0% Credit Cards

Balance Transfers

Purchases

0% Credit Card Offers

M&S Transfer Plus

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

M&S Transfer Plus

• 0% for 29 months on balance transfers made within 90 days of account opening
• 2.75% balance transfer fee, minimum £5
• 0% on purchases for 3 months from account opening
• Collect M&S points every time you shop anywhere in the world with your card
• Preferential rates when you use your card to order M&S Travel Money
• Manage account online
• Annual Fee: None

Application Criteria

M&S Transfer Plus

• You are a UK resident
• You have a UK bank or building society account
• You are aged 18 or over
• You have not held a credit card with M&S Bank within previous 12 months

0% Credit Card Offers

Sainsbury’s Balance Transfer

Balance Transfers:

0% for up to 29 months

Balance Transfer Fee:

3%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

Sainsbury’s Balance Transfer

• 0% interest on balance transfers for up to 29 months
• 3% or 4% balance transfer fee on transfers made at application, depending on your individual circumstances (minimum £3)
• 0% interest on purchases for your first 3 months
• Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
• Collect 1 Nectar point for every £5 spent on your card elsewhere
• Online account management
• Annual Fee: None

Application Criteria

Sainsbury’s Balance Transfer

• You have a permanent UK address
• You have not been declined for credit in the last month
• You do not have a history of bad credit
• You are aged 18 or over

0% Credit Card Offers

Virgin Money 29 Month Credit Card

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

3%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

Virgin Money 29 Month Credit Card

• 0% on balance transfers for 29 months from the date your account is opened
• 3% balance transfer fee in first 60 days, 5% fee applies after 60 days
• 0% on purchases for 3 months from the date your account is opened
• Discounts on Virgin holidays, Virgin trains and Virgin experience days
• Contactless payments to quickly and securely pay for purchases under £30
• Online card servicing
• Annual Fee: None

Application Criteria

Virgin Money 29 Month Credit Card

• You are a UK resident
• You have a bank or building society account
• You have a good credit history
• You are aged 18 or over

0% Credit Card Offers

Halifax Longest Balance Transfer

Balance Transfers:

0% for 28 months

Balance Transfer Fee:

2.69%

Purchases:

0% for 9 months

Representative APR:

19.9% APR (variable)

Credit Card Details

Halifax Longest Balance Transfer

• 0% for 28 months from account opening on balance transfers made in first 90 days
• 2.69% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
• 0% for 9 months from account opening on purchases
• Cover against online fraud when purchasing on the Internet
• Online account management
• Annual Fee: None

Application Criteria

Halifax Longest Balance Transfer

• You are a UK resident
• You have a regular income
• You do not have any Count Court Judgements against you
• You are aged 18 or over

0% Credit Card Offers

first direct Credit Card

Balance Transfers:

0% for 27 months

Balance Transfer Fee:

2.29%

Purchases:

No offer

Representative APR:

18.9% APR (variable)

Credit Card Details

first direct Credit Card

• 0% on balance transfers for 27 months if transfer balance within 3 months of account open
• 2.29% balance transfer fee, minimum £5
• No introductory offer on purchases
• Option of regular text message mini-statements direct to your mobile phone
• Protection against internet fraud on transactions made without your consent
• Annual Fee: None

Application Criteria

first direct Credit Card

• You are a first direct current account holder
• You are a UK resident
• You are aged 18 or over

0% Credit Card Offers

TSB Platinum Balance Transfer

Balance Transfers:

0% for up to 27 months

Balance Transfer Fee:

2.95%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Credit Card Details

TSB Platinum Balance Transfer

• 0% interest for up to 27 months on balances transferred within first 90 days
• 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
• 0% interest for the first 3 months on purchases
• Internet fraud protection and Clicksafe
• Apple Pay and Android Pay
• Annual Fee: None

Application Criteria

TSB Platinum Balance Transfer

• You are an existing TSB customer
• You are not currently declared bankrupt, have CCJs or subject to IVA
• You have a good credit rating and regular income
• You are a UK resident
• You are aged 18 or over

0% Credit Card Offers

Santander All in One Credit Card

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

0%

Purchases:

0% for 20 months

Representative APR:

23.7% APR (variable)

Credit Card Details

Santander All in One Credit Card

• 0% interest on balance transfers for 26 month from account opening
• 0% balance transfer fee
• 0% interest on purchases for 20 month from account opening
• 0.5% cashback on all of your purchases
• No foreign transaction fee on purchases made abroad in local currency
• Cashback through Retailer Offers
• Monthly Fee: £3

Application Criteria

Santander All in One Credit Card

• You are a permanent UK resident
• You have a good credit history with no history of bad credit
• You have an income of £7,500 per year or more
• You are at least 18 years of age

