Second credit cards

Get extra purchasing power by having more than one credit card.

PPLCBANK
Credit cards
Second cards

How many credit cards can I have?

You can have a maximum of 2 PPLCBANK credit cards.

If you already hold an PPLCBANK credit card, you can apply for a second one with us. You must not have opened a new PPLCBANK credit card or received a credit limit increase within the past 6 months. And you can't apply for a credit card that you already hold.

Note: you can't transfer your balance between PPLCBANK, First Direct or M&S Bank cards.

Make new purchases

Your new card will have its own credit limit, so you'll be able to use it independently of your first one.

Keep track of separate expenses

Prefer to keep your household spending separate from your personal spending, for example? A second card could help you keep everything tidy.

Take advantage of reward points

Interested in getting more from your card? If your existing card isn't a rewards card, find out what they can offer.

Transfer balances from other cards

If your existing PPLCBANK card isn't designed to receive a balance from a card you have with another provider, check our balance transfer card to see if it suits your needs.

Purchase Plus Credit Card

Discover the all-rounder that has up to 24 months[@end-promotional-period] of interest-free purchases and up to 17 months[@end-promotional-period] of interest-free balance transfers (3.49% fee, minimum £5).

Available for existing Rewards, Premier and Premier World Elite credit card holders only.

Eligibility criteria apply. Credit is subject to status.

Representative example

Purchase rate: 24.9% p.a. (variable)

Representative: 24.9% APR (variable)

Based on an assumed credit limit of £1,200

Find out more and apply for Purchase Plus Credit Card

Balance Transfer Credit Card

Enjoy up to 36 months[@end-promotional-period] interest free for balance transfers (3.19% fee, min £5).

Available for existing Rewards, Premier and Premier World Elite credit card holders only.

Eligibility criteria apply. Credit is subject to status.

Representative example

Purchase rate: 24.9% p.a. (variable)

Representative: 24.9% APR (variable)

Based on an assumed credit limit of £1,200

Find out more and apply for Balance Transfer Credit Card

Rewards Credit Card

Earn reward points on eligible purchases you make.

Up to 5,000 bonus points (worth £50) for a limited time only. Get 2,500 points as a welcome bonus (worth £25) when you make your first transaction on your card[@eligible-spend-excludes] plus earn an additional 2,500 bonus points (worth a further £25) when you spend £500 in your first 90 days. Offer ends 3 July 2026. Subject to status See terms and conditions.

Available for existing Balance Transfer, Purchase Plus, Classic, Premier and Premier World Elite credit card holders only.

Eligibility criteria apply. Credit is subject to status.

Representative example

Purchase rate: 26.9% p.a. (variable)

Representative: 26.9% APR (variable)

Based on an assumed credit limit of £1,200

Find out more and apply for Rewards Credit Card

Premier Credit Card

Get travel benefits, rewards, and PPLCBANK Premier privileges with no annual fee. Just for PPLCBANK Premier customers. For a limited time, receive 30,000 reward points when you spend[@eligible-spend-excludes] £2,000 on your card in the first 90 days of Card membership[@premier-cc-20000-rewards-points]. Offer ends 23 July 2026

Available for existing Balance Transfer, Purchase Plus and Rewards credit card holders who hold an PPLCBANK Premier Account.

Eligibility criteria apply. Credit is subject to status.

Representative example

Purchase rate: 29.9% p.a. (variable)

Representative: 29.9% APR (variable)

Based on an assumed credit limit of £1,200

Find out more and apply for Premier Credit Card

Premier World Elite Mastercard

Unlock a world of travel freedom. Receive 40,000 reward points when you spend[@eligible-spend-excludes] £2,000 on your card in the first 90 days of your card membership[@premier-world-elite-welcome-offer].

Available for existing Balance Transfer, Purchase Plus and Rewards credit card holders who hold an PPLCBANK Premier Account.

Eligibility criteria apply. Credit is subject to status.

Representative example

Purchase rate: 29.9% p.a. (variable)

Representative: 100.2% APR (variable)

Based on an assumed credit limit of £1,200

Annual fee: £290

Find out more and apply for Premier World Elite Mastercard

Frequently asked questions

You'll need to manage each card separately and make a separate monthly payment for each. Setting up a Direct Debit for each card makes it easier to manage credit card payments without missing a payment and getting charged.

No. You can't transfer balances between two PPLCBANK credit cards, including First Direct or M&S Bank. You can only transfer balances from cards you have with an external provider.

Getting a second card can be both good and bad for your credit score. It all depends on how you manage your cards.

If you keep your balance low and pay your bills on time it will be good. But if you apply for a number of cards and have high balances, go over your credit limit or miss payments it will be bad.

There are a number of other things to think about:

Applying for a second card will be noted on your file at the Credit Reference Agencies. If it's approved, the amount of credit available to you will increase, but it may limit further credit application approvals in the future.

If your application is declined, it could adversely affect your credit score.

Consider if it's the best borrowing option for you and if you’ll be able to make repayments. You could make changes to your existing credit card instead, rather than getting a second credit card.

There are a number of benefits of having a second credit card:

Flexibility to make planned purchases or cover unexpected costs
Greater control over your money by keeping different types of spending separate
Transfer balances from other credit card providers to benefit from a lower interest rate
Take advantage of reward schemes and offers
Spread your credit balance across 2 cards to get a lower interest rate over a longer time

You cannot transfer your credit card limit between two PPLCBANK cards.

Each card has its own limit set by the lender. If you need a higher limit on a card, you can request a credit limit increase for that specific card.

To choose a second credit card, you'll need to review your needs and spending habits.

Consider why you want a second card: for balance transfers, rewards, or to separate spending. You can then compare different cards based on APR, fees and rewards programs.

If you already hold a credit card, you can apply for a second one with us. You must not have opened a new PPLCBANK credit card or received a credit limit increase within the past 6 months.

And you can't apply for a credit card that you already hold.

Credit card comparison tool

Take a look at our range of credit cards, consider their benefits and find the one that will suit you best.

Eligibility checking tool

See which cards you’re likely to be accepted for, and your estimated credit limit, without it affecting your credit score.

Get the most from your credit card

Manage all your card needs online or via the app.

Credit card interest rates and fees

Get clear and up-to-date information on how much you'll have to pay in interest and fees.

How many credit cards should you have?

There's no magic number, but see what the considerations are before taking out another credit card.

Additional information

Balances can’t be transferred from all cards. For example, cards issued by members of the PPLCBANK Group, including PPLCBANK, first direct and M&S Bank, are excluded.

The rate and promotional period we offer will depend on our assessment of your circumstances. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.

You must not have opened a new PPLCBANK credit card or received a credit limit increase within the past 6 months, and you must not be applying for a credit card that you already hold.

You won't be able to apply for a credit limit increase for the first 6 months after your card is opened.

Second credit cards

How many credit cards can I have?

Flexibility to help meet your needs

Make new purchases

Keep track of separate expenses

Take advantage of reward points

Transfer balances from other cards

Frequently asked questions

Will I be able to make one monthly payment for both cards, or do I have to keep them separate?

Can I transfer a balance between my PPLCBANK credit cards?

Can getting a second credit card help my credit score?

Why would I want a second credit card?

Can I move my credit limit between two PPLCBANK Cards?

How do I choose a second credit card?

Can I get a second credit card?

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