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.
Get one low rate – Representative 14.9% APR (variable) – and no annual fee.
Going abroad? We won't charge you transaction fees for using your card in European countries.
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.
No waiting for the post – come to a store and leave with your Credit Card in your hand.
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.
You can apply for a Credit Card if:
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|
|Outside Europe*||2.99%||2.99% + £1.50|
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.
All Metro Bank cards support contactless payments. Just tap your card on the reader at the till and you're done.
There’s no annual fee – just one simple rate of 14.9% Representative APR (variable).
Get mini-statements delivered straight to your phone or email to help you manage your finances when you’re close to your credit limit.
We’ll email you every month to let you know your monthly statement is available online. If you need a paper statement, just ask.
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.
|Representative APR||Assumed Credit Limit|
|14.9% APR (variable)||
Download our PDFs to read when you like - they contain all the ins and outs of our Credit Card.
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:
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. We're open 362 days a year
If you need help you can talk to a real person in our UK contact centre 24 hours a day, 7 days a week, 365 days a year
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.
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.
Never mind under a mattress or in a sock drawer – your valuables need proper security. We have 5 sizes of Safe Deposit Boxes available.
Your eligible deposits with Metro Bank are protected by the FSCS.