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Smile Credit Cards

About Smile

One of the first online banks, Smile was launched by the Co-operative Bank in 2000. With a reputation for excellent customer service, Smile offers credit card holders free independent financial advice, discounts on Co-operative holidays and free insurance. Like the Co-operative, Smile is an ethically sound provider – refusing to deal with organisations that have negative ecological status, connections to arms dealing and human rights infringements.

Credit Cards		0% Purchases	0% Balance Transfers	APR Representative (Variable)
	Smile Classic Credit Card (non smile acct holders)	No 0% Purchase Offer	No 0% Balance Transfer Offer	20.9^%	—
20.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 20.9% p.a(variable).
	Smile Classic Credit Card (Smile Acct holders)	No 0% Purchase Offer	No 0% Balance Transfer Offer	16.9^%	—
16.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.9% p.a(variable).
	Smile Gold Credit Card (non Smile Acct holders)	No 0% Purchase Offer	No 0% Balance Transfer Offer	18.9^%	—
18.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 18.9% p.a(variable).
	Smile Gold Credit Card (Smile Acct holders)	No 0% Purchase Offer	No 0% Balance Transfer Offer	12.9^%	—
12.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 12.9% p.a(variable).
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You may also want to consider...

Credit Cards		0% Purchases	0% Balance Transfers	APR Representative (Variable)	Rewards
	Virgin Credit Card You are over 25 years of age. You have a Good Credit History. You are in full time employment. You are a permanent resident / citizen of the UK. You have a Bank or Building Society account.	3 months	20 months	16.8^%	Great Discounts on Virgin Products
		Instant Decision
16.8% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.8% p.a(variable).
	Vanquis Credit Card Free Additional Cardholder No Annual Fee	No 0% Purchase Offer	No 0% Balance Transfer Offer	39.9^%	You’ll start with an easy to manage credit limit between £250 and £500. You could get a Credit Limit increase on your 4th statement.
39.9% APR representative (variable). Based on a credit limit of 1000 and purchase rate 39.9% p.a(variable).
	Aquacard	No 0% Purchase Offer	No 0% Balance Transfer Offer	35.9^%	Low interest rate and no annual fee
35.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 35.9% p.a(variable).
	Halifax All in One Master Card	13 months	13 months	17.9^%	—
17.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 17.9% p.a(variable).
	NatWest Platinum Card 0.0% for 20 months on Balance Transfers 0.0% for 6 months on Purchases	6 months	20 months	17.9^%	Great discounts with NatWest travel service
		Available exclusively to customers with a NatWest current account
17.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 17.9% p.a(variable).
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