The Bank of Scotland Advance Credit Card is a practical choice for those looking to build their credit. It offers a representative variable APR of 29.9%, with credit limits tailored to your personal circumstances. To qualify, you’ll need to have a Lloyds Banking Group bank account for at least three months and meet an annual income requirement of £6,000.

One standout feature is the simple cost structure: only one interest rate on all balances and no foreign exchange fees on overseas card purchases. By making all payments on time for the first six months, you could also receive a handy £20 reward credited to your card.

How to Apply: Step by Step

• Ensure you meet the eligibility criteria (age, residency, income, and banking history)
• Check your credit card eligibility online without affecting your credit score
• Register or log in to online banking
• Complete the online application form
• Wait for a decision based on your financial circumstances

Key Pros

This card is tailored for credit building and comes with useful educational resources. The addition of a £20 reward for responsible use is an easy incentive for new users.

Foreign travel is made easier thanks to no charges for overseas purchases. Clear costs and strong security features make it beginner-friendly.

Key Cons

The relatively high APR could impact those carrying a balance. There are no balance transfer or additional cardholder options, which limits flexibility for some.

Late or missed payments incur fees, and paying only the minimum extends debt and costs more overall.

Verdict

The Bank of Scotland Advance Credit Card is ideal for first-time credit users aiming to build a positive credit history. Its simplicity and supportive tools make it a strong contender if you need to boost your score securely.