Coutts Gold Card
From Coutts
Summary
Coutts Gold Card is provided by Coutts.
The representative APR is 31.7%APR variable.
Coutts Gold Card is one of the few credit cards designed specifically for people that have either never had credit, or have had credit problems (like CCJs and defaults) in the past.
This means that this card may be a good option, if you have a poor credit rating or have recently been declined by other card providers.
The representative APR is 31.7%APR variable.
Coutts Gold Card is one of the few credit cards designed specifically for people that have either never had credit, or have had credit problems (like CCJs and defaults) in the past.
This means that this card may be a good option, if you have a poor credit rating or have recently been declined by other card providers.
How long will it take to repay with the Coutts Gold Card
Fixed payment
By switching to the Coutts Gold Card, you could pay off £1000 in by budgeting £50 each month. This would effectively cost you £50.
Minimum payment
By comparison, if you only make the minimum payment each month, it would take 9 years and 4 months to repay, costing you a total of £1,816 on top of the original balance!
If this seems high, that's because your minimum payment is calculated as a percentage of your balance. This means each payment will be slightly lower than the month before which will have less effect on clearing your balance. So be smart and pay as much as you can afford!
Rates & Charges
Introductory rates
Balance transfers
Not available
Balance transfer fee
Not available
Purchases
Not available
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
Unknown
Balance transfer limit
Unknown
Cash advance rate
14.7%
Fees and Charges
Annual fee
£90
Cash advances
2% or £1.5 minimum 17 cards better than this
Foreign currency transactions
Late payment fee
£0
Over limit fee
£0
Returned payment fee
£0
Insurance and Protection
Payment protection
Payment protection
Free warranty cover
Free price protection insurance
Online fraud protection
Online fraud protection
Travel insurance
Travel insurance
Lost luggage cover
Travel delay insurance
Travel insurance upgrade
Requirements to qualify
Minimum credit history
Excellent
Minimum age
21
Minimum income
£100,000.00
Must be employed
Yes
Repayment
Interest charged from
Uknown
Interest-free period
46 days
Interest-free period on cash advances
None
Time to make payment after statement date
46 days
Minimum payment
5% of balance or £5
Payment by direct debit
Available
Rewards
Rewards Point Descriptions
Courtesy of Coutts: Courtesy of Coutts awards the cardholder with points for purchases made with the Gold Card, to be redeemed in the following ways: Money off or free flights, hotel accommodation, and car hire in association with easyJet and ebookers.com. Discounted or free wines courtesy of Lay & Wheeler wine merchants. Donations on the cardholder's behalf to a selection of charities.
Rewards Shopping Descriptions
Enjoy special offers, and the occasional free gift from the Natwest Wine Club. Call 0870 162 0331 for information on the latest offers. Over 18s only.
Better deals on balance transfers
Better deals on purchases
