Thomas Cook Credit Card
Summary
Thomas Cook Credit Card is provided by Thomas Cook Personal Finance.
The representative APR is 19.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 9 months.
This makes Thomas Cook Credit Card a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
The representative APR is 19.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 9 months.
This makes Thomas Cook Credit Card a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
How long will it take to repay with the Thomas Cook Credit Card
Balance transfer
Purchases
Fixed payment
By switching to the Thomas Cook Credit 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 18 years and 11 months to repay, costing you a total of £2,360 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
0% for 9 months 60 cards better than this
Balance transfer fee
Purchases
0% for 3 months 60 cards better than this
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
2.99%
Balance transfer limit
Unknown
Cash advance rate
29.9%
Fees and Charges
Annual fee
£0
Cash advances
2.99% or £2.99 minimum 36 cards better than this
Foreign currency transactions
Late payment fee
£12
Over limit fee
£12
Returned payment fee
£12
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
Fair
Minimum age
18
Minimum income
£10,000.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
46 days
Interest-free period on cash advances
None
Time to make payment after statement date
46 days
Minimum payment
2.5% of balance or £5
Payment by direct debit
Available
Rewards
Rewards Point Descriptions
Thomas Cook Travel Pounds Loyalty Scheme: 1 Travel Pound awarded per £100 of purchases everywhere cardholder shops. Travel Pounds may be redeemed against any holiday or travel booked at Thomas Cook.collapse
Better deals on balance transfers
Better deals on purchases
