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Balance Transfer Credit Card
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Balance Transfer Credit Card

Balance transfer free period   24 months

Cost for balance transfers (%)   3%

Annual cost   £0.00

Representative APR   34.9%

Representative Example: The standard interest rate on purchases is 34.94%p.a., so if you borrow £1,200 the Representative APR will be 34.9%APR. 0.00 annual fee.

Do you Qualify?

 

  • UK Resident – Yes
  • Minimum Age – 18 years old 
  • Minimum Income –  Not specified 

Important information 

 

  • In order to check your eligibility, Capital One will supply your personal information to credit reference agencies (CRAs)
  • You have not been declated bankrupt in the last 12 months
  • You are more likely to be accepted if you are on the electoral roll
  • Up to £8,000 credit limit
0% Balance Transfer Fee Credit Card
0% Balance Transfer Fee Credit Card

Balance transfer free period   20 Months

Cost for balance transfers (%)   2.99%

Annual cost   £0.00

Representative APR   24.9%

Representative Example: The standard interest rate on purchases is 24.9%p.a., so if you borrow £1,200 the Representative APR will be 24.9%APR. 0.00 annual fee.

Do you Qualify?

 

  • UK Resident – UK residential address
  • Minimum Age – 18 years old 
  • You have an annual income/pension before tax of £6,800 or more
  • You haven't been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years

 Important information 

 

  • £500 Minimum credit limit (subject to status)
  • Apple Pay and Google Pay compatible
  • Available to existing 1st Account holders only

 

The Co-Operative 0% balance transfer Credit Card
The Co-Operative 0% balance transfer Credit Card

Balance transfer free period   0% for 2 years

Cost for balance transfers (%)   3%

Annual cost   £0.00

Representative APR   20.6%

Representative Example: The standard interest rate on purchases is 20.6%p.a., so if you borrow £1,200 the Representative APR will be 20.6%APR. £0.00 annual fee.

Do I Qualify? 

 

  • Must be 18 or over.
  • Must be a UK resident.
  • Must earn a minimum of £10,000 per year.
  • Must be employed full time, part time, self-employed or retired.

Important Information:

 

  • 3% balance transfer fee (minimum charge of £5).
  • £0 annual fee.
  • An easy-to-manage place to pay back all your existing credit card balances.
  • 60 days to transfer your balance after account opening, to give you the time to arrange your finances.
  • 2.75% of the transaction amount is charged when you use your credit card to make a purchase in a foreign currency or make a cash withdrawal in a foreign currency outside the UK.
Ulster Bank 0% Balance Transfer Credit Card
Ulster Bank 0% Balance Transfer Credit Card

Balance transfer free period   11 months

Cost for balance transfers (%)   3.49%

Annual cost   £0.00

Representative APR   24.9%

Representative Example: The standard interest rate on purchases is 24.9%p.a., so if you borrow £1,200 the Representative APR will be 24.9%APR. £0.00 annual fee.

Do I Qualify?

 

  • Available to customers who have a current account, savings account, credit card or mortgage with Ulster Bank
  • Are UK residents
  • Are 18 years old or older
  • Earning at least £10K per year

Important Information

 

  • 0% interest on balance transfers for up to 11 months –you must transfer your balance in the first 3 months of account opening. 0% offer starts from account opening.
  • 0% interest on purchases for the first ?3 months – 0% offer starts from account opening.
  • Zero balance transfer fee – enjoy zero interest without paying a fee for the privilege.
  • After your 0% offers end – you'll pay our standard rates.

How it works

Finding the best credit card for your needs is simple. Follow the steps below to apply for a card directly with the credit card issuer.

Determine what you need Icon Determine what you need

First, decide the type of card that is best for you, whether this would be a rewards credit card, 0% purchased card or a 0% balance transfer card.

Compare credit cards Icon Compare credit cards

When comparing results, look at the various factors to get a complete picture. Check the annual fee, the cost for balance transfers and APR and order the results to find the best UK credit card for your needs.

Decide on a credit card Icon Decide on a credit card

Once you have decided on an option, click 'more information' to check if you meet the qualification criteria and review the important information before visiting the card provider's website.

Apply for a credit card Icon Apply for a credit card

Review your credit score, as a lender will likely look at this before approving a credit card application. Once satisfied with the information, you can proceed with the application.



How do credit cards work?

With credit cards you are borrowing money when you make purchases and then pay back what you owe, either in whole or monthly, until the balance has been repaid. Credit cards work by charging you interest on any balance on the card. Normally, there is a grace period where you are not charged interest. After this period you are charged interest, so the sooner you can pay off any outstanding balance in full, the better. 

 

What is the purpose of a credit card?

