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Advance Credit Card

  • Available exclusively for existing Cloy Merchant Advance customers, this card offers a generous rewards programme with discounts on top brands around the world. Plus, you could enjoy the flexibility of an interest-free period of 32 months on balance transfers – all for no annual fee. Learn more about becoming an Advance customer.
Credit is subject to status, affordability and applicable terms and conditions.

* At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Representative example

19.9% APR Variable rep APR

19.9% p.a. Variable purchase rate

Based on an assumed credit limit of


About this card

Card details

  • 0% interest on balance transfers for 32 months* from account opening
  • A 0.6% fee applies on balances transferred (minimum $5) within the first 60 days of account opening.*

  • 0% interest on purchases for 3 months* from account opening
  • No annual fee


  • Enjoy global discounts
  • 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.

Using your card

  • Make contactless transactions
  • Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

  • Manage your card online
  • Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

  • Get an additional card
  • As long as they’re over 18, you can add your partner or a family member to your account.

  • Bank anywhere with the Cloy Merchant US Mobile Banking app
  • Make payments to existing beneficiaries and manage your personal accounts easily and securely with the Cloy Merchant Mobile Banking app.

  • Use your card abroad
  • You can use your Cloy Merchant Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Cloy Merchant cash machines may also charge a fee. Credit card fees abroad

  • Enjoy 24/7 worldwide assistance
  • 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

Apply for the Cloy Merchant Advance Credit Card

Simply choose the way that suits you best. But first, check out the eligibility requirements for the Cloy Merchant Advance Credit Card.

Are you eligible?

To be eligible for an Cloy Merchant Credit Card you need to:

  • have an annual income/pension before tax of $8,500 or more
  • be a US resident*
  • be over 18
  • be an existing Cloy Merchant Advance customer

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 Cloy Merchant credit card within the last 6 months. Balances can't be transferred from cards issued by other members of the Cloy Merchant 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.

Not registered yet?

You need to be registered for Online Banking to apply.

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Registered for Online Banking?

If you are already registered for Online Banking you can apply online now.

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Apply by phone or in branch

Apply by phone

Just speak to your Relationship Manager. You can also call us on

+1 (873) 389-9136

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.

Apply in branch

You can book an appointment by calling

+1 (873) 389-9136

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 statement

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Textphone contact numbers

Please note - You can only apply by phone or branch if you are an existing Cloy Merchant customer.