Compare our credit cards

Compare credit cards desktop

Are you eligible?

See the chance of your application being accepted without affecting your credit rating.
Find out now
Card 150x 94

Balance Transfer Credit Card

Card offer
  • Our longest 0% balance transfer offer. Your APR and offer period will be dependent on personal circumstances.
Balance transfer
  • 0% for up to 35, 26 or 18 months when made in the first 3 months.*
  • 0% for 3 months on purchases from account opening.
  • 2.85% balance transfer fee.
Representative example:

Representative (variable):

18.9% APR

Purchase rate (variable):

18.9% p.a.

Assumed credit limit:


Annual fee:

Card 150x 94

Low Rate Credit Card

Card offer
  • Low interest rate on purchases and balance transfers. Your personal APR will be dependent on your personal circumstances
Balance transfer:
  • N/A
  • N/A
  • A 2.99% balance transfer fee applies
Representative example:

Representative (variable):

6.5% APR

Purchase rate (variable):

6.5% p.a.

Assumed credit limit:


Annual fee


Manage your card

Make a payment, check your balance, update your details and more
*Balance Transfer Card important information

Balance Transfer Card

You may receive a shorter introductory balance transfer period (26 or 18 months) and a higher APR (21.9% or 24.9%) based on your individual circumstances. Balance transfers must be made within three months of account opening.


Applying for a credit card

Can I apply for an credit card if I am under 18?

No, you have to be aged 18 or older to apply.

Can I apply for a credit card if I live in the Channel Islands or the Isle Of Man?

No, only residents of England, Scotland, Wales and Northern Ireland can apply.

Will a credit check be made?

Yes, a credit check will be completed to ensure that the card you've applied for is right for you. This may impact your ability to get credit in the short term.

How will I know my credit limit?

If following your online application you received an instant approval, you'll see confirmation of your credit limit on-screen. Confirmation of your credit limit will also be sent by email, and posted with your card, once your application has been processed.

Who do I contact if I do not receive my card within seven days?

Please get in touch with customer services by calling 0345 600 5606† immediately.

How can I make a balance transfer?

You can request a balance transfer as part of your online application. You will need the card number of the account you wish to transfer the funds from, and the amount to be transferred.

If you have already applied for one of our credit cards and wish to make a balance transfer, you can do this through your online servicing account. If you do not have an online account yet, you can register at Alternatively, you can call us on 0345 600 5606† and we can complete the Balance Transfer application for you over the phone. You will need the same card information as above.

Note the minimum amount you can request to transfer is £100, and the maximum amount will depend on your credit limit. It may take between two and three weeks to process your application. During this time you will need to continue making payments to your original credit card until you receive confirmation that the transfer has been successful.  As our credit cards are provided by Bank of Ireland UK, you cannot transfer balances from any other credit card you hold that is provided by Bank of Ireland UK. If applicable, to benefit from the 0% interest period, this must be done within the first three months of taking out the credit card.

Where can I find more information on your credit cards?

If, for any reason, you feel you don't fully understand our credit cards or the commitment you will enter into by applying for one, it is advisable to take further time to consider your application or to discuss it with a family member or friend. If you have any further questions about the credit card or require an explanation of any of the information provided, please call us on 0800 032 2004†, and we can answer any questions you may have that could help you with your decision.

If my application is declined, how can I appeal the decision?

If your application is declined and you would like to appeal our decision, call our customer services on 0345 600 5606†. You may be asked to provide additional information to support your appeal, but there is no guarantee that this will change our original decision.

What is a Contactless payment?

Contactless is a fast, easy and secure way to pay for goods and services under £30 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.

What is the Lending Code?

The Lending Code sets standards of good lending practice which Bank of Ireland subscribes to. It provides valuable protection for you as a consumer and explains how financial institutions should deal with you day-to-day and in times of financial difficulty.

FuelSave Credit Card

How often will I get my cashback?

Your account will be automatically credited every three months in March, June, September and December each year with the cashback amount you have earned on each of the three months purchases and fuel spend at eligible retailers. The cashback you have earned will show as a credit on your monthly statement as "Rewards Cashback".

