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Nation · GB-SCT

Credit cards in Scotland

Every card we hold for the United Kingdom, with issuers our Scotland research names listed first. We do not yet hold region limits for cards in the United Kingdom, so some cards here may restrict who can apply — a credit union's membership rules, for example. The issuer's own page is the place to check.

*every note about Scotland on this page quotes the page it came from, with the date we read it.

185
cards in the United Kingdom catalogue
1
sourced note
Named in the notes

Issuers our Scotland notes name

An issuer is marked regional only where the line quoted from its source ties who may join, or where it operates, to Scotland. Being based or big here is not that: an issuer named for its headquarters or size may lend nationwide, and its own page states who can apply.

Royal Bank of Scotland (RBS) — headquartered Edinburgh

“Registered office: 36 St Andrew Square, Edinburgh, EH2 2YB.”
“Andrew Square, Edinburgh, Scotland, EH2 2YB”

Royal Bank Of Scotland · 10 on file · no regional limit quoted

Royal Bank Of ScotlandMastercard

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of ScotlandMastercard

Business Credit Card

Mastercard issued by Royal Bank Of Scotland.

BusinessCash Back
Annual fee£30per year
Top earn rate1%eligible fuel and EV charging providers
Royal Bank Of ScotlandMastercard

Business Plus Credit Card

Mastercard issued by Royal Bank Of Scotland.

BusinessCash Back
Annual fee£70per year
Top earn rateNot confirmed
Royal Bank Of ScotlandMastercard

Credit Builder Credit Card

Mastercard issued by Royal Bank Of Scotland.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of ScotlandMastercard

Longer Balance Transfer Credit Card

Mastercard issued by Royal Bank Of Scotland.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Royal Bank Of ScotlandMastercard

onecard

Mastercard issued by Royal Bank Of Scotland.

Business
Annual fee£45per year
Top earn rateNot confirmed
Royal Bank Of ScotlandMastercard

Reward Black Credit Card

Mastercard issued by Royal Bank Of Scotland.

Cash BackGas & Fuel
Annual fee£84per year · can be waived
Top earn rateNot confirmed
Royal Bank Of ScotlandMastercard

Reward Credit Card

Mastercard issued by Royal Bank Of Scotland.

Cash BackGas & Fuel
Annual fee£24per year · can be waived
Top earn rateNot confirmed
Royal Bank Of ScotlandMastercard

The Royal Bank Credit Card

Mastercard issued by Royal Bank Of Scotland.

Low InterestNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
The ledger

Other cards in the United Kingdom

Showing 24 of 175
Listed fullest record first — fee, earn rate, welcome offer and annual-fee check on file — not by merit. A blank on a tile is a figure we do not hold.
American ExpressAmex

Amex Cashback Credit Card

5% Cashback Up to £125 Cashback for the first three months of Cardmembership

Cash BackTravel Insurance
Annual fee£25per year
Top earn rateNot confirmed
Ulster BankCard

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
Funding CircleVisa

Cashback Business Credit Card

Our Cashback business credit card gives you 2% cashback for the first 6 months, up to £2,000. Then 1% uncapped cashback on everything you spend after that

BusinessCash Back
Annual fee£0per year
Top earn rateNot confirmed
NatWestMastercard

NatWest Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
NatWestMastercard

NatWest Business Credit Card

Mastercard issued by NatWest.

BusinessEV Charging
Annual fee£30per year
Top earn rate1%fuel and EV charging
NewDayMastercard

Pulse Mastercard

Mastercard issued by NewDay.

Cash BackNo Annual Fee
Annual fee£0per year
Top earn rate0.25%Not yet checked with NewDayOther
Santander UKMastercard

Santander World Elite™ Mastercard®

If you’re a Santander Select or Santander Private banking customer, you may be eligible for £90 cashback when you open a Santander World Elite Mastercard credit card during the offer period starting 26 March 2026.

Balance TransferLounge Access
Annual fee£15/month£180/yr
Top earn rateNot confirmed
Co Operative BankVisa

3-Year Fixed Rate Credit Card

Visa card issued by Co Operative Bank.

Low InterestNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Santander UKMastercard

All in One Credit Card

Mastercard issued by Santander UK.

Balance TransferCash Back
Annual fee£3/month£36/yr
Top earn rateNot confirmed
Co Operative BankVisa

Balance Transfer Credit Card

Visa card issued by Co Operative Bank.

Balance TransferLow Interest
Annual fee£0per year
Top earn rateNot confirmed
BarclaycardMastercard

Barclaycard Avios Plus

Mastercard issued by Barclaycard.

AirlineLounge Access
Annual fee£20/month£240/yr
Top earn rateNot confirmed
BarclaycardCard

Barclaycard Premium Plus

Credit card issued by Barclaycard.

BusinessPremium
Annual fee£150per year
Top earn rateNot confirmed
BarclaycardCard

Barclaycard Select Cashback

Credit card issued by Barclaycard.

BusinessCash Back
Annual fee£0per year
Top earn rateNot confirmed
Zempler BankMastercard

Business Credit Card

Mastercard issued by Zempler Bank.

BusinessCash Back
Annual fee£0per year
Top earn rateNot confirmed
Chase UkCard

Chase Credit Card

Credit card issued by Chase Uk.

Cash BackNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Ulster BankCard

Credit Builder Card

Credit card issued by Ulster Bank.

Credit BuildingNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed
Danske BankMastercard

Danske Bank Mastercard Standard

Mastercard issued by Danske Bank.

Low InterestNo Annual Fee
Annual fee£0per year
Top earn rateNot confirmed

The full United Kingdom catalogue →

Questions

Scotland: the short answers

Which card issuers do our Scotland notes name?

Royal Bank of Scotland (RBS) — headquartered Edinburgh. (Source: Royal Bank of Scotland; Companies House — SC083026.)