Accounts are linked to BT customers’ telephone and broadband accounts, so every time the card is used for a retail purchase, the cardholder will be rewarded with money off their BT bill automatically. For the first £250 of spend on the card each month, customers will earn one pence for every two pounds of purchases, with no minimum spend required. Above £250 of card purchases per month, customers will earn double the discount on their BT bill: one penny for every additional pound spent.


Each BT Credit Card account holder can earn a discount off their BT bill of up to £75 per year – equivalent to more than nine months of free UK calls on BT’s Option 3 Anytime Plan. In addition, if more than one BT Credit Card account holder lives at the same household, they can save even more - each account holder can earn a discount up to £75 a year off the shared household BT bill. Another unique feature of the reward scheme is that it works totally automatically. There are no points to forget about, vouchers to lose, or numbers to call - the cardholders’ BT bill reduces as they spend.

The BT Credit Card offers a competitive 0 per cent pa on balance transfers for twelve months (3% fee is charged for balance transfers), and 0 per cent pa on card purchases for three months, reverting to a typical rate of 16.9 per cent APR (variable).