Will I earn cashback on all spend?

You can earn cashback on all purchases, amounts vary:

  • You will earn 0.5% on all other spend excluding fuel If you spend £500 or over on your card the cash back will be 4% of fuel spend.
  • If you spend below £500 on your card (all purchases including fuel) you will receive 2% cashback on your fuel spend.
  • The maximum amount of cashback that can be earned each calendar year will be a maximum of £150.
Where do I need to purchase my fuel from to qualify for fuel cashback?

You will earn cashback on your monthly fuel spend in eligible retailers, which are service stations with fuel facilities that are identified by the Merchant Category Codes 5541 or 5542, this could also include items purchased in forecourts such as food Petrol stations within the Merchant Category Codes include, but are not limited to, BP, Tesco, Esso, Murco, Shell, Sainsbury's, Texaco, Asda, and Morrisons.

How do I qualify for my 12 months vehicle roadside Breakdown Cover?

If you are not an AA member at the time that you apply for your credit card you will qualify for 12 months AA Vehicle Roadside Breakdown Cover. You will need to activate your AA FuelSave Credit Card by making a purchase, cash withdrawal or balance transfer within the first 12 months of account opening to receive the Breakdown Cover. The Breakdown Cover is only available to the primary AA FuelSave Credit Card holder who resides at the address on the AA FuelSave Credit Card Account.

Why do I need to provide an email address to get my breakdown or MOT?

Your annual MOT offer code will be emailed to you annually from when you first activated your AA FuelSave Credit Card or at the anniversary of your Breakdown Cover.

How do I redeem my Breakdown Cover?

Redemption details will be sent by email up to 40 days after the end of the month you make your first transaction that activates the AA Credit Card. You will need to follow the instructions in the email to set up your Breakdown Cover. An offer code will be included in the email and will expire 3 months from the date of the email.

What happens after the first 12 months of Breakdown Cover?

This offer is only available for the first 12 months of cover, thereafter, if you would like to renew the price for breakdown cover will depend on level you choose at the time of renewal. A letter will be sent to you towards the end of your 12 month offer period. You will be given plenty of time to respond before your membership starts to become payable.

For the subsequent years that you hold your AA FuelSave Card you will receive annual MOTs at no extra cost.

Can I upgrade my Breakdown Cover?

Once you've activated your Breakdown Cover, you will receive your AA membership card together with the AA Vehicle Membership Roadside Breakdown Cover Terms and Conditions. You can ask to upgrade your Breakdown Cover to Personal and add on Home–Start, Relay, and Stay Mobile to your Breakdown Cover at the applicable price during the offer period.

How do I qualify for the MOT offer?

You will qualify for the annual MOT offer when you activate your FuelSave Credit Card by making a purchase, cash withdrawal or balance transfer within the first 12 months of account opening. If you are not an AA Member at the point of applying for your credit card then you will receive Breakdown Cover instead of an MOT in the first year that you hold the card. Redemption details, will be sent by email up to 40 days after the end of the month you make your first transaction that activates the credit card. You will need to follow the instructions in the email to arrange your MOT. The MOT offer code must be redeemed within 13 months of your receipt of the redemption email.

Where can I use my free MOT?

The free annual MOT check is currently provided by National Tyres and Autocare Limited, they have over 200 branches in the UK. You can search for your nearest branch here

How long do I have to redeem my free MOT?

You will qualify for a free annual MOT offer when you activate your FuelSave Credit Card by making a purchase, cash withdrawal or balance transfer within the first 12 months of account opening.

How do I redeem my free MOT?

Redemption details, including a unique offer code, will be sent by email up to 40 days after the end of the month you make your first transaction that activates the AA Credit Card. You will need to follow the instructions in the email to arrange your free MOT. The free annual MOT check is currently provided by National Tyres and Autocare Limited.

Are there any limits to the free MOT?

