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Changes to your 1|2|3 Credit Card

We are making some changes to the 1|2|3 Credit Card. From 1 February 2017 all 1|2|3 Credit Card customers will receive the same benefits as follows:

You could earn up to £3 a month cashback in each of the categories below.

  • 1% cashback at all major supermarkets (on spend of up to £300 per month)
  • 2% cashback at all major department stores (on spend of up to £150 per month)
  • 3% cashback at all major petrol stations and on National Rail and Transport for London (TfL) travel (on combined spend of up to £100 per month)

If you applied for your card from 16 September 2015, this maximum limit already applies to the cashback you earn.
If you applied for your card before 16 September 2015, the change will apply to cashback earnings shown on statements you receive from 1 March 2017. In your March 2017 statement, the cashback changes will apply to any transactions included on this statement.

Standard interest rate
The standard interest rate will increase from 12.7% (variable) to 15.9% (variable). The change is only for your standard interest rates for purchases or balance transfers, so any existing balances on introductory or promotional rates will stay the same until the end of the introductory or promotional period. If your standard interest rate is currently higher than 12.7% (variable), you will not be impacted by this change. Please see our FAQ section below for further details.

0% foreign transaction fee
The foreign transaction fee is currently 0% until 31 December 2016. This will continue to be 0% as we are removing the end date until further notice. This means you won’t pay any foreign transaction fees when you use your credit card abroad for purchases paid in the local currency.

A £3 monthly fee applies.
If you applied for your card before 11 January 2016 we made you aware that your £24 annual fee would be replaced by a £3 monthly fee. Your first £3 monthly fee will be charged in the same month in which you first took out your card. We’ll charge your monthly fee automatically and send you a reminder before your first fee is due.

We're writing to all of our 1|2|3 Credit Card customers explaining the changes in full and how your individual circumstances will be affected.

Is the 1|2|3 Credit Card still right for you?
We hope that you'll continue to see the benefits of your 1|2|3 Credit Card.

You can see how much cashback you've been earning in each category on your monthly statement or in Online Banking, and you can use our calculator below to check how much cashback you could earn in the future, based on your monthly spend.

Cashback calculator


You can still earn cashback in all the same places you can currently. Check our retailer search list to see where you can earn cashback near you.

Where can I earn cashback?


If you no longer feel that it’s right for you, please see our full range of credit cards. You'll find all the information you need online, or you can talk to us in branch or by calling the number below.

Questions about these changes?
If you have any questions about these changes, would like to talk about your options, or want to close your account please call us on 0800 085 2214. Our lines are open Monday to Saturday 7am-9pm and Sunday 8am-9pm.

Frequently asked questions

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