and see us in store

The Nuts and Bolts

We’re up front with our customers about everything. We’ve created this handy summary of our Credit Card's key features so you can see the important information from the get-go.

Rate Monthly fees Interest-free period Credit limits from
Representative 14.9% APR (variable) Zero Up to 56 days £500

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.

Keep a close eye on your money

You can now choose to receive alerts from your Metro Bank mobile banking app every time your credit or debit cards are used to make a transaction. This includes payments in shops, online purchases and cash machine withdrawals. Find out more


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.

Location Card Purchase Cash Withdrawal
In Europe* FREE FREE
Outside Europe* 2.99% 2.99% + £1.50

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

Show which countries you can use your card in for free Hide which countries you can use your card in for free

When we refer to Europe we regard the countries which are part of the Single European Payments Area (SEPA).

  • 19 EU Euro countries - Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain
  • 8 EU non-Euro countries - Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden
  • 3 non-EU, Euro countries – Andorra, Monaco, San Marino
  • 4 non-EU, non-Euro countries - Iceland, Liechtenstein, Norway, Switzerland

All territories are included by their associated owning country.

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


  • 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 14.9% 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 well-being, 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

Representative APR    Assumed Credit Limit
14.9% APR (variable)



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)(281KB)

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

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

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How do I apply for a Credit Card?

Just pop into a store. We’re open long hours, including after work and at weekends. 

What you need to bring with you

How much credit can I get?

The credit limit we give you depends on how much you’ll be able to comfortably repay, based on our understanding of your personal circumstances. We assess this using a process called credit scoring. This looks at things like your credit history and how long you’ve lived at your current address to help us come to a decision.

Find out more in:

Guide to the use of your information

Our Service Relationship with Personal Customers

Are there any fees?

There’s no annual fee, just one simple low rate of 14.9% Representative APR (Variable).

There are charges for using your card outside Europe.

Read more about using your card abroad 

Your ways to bank


Metro Bank 24/7. Check balances, make payments, see transactions and open new accounts any time - all with internet banking.


Control your money on the move with our mobile banking app. Check balances, move money, make payments and more wherever you are.


A friendly face and a quick answer - and all the usual payment services too. 

By phone

Talk to a real person in our our UK contact centre. We’ve temporarily changed our opening hours – click the button below to check when we're available.

Some more things you may like...

Switching to us

7-day Switch Guarantee

Switching your current account to Metro Bank is simple and hassle-free. And we guarantee to have it all done and dusted for you in 7 days.

Banking with us

What I need to open an account

With our same-day account opening, you can apply in store and we'll print your card there and then. Having the right documents will help make the process go smoothly.

Safe deposit boxes

A safer spot

Never mind under a mattress or in a sock drawer – your valuables need proper security. We have 5 sizes of Safe Deposit Boxes available.


Protecting your money

Your eligible deposits with Metro Bank are protected by the FSCS.