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Reviews - Smile Credit Card

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Excellent

Low interest, cashback, easy website

They can take ages!

Righty ho then! After I read the op on pennies slipping through the fingers by SueMagee I thought I’d give it a go…. Especially since Sue asked so nicely! I think we all need to write a bit less on lush and more on finance … ‘LOOK YOU LOT… stop throwing rotten...

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Competitiveness of APR
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Super

“A good option”

published 17/03/2003

Good interest rate, cashback

Not the greatest statements

I've had a Smile credit for almost 2 years. The intest rate is very good (around 10.5%), although this is still higher than Cahoot, at 7% - which I would recommend over this. There is no annual fee, and interest rates differ dependent on whether it is a regular, gold or platinum card - check the...

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Competitiveness of APR
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Excellent

Cashback, top security, easy online payment

Only available online - might be a disadvantage to...

Switched from Alliance and Leicester Cashback card to Smile 6 months ago, after a payment to A & L was delayed while I was on holiday and I got stung with an 'overdue payment' charge. REASONS FOR CHOOSING SMILE THE ETHICAL BANK. I always look for 'cashback' cards and pay the balance at the end of...

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Excellent

Good APR - including introductory 0%

No Frills/No Points Scheme - but cash back availab...

I have just received my new smile.co.uk credit card and have been extremely pleased with it from application to receipt to first use! APPLICATION Very easy - online at www.smile.co.uk via secure server. You then get an application form to sign and return (pre-filled) through the post. Once smile...

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Competitiveness of APR
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Excellent

“Smile Gold Card”

published 14/11/2005

easy statements viewing,rate can be lowered with o...

online bank so no branches to make payments in..

I have had the pleasure of taking out a smile gold card, noticing I can get a rate of 9.9% if I take a current account out, I did exactly that. It was exceptionally easy to get my cards and I found smile a really friendly and reasonably efficient provider. The fact they are ethical did also make...

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Competitiveness of APR
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Excellent

Six months interest free. Easy to apply on line.

Need a PC for ease of account servicing.

In my search for an interest free balance transfer from my current credit card I found Smile: The card offers 6 months interest free on balance transfers and purchases. After the initial 6 months the APR is 10.5% (9.9% if you have a current account with Smile) which is pretty competitive if you...

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Excellent

“My New Smile Card”

published 19/11/2002

Easy to use Website, Good Interest Rate

Only online statement provided

Applied for my new smile visa card shortly after moving my banking to smile from zurichbank.co.uk . Smile processed the application VERY quickly, in fact I had the card in my hands within a week. At the time, an interest free period of 6m was applicable to any balance transfer you made from other...

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Excellent

“Good, solid plastic”

published 05/05/2004

Good permanent rate

Only available on line

This credit card has a lot going for it: in particular, the permanent rate (forget the short-term incentives, this can be where it really hurts). There is also a reward (ie lower rate) for having other accounts with this bank. They also offer a percentage of spend (0.5%), which can be a bit of a...

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Good

Cash back, competitive interest, no fee

keep getting account blocked

Smile credit card has no annual fee, is competitive with interest, it is part of Cooperative Banking and it is at least 2.5% cheaper than the Coop. It also gives cash back - if you buy most items by credit card and then pay it off at the end of the month, cash back is quite good. Cash back is...

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Super

“Cashback makes me smile”

published 10/09/2003

Cash bank, good ethical company.

Slightly confusing website

I started out as a Smile bank account holder, which made it easier to apply for the account, plus I get better rates than I would have otherwise. For example with a current account I get a rate of 9.9% APR, without it's 10.5% (you can check comparisons with other credit card companies on the...

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Competitiveness of APR
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