Co-operative Bank Three-Year Fixed Rate Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Co-operative Bank Three-Year Fixed Rate Card4.8/5

Co-operative Bank

Annual fee
£0
Rewards rate
The Co-operative Bank 3-Year Fixed Rate Credit Card is designed for low-interest borrowing, offering a fixed 8.9% APR on purchases and balance transfers for three years rather than traditional cashback or rewards.
Welcome Bonus
The Co-operative Bank 3-Year Fixed Rate Credit Card generally does not offer a traditional upfront cash welcome bonus.
Apply Now →on Co-operative Bank's website
Regular APR:8.9% Fixed for 3 years, then 18.2% Variable

  • No rewards breakdown available

Welcome Bonus:

The Co-operative Bank 3-Year Fixed Rate Credit Card generally does not offer a traditional upfront cash welcome bonus.

Reward Rate:

The Co-operative Bank 3-Year Fixed Rate Credit Card is designed for low-interest borrowing, offering a fixed 8.9% APR on purchases and balance transfers for three years rather than traditional cashback or rewards.

APR:

8.9% Fixed for 3 years, then 18.2% Variable

The Co-operative Bank Three-Year Fixed Rate Card stands out as the top choice because it offers a fixed 8.9% APR for three years, making it ideal for those looking for predictable monthly repayments without the worry of fluctuating interest rates.

Pros:

  • No annual fee
  • Fixed rate for 3 years

Cons:

  • No traditional rewards
  • Higher rate after 3 years
Apply now →

The Co-operative Bank Three-Year Fixed Rate Card is best suited for individuals seeking stability in their credit card payments, as its fixed 8.9% APR provides predictable monthly repayments for three years. With no annual fee, it may appeal to those who prefer a straightforward card without the complications of rewards or welcome bonuses.

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