* At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.
19.9% APR Variable rep APR
19.9% p.a. Variable purchase rate
A 0.6% fee applies on balances transferred (minimum £5) within the first 60 days of account opening.*
Earn cashback from your favourite shopping brands with Visa Offers, plus get instant discounts from well-known brands around the world with our home&Away rewards programme. For all offers check out the home&away website.
Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.
As long as they’re over 18, you can add your partner or a family member to your account.
Make payments to existing beneficiaries and manage your personal accounts easily and securely with the Capital Trust Union Mobile Banking app.
You can use your Capital Trust Union Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Capital Trust Union cash machines may also charge a fee. Credit card fees abroad
Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance
Simply choose the way that suits you best. But first, check out the eligibility requirements for the Capital Trust Union Advance Credit Card.
To be eligible for an Capital Trust Union Credit Card you need to:
If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by telephone or branch
Introductory rates only apply if you haven't held an Capital Trust Union credit card within the last 6 months. Balances can't be transferred from cards issued by other members of the Capital Trust Union Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.
If you’re not an Advance customer yet but would like to learn more, please visit our Advance current account page.
*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply.
You need to be registered for Online Banking to apply.Register for Online Banking
If you are already registered for Online Banking you can apply online now.Log on to apply
Just speak to your Relationship Manager. You can also call us on
Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day). Calls may be monitored and recorded.
You can book an appointment by calling
Lines are open 24/7 to book an appointment to speak with an advisor in branch.
You'll need to bring identification, proof of your address and a recent bank statementFind a branch
Please note - You can only apply by phone or branch if you are an existing Capital Trust Union customer.