The free annual MOT offer is valid for a single Class 4 MOT test at National Tyres and Autocare service centres (standard rate: £54.85) or any other service centres as notified to you from time to time and must be redeemed within 13 months of your receipt of the redemption email. The vehicle presented for testing must be registered at the same home address as your FuelSave Credit Card Account and you will be required to show the FuelSave Credit Card and the offer code in order to claim the free MOT. If you are unable to do this, you may be charged for any MOT completed. Any work required to pass the MOT is not included in the offer. The unique code can only be used once and will expire on checkout.

How often will the FuelSave Credit Card fee be taken & how?

There is no annual fee for the first 12 months. After that, you will be charged an annual fee of £42 for your FuelSave Credit Card. This will consist of 12 monthly charges of £3.50, which will appear on your monthly statement as a transaction.

What if I have a query with my cashback?

If you have a query with your FuelSave Credit Card call Customer Services on 03456 005 606, who will be happy to help with any questions.


What do I do if my card is lost or stolen?

If you suspect that your credit card has been lost or stolen, or that someone else knows your PIN, please call us on 0345 600 5606† immediately.

When will I receive my PIN?

You can view your PIN immediately after your credit card arrives in the post – all you need to do is register for online servicing at Your PIN will also be posted to you, and will arrive 2-3 working days after your credit card. When you receive your PIN by post, memorise it and destroy any record of it. You should never tell anyone your PIN.

Can I change my PIN?

Yes, you can change your PIN at most MasterCard branded cash machines, but you’ll need to know your existing PIN. If you’ve forgotten your PIN, you can view it online by logging into/registering for online servicing. Alternatively please call us on 0345 6007 5606† and we will post you a new PIN, however it can take up to 5 working days for your new PIN to arrive by post.

What should I do if my PIN is locked, or I forget my PIN?

You always have three chances to enter your PIN correctly at an ATM or when you’re trying to pay using your credit card. If you enter it incorrectly three times in a row, your PIN will be blocked. If you blocked your PIN by mistake, but do know what your PIN is, you can unblock it in the following ways: if you blocked your PIN at an ATM, it will automatically unblock after 24 hours, if you blocked it when making a purchase, you can unblock it by using an ATM attached to a bank by selecting ‘PIN/Card services’ and then ‘Unblock your PIN’. If you need help you can call us on 0345 600 5606† and we can unlock your account and post you your new PIN, however it can take up to 5 working days for your new PIN to arrive by post.

If you forget your PIN, you can view it online by logging into/registering for online servicing. Alternatively please call us on 0345 600 5606† and we will post you a new PIN, however it can take up to 5 working days for your new PIN to arrive by post.

Servicing your account

How can I manage my account?

You can manage your account online by registering for online servicing at Registration is quick and easy and one registered, you’ll be able to make payments, view your PIN, view your statements and many more.

You can also use your smartphone to manage your card on the go. Our credit card servicing app is free to download and is available in iOS and Android from the dedicated app stores.

Alternatively if you have a question about your account you can call our Customer Services team on 0345 600 5606†.

How can I make payments to my credit card?

You can set up a Direct Debit when you are applying online, or set it up online after your register for Online Servicing. Alternatively you can make instant and secure one-off payments to your credit card using our Online Servicing or the AA Credit Card mobile app.

You can also pay by phone, or by using your internet banking if your current bank or building society provides this.

Please see the back of your statement for details on all payment options.

How will my payment be used to pay my outstanding credit card balance?

When you make a payment, the money you give us will come off your credit card balance in this order:

1 – Balance with the highest interest rate first: your payments will be used to pay off any outstanding balance that you owe in the order of highest interest rate to lowest interest rate. This means that the balance at the highest interest rate will be paid off first.

2 – If you have more than one outstanding balance at the same interest rate: your payment will be used to pay cash advances first, then the things you’ve bought (including anything you bought in your introductory period), then any fees and charges, before lastly paying any promotional balances. (A promotional balance is a balance at a different interest rate to your standard APR for a limited period). The exception to this is that any default charge you haven’t yet had to pay interest on, in which case the default charge will be paid off last.

