Credit where it's due with our Gold Card

Spread the cost, boost your credit score and be ready for unexpected emergencies

As good as gold

How it works

get 0% interest on purchases for the first 12 months*
buy now and pay for it gradually over time
be ready for any unexpected emergencies.

*after 12 months the rate on your outstanding balance will change to the Standard Variable Rate at this time.

What to expect

apply in minutes, with no lengthy forms
no annual fee
average credit limit offered is £7,800**
make payments straightaway using Apple Pay and Google Pay

**based on all accepted credit card applications over 2025.

Representative example

representative 24.9% APR (variable)
purchase rate 24.9% p.a. (variable)
based on an assumed credit limit of £1,200.

Before you apply

Useful information

The below might not be the most interesting, but it’s definitely important you have a read before applying.

If you know there’s going to be changes to your personal circumstances, like maternity leave or changes to your employment, please apply by phone on 03 456 100 100.

Credit is subject to status.

Gold Card Summary Box

Repayment illustration

What you can expect to pay

We all know it makes financial sense to pay more than the minimum payment whenever possible.

Take a look at the example below (which includes introductory rates), for a hypothetical purchase of £1,000 on your Gold Card. If you only make the minimum payment each month, it will take you much longer to clear your balance and will cost you more.


	Minimum payment each month	£50 payment each month	£100 payment each month
Interest you'd pay in the 1st year	£0.00	£0.00	£0.00
Interest you'd pay in the 2nd year	£161.74	£41.61	£0.00
Length of time to clear the balance	18 years	1 year, 9 months	11 months

The above example makes a number of assumptions, including:

The transaction took place on first day of January
The credit card statement was produced 31 days later
No further transactions were made on the card
Payments were made on the 15th day of every month
Interest is calculated based on the representative 24.9% APR variable rate
Introductory rates are included

If you set up a recurring transaction (sometimes called a continuous payment authority), for a regular payment like this, it’s seen as an agreement between you and the retailer – so, unfortunately, it won’t be covered by the Direct Debit Guarantee.

Purchase protection with Section 75 on purchases between £100 and £30,000

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.

Apply now