0% Credit Card Offers

Virgin Money 26 Month Credit Card

Balance Transfers:

0% for 26 months

Balance Transfer Fee:

1.25%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

Virgin Money 26 Month Credit Card

• 0% on balance transfers for 26 months from the date your account is opened
• 1.25% balance transfer fee in first 60 days, 5% fee applies after 60 days
• 0% on purchases for 3 months from the date your account is opened
• Discounts on Virgin holidays, Virgin trains and Virgin experience days
• Contactless payments to quickly and securely pay for purchases up to £30
• Online card servicing
• Annual Fee: None

Application Criteria

Virgin Money 26 Month Credit Card

• You are a UK resident
• You have a bank or building society account
• You have a good credit history
• You are aged 18 or over

0% Credit Card Offers

Sainsbury’s Low Fee Balance Transfer

Balance Transfers:

0% for up to 26 months

Balance Transfer Fee:

2%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

Sainsbury’s Low Fee Balance Transfer

• 0% interest on balance transfers up to your first 26 months
• 2% balance transfer fee (£3 minimum) applies on transfers made at application
• 0% interest on purchases for first 3 months
• Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
• Collect 1 Nectar point for every £5 spent on your card elsewhere
• Online account management
• Annual Fee: None

Application Criteria

Sainsbury’s Low Fee Balance Transfer

• You have a permanent UK address
• You have not been declined for credit in the last month
• You do not have a history of bad credit
• You are aged 18 or over

0% Credit Card Offers

HSBC Balance Transfer*

Balance Transfers:

0% for 25 months

Balance Transfer Fee:

2.85%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*

• 0% interest for 25 months on balance transfers made within first 60 days of account opening
• 2.85% balance transfer fee applies (minimum £5)
• 0% interest on purchases for 3 months from account opening
• At end of promotional period, balance transfers and purchases will revert to standard variable rate
• Worldwide offers and discounts with HSBC home&Away
• Manage your card online
• Annual Fee: None

Application Criteria

HSBC Balance Transfer*

• You have an annual income or pension before tax of £6,800 or more
• You are a UK resident
• You are aged 18 or over
• You do not hold an HSBC Basic bank account

0% Credit Card Offers

MBNA Low Fee Balance Transfer

Balance Transfers:

0% for 25 months

Balance Transfer Fee:

1%

Purchases:

No offer

Representative APR:

20.9% APR (variable)

Credit Card Details

MBNA Low Fee Balance Transfer

• 0% interest for up to 25 months on balance transfers
• 1% balance transfer fee for the first 60 days and 5% fee thereafter
• No purchases offer with this card
• Contactless payments to quickly and securely pay for purchases under £45
• Online account management
• Annual Fee: None

Application Criteria

MBNA Low Fee Balance Transfer

• You are a UK resident
• You have a good credit rating/history
• You have had a permanent UK address for 3 years or more
• You are aged 18 or over

0% Credit Card Offers

Barclaycard 24 Month Platinum

Balance Transfers:

0% for up to 24 months

Balance Transfer Fee:

1%

Purchases:

0% for up to 6 months

Representative APR:

21.9% APR (variable)

Credit Card Details

Barclaycard 24 Month Platinum

• 0% interest on balance transfers for up to 24 months from account opening
• 1% balance transfer fee
• 0% interest on purchases for up to 6 months from account opening
• Contactless payment technology for purchases of £45 or under
• Online account management
• Annual Fee: None

Application Criteria

Barclaycard 24 Month Platinum

• You have a permanent UK address
• You have a regular income of more than £20,000 pa
• You have a good credit rating
• You have no history of bankruptcy or late payments
• You are aged 21 or over

0% Credit Card Offers

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 months

Balance Transfer Fee:

3%

Purchases:

0% for 4 months

Representative APR:

20.6% APR (variable)

Credit Card Details

Co-operative Bank Balance Transfer

• 0% interest for 24 months for balance transfers made within 60 days
• 3% balance transfer fee, minimum £5
• 0% interest on purchases for 4 months from account opening
• All successful applicants will receive this exact rate and offer
• Online account management
• Annual Fee: None

Application Criteria

Co-operative Bank Balance Transfer

• Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
• You are a UK resident
• You have annual income of £10,000 or more
• You are aged 18 or over

0% Credit Card Offers

Halifax Low Fee Balance Transfer

Balance Transfers:

0% for up to 23 months

Balance Transfer Fee:

1.5%

Purchases:

0% for 9 months

Representative APR:

19.9% APR (variable)

