0% NatWest Credit Card

What are the current 0% NatWest credit card offers and deals?

There are currently no NatWest credit card offers available, to UK customers looking for a new 0% NatWest credit card with a 0% introductory deal.

RBS, the parent company of NatWest, announced at the end of February 2014 that the bank would no longer offer 0% introductory offers to new customers.

The bank said that the existing 0% NatWest credit card offers would be withdrawn as part of a policy to increase trust in the bank by removing “teaser rates” from all products.

As part of this promise to customers, NatWest said that it would stop offering deals to new customers that it would not offer to existing customers. NatWest also said it would also stop offering different rates to customers depending on whether they applied online or in branches.

0% NatWest Credit Card

With no more 0% NatWest credit card offers now available, this has slightly reduced the number of 0% credit card offers in the UK.

NatWest credit card customers can of course still apply for any of the 0% credit card offers available from other credit card companies, who several years after NatWest’s announcement, have shown no intention of withdrawing their own 0% credit card offers.

In fact the other card companies are competing very hard for new customers. As a result currently there are still over 90 other credit cards in the UK offering introductory 0% purchase credit cards and 0 percent credit card offers available from other banks and credit card companies.

All of the following credit card issuers provide featured 0% credit cards for both purchases and balance transfers:-

0% Credit Card Offers

M&S Shopping Plus Credit Card*

Balance Transfers:

0% for 20 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 months

Representative APR:

19.9% APR (variable)

Credit Card Details

M&S Shopping Plus Credit Card*

• 0% for 20 months on balance transfers made within 90 days of account opening
• 2.9% balance transfer fee, minimum £5
• 0% on purchases for 20 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: £0

Application Criteria

M&S Shopping Plus Credit Card*

• 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

Nationwide Member Credit Card - All Rounder*

Balance Transfers:

0% for 15 months

Balance Transfer Fee:

1.5%

Purchases:

0% for 15 months

Representative APR:

19.9% APR (variable)

Credit Card Details

Nationwide Member Credit Card - All Rounder*

• 0% on balance transfers for 15 months if made within 90 days of account opening
• 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
• 0% on purchases for 15 months from date you open your account
• Unlimited commission-free purchases abroad
• Manage account online
• Annual Fee: £0

Application Criteria

Nationwide Member Credit Card - All Rounder*

• Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
• You are a UK resident
• You have a minimum income of £5000 per year
• You have a good credit history
• You are aged 18 or over

0% Credit Card Offers

HSBC Balance Transfer Credit Card*

Balance Transfers:

0% for 25 months

Balance Transfer Fee:

1.5%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer Credit Card*

• 0% interest for 25 months on balance transfers made within first 60 days of account opening
• 1.5% balance transfer fee (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
• home&Away rewards programme giving you instant discounts from well-known brands
• Online account management
• Annual Fee: £0

Application Criteria

HSBC Balance Transfer Credit Card*

• You have an annual income or pension before tax of £8,500 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

M&S Transfer Plus Credit Card*

Balance Transfers:

0% for 28 months

Balance Transfer Fee:

2.85%

Purchases:

0% for 6 months

Representative APR:

19.9% APR (variable)

Credit Card Details

M&S Transfer Plus Credit Card*

• 0% for 28 months on balance transfers made within 90 days of account opening
• 2.85% balance transfer fee, minimum £5
• 0% on purchases for 6 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: £0

Application Criteria

M&S Transfer Plus Credit Card*

• 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

HSBC Purchase Plus Credit Card*

Balance Transfers:

0% for 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 18 months

Representative APR:

22.9% APR (variable)

Credit Card Details

HSBC Purchase Plus Credit Card*

• 0% interest for 18 months on balance transfers made within 60 days of account opening
• 2.9% balance transfer fee (minimum £5)
• 0% interest on purchases for 18 months from account opening
• At end of promotional period, balance transfers and purchases will revert to standard variable rate
• home&Away rewards programme giving you instant discounts from well-known brands
• Online account management
• Annual Fee: £0

Application Criteria

HSBC Purchase Plus Credit Card*

• You have an annual income or pension before tax of £8,500 or more
• You are a UK resident
• You are aged 18 or over
• You do not hold an HSBC Basic bank account

The last 0% NatWest credit card offer before it was withdrawn offered 0% for 28 months on balance transfers with a 2.99% balance transfer fee. This NatWest Platinum credit card had also offered customers 0% for 6 months on purchases with an 18.9% APR interest rate.

NatWest still do offer credit cards to customers, although without any 0% introductory offers. The bank now offers a Clear Rate Platinum credit card with a low interest rate on balance transfers and purchases.

This card also has an annual fee, which is currently set at £24 per year. Most of the other available UK  credit cards, including the current M&S credit card offers, do not charge an annual fee.

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