Smile Credit Cards

Smile is an online platform owned by The Co-operative Bank. It offers a range of retail banking services including savings and current accounts, credit cards, personal and mortgage loans, mobile app and other services. Smile offers Visa gold and classic credit cards with no annual fees. The cards are accepted at millions of merchant outlets and ATMs in over 200 countries and territories.

Smile Classic Credit Card
Annual fee: £0
Minimum credit limit: £200
19.9% APR variable (Preferential rate for smile current account holders)
23.9% APR variable (Standard rate for customers without a smile current account)
0.25% cashback on purchases
Interest per annum on cash withdrawals: 27.9%

Smile Gold Credit Card
No annual fee
Minimum credit limit: £300
15.8% APR variable (Preferential rate for smile current account holders)
21.9% APR variable (Standard rate for customers without a smile current account)
No cashback on purchases
Interest per annum on cash withdrawals: 27.9%

Rates as of February 1, 2023

Company address:
1 Balloon Street
Manchester, M60 4EP
United Kingdom
www.smile.co.uk