Comparing UK 0% credit cards online since 2002
What are the best credit card offers for existing customers in the UK? Are there any Tesco credit card offers for existing customers, for example?
The credit card deals and offers in the UK card market are constantly changing. This is because new 0% deals and offers are introduced regularly. These 0% introductory offers are one of the main ways that the UK credit card companies compete for new customers.
There are two main types of credit card offers for existing customers, which are currently available within the UK.
All of the main UK banks and credit card providers offer the first type of credit card deals for existing customers. This includes the like of M&S Bank, Halifax, Virgin, HSBC, as well as Tesco Bank.
In general, all of the UK banks tend to look more favourably on their own existing customers, when they apply for a credit card. Do you have a current account, a mortgage, or a savings account, for example, with a particular bank? Then, you are often more likely to be accepted for a credit card, which is also issued by that bank.
This is usually because as an existing customer, the bank will have a better understanding of your overall financial circumstances, and your general use of money. As a result, this can give the bank greater confidence when it comes to approving you for any new credit cards.
Credit Card Deals For Existing Customers
Almost all of the credit card deals for existing customers, are now available online. Today, the vast majority of credit card applications, in the UK, are made by customers who apply online.
The following featured cards provide credit card offers for existing customers of the banks. These cards are also available to customers who do not have any pre-existing customer relationship with the bank.
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- 0% interest for up to 26 months on balance transfers made within first 60 days of account opening
- 3.49% 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
- 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% for up to 26 months on balance transfers made within 90 days of account opening
- 3.49% 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
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for up to 18 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
- 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% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for up to 20 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% on balance transfers for 12 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 up to £100
- Online card servicing
- Annual Fee: None
- 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
Credit Card Balance Transfer For Existing Customers
Credit card deals for existing customers are generally, unavailable if you already have a credit card with that bank. Some UK card companies do not allow you to have more than one credit card from that company, for example.
The UK card companies, generally do not provide additional 0% deals to customers, who already hold one of their credit cards. Once your introductory 0% offer has finished you will pay the standard rate of interest on any remaining balance.
However, there is second type of credit card offers for existing customers. Sometimes, the banks do provide additional credit card deals for existing customers.
A small number of carefully selected customers may be offered an additional 0%, or alternatively, a fixed low-rate deal. Generally, these deals will provide another offer for a credit card balance transfer for existing customers. Additional deals and offers on purchases for existing customers, are not as common, in the UK.
Tesco Credit Card Existing Customers
The types of existing deals on balance transfers do tend to vary between the different banks. So the M&S credit card offers for existing customers, will be different from the Sainsbury’s credit card offers for existing customers, for example.
In fact, the deals and offers can also vary between different customers of the same bank. The Tesco credit card offers for existing customers, may vary from one customer to the next, for example. How long you have had your card, and how you use it, can also affect any additional offers you may receive.
These additional credit card deals for existing customers will only be available to a small number of carefully selected customers. If you have been chosen, then you will receive these additional offers either by post, or by a notification within your online account.
Generally these additional balance transfer deals offered to existing customers will be shorter, than the longest 0% offers available to new customers. The balance transfer fee is also likely to be higher, than the transfer fees available to any new customers.
If you don’t receive any additional 0% offers on your existing card, then you can apply for another interest free credit card. Just bear in mind that your new card will need to be from different card provider. This is necessary in order to allow you to benefit from any of the introductory 0% deals available on the new card.
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