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Credit Card Offers For Existing Customers

Credit Card Offers For Existing Customers

What are the best credit card offers for existing customers in the UK?

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, as 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, Sainsburys, HSBC and Tesco Bank as well.

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, or savings account, for example, with a particular bank? Then you are often more likely to be accepted for a credit card, which is 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 history. 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, in the UK, are now available online. Today, the vast majority of credit card applications are made 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% Credit Card Offers

Balance Transfers:
0% for 31 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Transfer Plus*
  • 0% for 31 months on balance transfers made within 90 days of account opening
  • 1.99% 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

Application Criteria

M&S Transfer Plus*
  • 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
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 31 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 31 months on balance transfers made within first 60 days of account opening
  • 2.7% 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
£25 cash back when you successfully apply. Spend or balance transfer over £100 within 60 days of opening account. New customers only. Offer ends 13th Feb 2022.
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 23 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% for 23 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 23 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

Application Criteria

M&S Shopping Plus*
  • 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
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

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
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

Credit Card Balance Transfer For Existing Customers

Credit card deals for existing customers are generally, unavailable if you already have a credit card with the bank. The UK card companies, tend not to provide other 0% deals to customers, who have a credit card with them already.

However, there is second type of credit card offers for existing customers. Sometimes, the banks do provide additional credit card deals for existing customers.

Some carefully selected customers maybe offered an additional 0%, or 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.

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 Halifax 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 the card, and how you use it, can affect any additional offers you may receive.

These additional credit card deals for existing customers will only be available to a selected number of customers. Customer will receive these additional offers either by post, or by a notification within their online account.

Generally these additional balance transfer deals offered to existing customers will be shorter, than the offer available to new customers. The balance transfer fee may also be higher, than the 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 fee credit card. Just bear in mind that it will need to be from different card provider. This is necessary in order to allow you to benefit from any 0% deals on offer on the new card.


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Published: January 11, 2022, Updated: January 11, 2022 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily