Credit Builder Credit Card

Key facts
Representative APR	29.9% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	—
Foreign transaction fee	0% (no FX fee on purchases)
Standard purchase rate	29.94%
Cash withdrawal fee	Cash withdrawal fees apply
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.
Eligibility	Other BoS cards only shown via eligibility checker

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Source: bankofscotland.co.uk/creditcards/credit-builder.html · Last checked 30 October 2026

Figures are as published by Bank of Scotland when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.