Say Cheese

Summary: The Smile credit card was in 2005 awarded the accolade of being the "best credit card" at the Guardian Consumer Finance Awards, quite an achievement but when you consider it is the four year in a row that it has done so

The Smile credit card was in 2005 awarded the accolade of being the "best credit card" at the Guardian Consumer Finance Awards, quite an achievement but when you consider it is the four year in a row that it has done so, speaks volumes of what type of credit card you will be buying into, if you feel that this is the right credit card for you. Launched by the Co-operative bank the smile credit card will also give you a better rate of APR on your card if you already bank with the company, so rewarding existing customers is high on the agenda. For example the standard APR for new customers is a competitive 12.8%(variable) a great rate, but if you are already banking with the company, you could see almost 3% cut from this APR, which will give you an annual APR of 9.9%(typical/variable) and add to that 0.5% cash back. Here are some crackers.

Typical APR of 12.8% (variable) for new customers.

Typical APR of 9.9% (variable) for existing customers.

Cash back of 0.5%.

First class customer service.

Online account management.

Ethical Policy.

90 day free trial on card protection. Smile! you will if you apply for this credit card and you will have a grin that you will find hard to wipe from your face, if you are a current customer or decide to bank with the Co-Op as well by having a current account. At last a credit card and bank that will reward custom.