So Ok..sue me for pinching Co-Op’s tagline for Smile credit card. I love them alot, especially them who provided alot of help for those of us with poor records of payment, messy family breakups, broken homes, redundancies and much more. The Co-Op Internet Bank is called ..SMILE. Literally and far from the Co-Op’s Honey Bright Yellow and the bee, their way is still the same, Ethical Banking. It’s a bank and yet it’s a Building Society, owned by members, co-operatively.

Their rate is far from being the lowest, but at 9.9% and Zero Percent Balance Transfer, they have the least charges that the other High Street Banks does, meaning THEY DON’T RIP YOU APART FOR BEING SHORT OF A PENNY!

Taking their credit card means you get a better rate on your savings and mini cash ISA, as much as 0.85% and 0.75% respectively, meaning THEY WANT YOU To SAVE. I want you to save, and as a co-op member, we benefit from spending on our card (which works like a debit card if you just clear the amount at the end of the month!) by earning points, which converts to cash and also dividends too! It’s complicated to the most, but I expect a nice voucher this month when I get my dividend statement.

And you still get points shopping at TESCO or ASDA or even Sainsbury’s! Every little Helps!