Credit Card Details

Halifax Low Fee Balance Transfer

• 0% for up to 26 months from account opening on balance transfers within first 90 days
• 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening.
• 0% for first 9 months from account opening on purchases
• Cover against online fraud when purchasing on the Internet
• Online account management
• Annual Fee: None

Application Criteria

Halifax Low Fee Balance Transfer

• You are a UK resident
• You have a regular income
• You do not have any Count Court Judgements against you
• You are aged 18 or over

0% Credit Card Offers

NatWest Longer Balance Transfer

Balance Transfers:

0% for 23 months

Balance Transfer Fee:

1.99%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

NatWest Longer Balance Transfer

• 0% on balance transfers for 23 months from account opening
• 1.99% balance transfer fee
• 0% on purchases for first 3 months from account opening
• Lock and unlock your credit card in app
• Manage your card 24/7 online and by telephone banking
• Annual Fee: None

Application Criteria

NatWest Longer Balance Transfer

• You are a NatWest customer
• You are a UK resident
• You are earning at least £10,000 per year
• You are aged 18 or over

0% Credit Card Offers

RBS Longer Balance Transfer Credit Card

Balance Transfers:

0% for 23 months

Balance Transfer Fee:

1.99%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

RBS Longer Balance Transfer Credit Card

• 0% on balance transfers for 23 months from account opening
• 1.99% balance transfer fee
• 0% on purchases for first 3 months from account opening
• Lock and unlock your credit card in app
• Manage your card 24/7 online and by telephone banking
• Annual Fee: None

Application Criteria

RBS Longer Balance Transfer Credit Card

• You are a RBS customer
• You are a UK resident
• You are earning at least £10,000 per year
• You are aged 18 or over

0% Credit Card Offers

Ulster Bank Longer Balance Transfer

Balance Transfers:

0% for 23 months

Balance Transfer Fee:

1.99%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

Ulster Bank Longer Balance Transfer

• 0% on balance transfers for 23 months from account opening
• 1.99% balance transfer fee
• 0% on purchases for first 3 months from account opening
• Lock and unlock your credit card in app
• Manage your card 24/7 online and by telephone banking
• Annual Fee: None

Application Criteria

Ulster Bank Longer Balance Transfer

• You are a Ulster Bank customer
• You are a UK resident
• You are earning at least £10,000 per year
• You are aged 18 or over

0% Credit Card Offers

Bank of Scotland Low Fee Platinum

Balance Transfers:

0% for up to 22 months

Balance Transfer Fee:

1.5%

Purchases:

0% for 9 months

Representative APR:

19.9% APR (variable)

Credit Card Details

Bank of Scotland Low Fee Platinum

• 0% for up to 22 months from account opening on balance transfers made within first 90 days
• 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
• 0% for 9 months from account opening on purchases
• Cover against online fraud when purchasing on the Internet
• Online account management
• Annual Fee: None

Application Criteria

Bank of Scotland Low Fee Platinum

• You are a UK resident
• You have a regular income
• You have not bankrupt or subject to an IVA and have no County Court Judgments
• You are aged 18 or over

0% Credit Card Offers

Lloyds Platinum Low Fee Credit Card

Balance Transfers:

0% for up to 22 months

Balance Transfer Fee:

1.5%

Purchases:

0% for 9 months

Representative APR:

19.9% APR (variable)

Credit Card Details

Lloyds Platinum Low Fee Credit Card

• 0% for up to 22 months on balances transferred in the first 90 days
• 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
• 0% on purchases for 9 months from account opening
• Lloyds Clicksafe and Internet fraud protection
• Online card servicing
• Annual Fee: None

Application Criteria

Lloyds Platinum Low Fee Credit Card

• You are a UK resident
• You have a regular income
• You have a good credit history free from any county court judgements
• You are aged 18 or over

0% Credit Card Offers

Tesco Clubcard Credit Card for Balance Transfers

Balance Transfers:

0% interest for up to 22 months

Balance Transfer Fee:

2.99%

Purchases:

0% interest for 3 months

Representative APR:

20.9% APR (variable)

Credit Card Details

Tesco Clubcard Credit Card for Balance Transfers

• 0% interest for up to 22 months on balance transfers made within the first 90 days of opening your account
• 2.99% balance transfer fee in first 90 days, 3.99% fee after 90 days
• 0% interest for 3 months on purchases from account opening
• Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
• You can transfer up to 95% of your available credit limit
• Apply online and get a decision within 60 seconds
• Annual Fee: None

Application Criteria

Tesco Clubcard Credit Card for Balance Transfers

• You have an annual income of at least £5,000
• You are at least 18 years of age
• You have a good credit history
• You live in the UK, or have a British Forces Post Office address
• You don't currently hold more than 1 Tesco Bank Credit Card
• You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress