Credit Cards

Put an end to switching your credit card and transferring your balance with our flat rate credit card.

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Apply for a credit card

It's easy to apply for the Intelligent Finance credit card. Just use the online application. We should be able to give you an answer straight away, and we'll send you a credit agreement to sign and return.

Once everything is returned and approved, we'll issue your new card.

Balances cannot be transferred from an existing Intelligent Finance card or any other card issued by Halifax or Bank of Scotland.

Flat Rate Credit Card
8.9 %
APR Typical (variable)
Apply for our flat rate credit card and enjoy a typical rate of 8.94% p.a. (variable) on purchases and balance transfers.

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Intelligent Finance offer a range of services to ensure you can always use your credit card with complete peace of mind

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Moneyfacts 2007 award logo - Best credit card provider (standard rate)