As good as gold

The everyday spend Gold Card for spreading the cost, boosting your credit, and those other unexpected emergencies

Credit where it’s due

  • 0% interest on purchases within the first 12 months
  • No annual fees
  • Make payments straight away using Apple Pay and Google Pay
  • Apply in minutes with no lengthy forms to fill out
  • Section 75 purchase protection if something goes wrong*

How does it work?

During the first 12 months, the purchase rate is 0% interest. At the end of this promotional period the rate on your outstanding balance will change to the standard variable rate at the time. 

Here's a representative example:

Based on an assumed credit limit of £1,200

  • Representative APR - 24.9% APR (variable)
  • Purchase rate - 24.9% p.a (variable)

There's more information on how this all works in our credit card summary box.

Who can apply?

All we ask is:

  • you have a 1st Account with us
  • you’re 18 or over
  • you are a UK resident and live permanently in the UK
  • you have an annual income/pension of £6,800 or more (before tax)
  • you haven’t been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years (or in the process of doing so.)



Before you apply



Ready to apply?

If you're happy with how that all sounds, the easiest way to apply is using the first direct App.

Head to the App to get started.

Scan the QR code to open up the App



Other ways to apply