3 – If you have more than one promotional balance at the same interest rate: your payment will go to pay the balance where the promotional period ends first.

If you’ve given us more than your monthly statement balance, anything left over will go against transactions that have not yet appeared on your statement in the same order as those that have. This simply means that if you pay us more than you owe us in a particular month, the extra money will go towards clearing your next transactions in the same order as your existing ones.

How can I cancel my Direct Debit?

If you wish to cancel the Direct Debit to your credit card, you will need to contact your bank or building society directly.

How often will I receive a statement?

You will receive a statement every month, unless there are no transactions and you do not owe anything.

What can I do if I am having difficulty paying?

If you do feel you are getting into financial difficulty, it's important that you contact us on 0800 917 9157† as soon as possible so we can help. You can also find information on where to get financial advice in our Managing your finances information.

Using your card abroad

Will I get charged for spending abroad?

If you use your credit card to pay for non-sterling transactions while you are abroad, or when you make purchases made in foreign currencies online or over the phone, a 2.99% non-sterling transaction fee will be added to the sterling value. When you use your card overseas, your payment will be converted into sterling at the rate determined by the current MasterCard exchange rate at

Will I get charged for cash advances?

When you withdraw cash advances abroad using your credit card, you will be charged 2.99% of your withdrawal or £3, whichever is greater. This is in addition to the non-sterling transaction fee. If you withdraw cash abroad you'll be charged interest even if the account is paid off in full.

Online fraud prevention

What is MasterCard SecureCode?

MasterCard® SecureCode is a fraud prevention service to protect your credit card details when purchasing goods and services online from any retailer participating in the service.

How does MasterCard SecureCode work?

Once you've registered and created your own private SecureCode, you will be automatically prompted by your financial institution at the checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.

What is the Card Security Code (CVC2)?

The Card Security Code (CVC2) is the last three digits that appear on the back of your card, on the signature panel. It is used as an extra security measure to make sure you are in the possession of the card you are using.

What if I have problems during the activation process?

If you have any queries during the activation process please call customer services on 0345 600 5606†.

Can I purchase at online retailers that do not participate in the MasterCard SecureCode service?

You can still use your cards with retailers that do not participate in the MasterCard SecureCode service, simply follow the normal payment process.

Help and guidance
We want to make sure that managing your finances is as straight-forward as possible. That’s why we have written some guides to help you both everyday or when things aren’t going quite as you’d planned.

Managing your money
Money worries
Caring for others
Divorce and separation

Contact us
Using your credit card abroad

For purchases in a foreign currency you will be charged a fee of 2.99%, including when you're shopping online or over the phone in the UK.

If you use your credit card to get cash advances, you will be charged an additional cash fee of 2.99% and a higher interest rate. If you use an ATM, the provider may also apply additional fees and cash withdrawal limits. There is no interest free period on cash withdrawals made abroad.

The table below is an illustrative example based on a euro exchange rate of 1.141625 and a €100 spend.

 Overseas transaction

Purchase Cash advance
Euros €100 €100
Exchange rate 1.141625 1.141625
Sterling amount £87.59 £87.59
Non-sterling transaction fee 2.99% 2.99%
Cash fee subject to a £3 minimum charge n/a 2.99%
Total £90.21


Information correct as of 5th June 2017.

The exchange rate used is a sample rate provided by MasterCard. The actual rate applied will be the daily MasterCard exchange rate. This is the exchange rate set by MasterCard from time to time, as shown, where applicable, on your statement.

Check MasterCard exchange rates at

The rate on your statement will be calculated according to the rate at the time the transaction is posted to your Account.

The AA also offers a travel currency card. This is a prepaid card that does not charge an overseas transaction fee when making purchases abroad. You may also want to see our range of travel insurance.

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

Please read the Statement of Lender and Borrower Responsibilities which sets out our key responsibilities.

AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive credit card issuer.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). The AA Credit Card is provided by Bank of Ireland (UK) plc. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.