TSB’s Advance Credit Card stands out for its straightforward 12.9% APR (variable), which is one of the lowest on the market in its category. The card features 0% interest on purchases and balance transfers for the first three months, providing valuable breathing space for new cardholders. Credit limits, interest rates, and eligibility will depend on individual circumstances, and all lending is subject to approval and credit status. Responsible use—staying within your credit limit and making timely payments—is necessary to maintain these rates.

How to Apply: Step by Step

To apply for the TSB Advance Credit Card, ensure you’re over 18, a UK resident, with a regular income and no recent serious credit issues. Gather your current address details, bank account number, and sort code. Existing TSB customers can apply directly via the TSB app for a quicker, auto-filled application. New customers can conveniently apply online, allowing you to check eligibility and see your likely credit limit without impacting your credit score. Alternatively, applications can be submitted in-branch or by phone.

Advantages of the TSB Advance Card

One of the key benefits of this card is the low ongoing APR of 12.9%, ideal for those seeking to manage costs for unexpected expenses or large purchases over time. The card offers 0% interest on new spending and balance transfers for three months, along with a zero balance transfer fee in the introductory period, which is attractive for consolidating other credit card balances efficiently.

Dikkate Alınması Gereken Dezavantajlar

Once the three-month introductory period ends, balance transfer fees rise to 5%. The interest-free offer does not apply to cash advances or payment protection premiums. Approval can be restrictive if you have recent CCJs or defaults, and you must ensure timely payments to keep your promotional rates.

Bizim Kararımız

The TSB Advance Credit Card is well-suited for those with good credit who want a simple, low-rate card to manage purchases and transfers affordably. With a competitive introductory offer and contactless payment support, it provides flexibility, though it’s important to note the stricter criteria for eligibility after the promo period.