Credit cards can be used for purchases that would be too expensive to buy in one go but are too small to take out a loan for (such as a package holiday). There are more choices available for credit cards now, so it is easier to find one to suit your requirements and circumstances. These include 0% balance transfer cards, 0% purchases, or interest-free cards, rewards credit cards, cash back credit cards, credit-builder cards and overseas credit cards.

Additionally, you get credit card purchase protection if you use your card to buy goods or services over £100 and up to £30,000 - for more information see "Am I protected when I spend using a credit card?"

 

What is a cash advance on credit cards?

A cash advance on a credit card allows you to borrow money from your credit card provider, much like a short term loan. Examples of cash advances include withdrawing money from cash machines (local and international), buying physical currency and electronic cash transfers using your credit card. Most credit card providers cap the amount you can get with a cash advance.

A fee for credit card cash advances will likely apply. In most cases, you will pay a higher interest from the day you make the cash advance transactions (even if you have a grace period for other transactions), and the advance will show on your credit report. You can find more information in our guide:Cash advance on credit cards - what you need to know.

 

How do I find the best credit card for me?

It is essential to do your research before applying for a credit card. You can use a comparison site to compare different available offers and ensure that your credit rating is up to scratch. Check your credit report before applying for a credit card; if it needs improving, read our 10 simple steps to increasing your credit score.

 

What do I need to know about credit cards?

Credit cards are a convenient lending method but can also be an easy way of getting into debt. Avoid maxing out your credit card, and aim to pay off the balance in full every month to avoid interest charges. Spending wisely on your card can help you manage your finances and potentially improve your credit rating. However, missing payments, carrying over large balances from one month to another, over-spending or using too many credit cards can cause debt to get out of control.

 

What else should I consider when choosing a credit card?

Always make sure that you can afford to make the repayments each month. Ask yourself why you are applying for a credit card and do you really need one. Credit cards can be a great way of building a positive credit history, but they can also be a slippery slope to credit score disaster if you don't use them responsibly.

 

How can I be accepted for a credit card?

There is no guarantee that you will be accepted when applying for credit. To improve your chances, check your credit score and ensure it doesn't hold any nasty surprises before applying. Always try to pay debts on time and don't miss payments especially if you are trying to improve your credit score. 

 

Am I protected when I spend using a credit card?

Thanks to legislation called Section 75, when you purchase more than £100 (and up to £30,000) using your credit card, you are covered if the item is not delivered or defective, if the seller goes bust, or if the product is not as described. However, if you make the payment through a third-party payment processor (such as PayPal), your purchase is unlikely to be covered under Section 75 legislation. Additionally, certain items are not covered under Section 75, so always check with your credit card company, especially when considering buying an expensive item. 

 

What are the costs? -

There are eight standard costs associated with credit cards - these can include:

  • Annual fees
  • Interest charges
  • Late payment fees
  • Foreign transaction fees
  • Balance transfer fees
  • Cash advance fees
  • Over-the-limit fees
  • Returned payment fees

Each credit card provider is different, so always check the terms and conditions of any credit card you plan to apply for. Some will charge you a yearly fee that will include perks and offers. All will charge you interest on balances at the end of any introductory interest-free period or grace period. And if you fail to make a monthly repayment on time, all will charge you interest and fees. You may be required to pay the balance in full too.

What rewards do I get with a credit card? +

Not every credit card will offer rewards - always check before applying, especially if earning rewards is vital to you. Rewards credit cards may offer cashback on purchases (up to a certain limit or subject to the requirements of the card provider). They may also offer points that can be saved and converted into vouchers for purchases such as airplane tickets, hotels, and shopping. However, rewards credit cards can be more expensive due to higher interest rates, so it is always a good idea to pay off any balance in full every month.

What is a credit card grace period? +

A credit card grace period is the time between making a purchase using your credit card and the last date you can pay off that balance without being charged interest. Three important things to remember are that not every credit card provider offers a grace period (check the terms and conditions of your credit card), and grace periods might not apply if you don't pay off your monthly balance in full every month. Interest-free periods generally only apply to purchases. They do not generally apply to cash withdrawals or balance transfers and online gambling or purchasing foreign money or traveler’s cheques.

What is APR? +

This is essentially interest rates plus fees charged over a year. APR (Annual Percentage Rate) is designed to give you an idea of how much interest you could pay, if you were to keep the debt for 12 months.

Representative APR rates are “representative” of what most customers are charged for a credit product. It is “representative” or “typical” of what 51% of customers will receive as a rate (or lower) from that credit card provider. This is another useful way to compare credit cards, but bear in mind you may not be offered the representative APR advertised.

Credit Cards FAQs