Balance Transfer Cards

Consumers who can't wait to drop a current card can take refuge in the balance transfer feature available on these credit cards. To enjoy interest free periods, balance transfers are best declared during the application process or shortly thereafter as determined by the card agreement. In summary, a credit card having a balance transfer feature is the right way to go for individuals looking to consolidate credit into a single credit card offering satisfactory rates. Balance transfer cards listed below are reserved for the U.K. market.

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Sainsbury's Mastercard for Nectar Card Holders

0% for the first 12 months on purchases
0% for the first 12 months on balance transfers (3% BT fee)
No annual fee
Full MasterCard benefits

0%*Intro APR

12 months*Intro Period

15.94%*APR

£0.00*Annual Fee

4.0

Sainsbury's Nectar Credit Card

12.92% p.a. on purchases and balance transfers and no balance transfer fee
0% apr on Balance Transfer for 10 months
No annual fee
Earn Nectar points when you use your Sainsbury's Nectar Credit Card elsewhere - 1 point for every £5 you spend
Optional repayment cover

0%*Intro APR

10 months*Intro Period

12.92%*APR

£0.00*Annual Fee

4.0

Virgin Money Credit Card

0% for 14 months on balance transfers (from the date your account is opened. Transfers to be made within first 60 days. 2.98% handling fee applies)
0% for 3 months on card purchases* (from the date your account is opened)
Discounts at loads of Virgin companies
Discounted vouchers for leading high street stores
Typical rate 16.6% APR (variable)

0%*Intro APR

up to 14 months*Intro Period

16.60%*APR

£0.00*Annual Fee

5.0

Egg Visa Credit Card

0% interest for up to 14 Months on balances transferred within the first three months (3% fee applies).
0% interest on new purchases for up to 3 months.
Manage your online account Egg Money Manager.
Online PIN reminder
Active fraud monitoring
24 hour online account management
No paperwork and apply in minutes

0%*Intro APR

up to 14 months*Intro Period

17.90%*APR

£0.00*Annual Fee

4.5

Halifax All in One Credit Card

0% for the first 10 months on balance transfers made in the first 90 days (3% fee)
0% for the first 10 months on everything you buy with your Halifax All In One Credit Card
No annual fee
15.9% APR variable

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0%*Intro APR

10 months*Intro Period

15.90%*APR

N/A*Annual Fee

4.0

NatWest Platinum Credit Card

0% on balance transfers for 15 months
0% on purchases – for three months
2.9% balance transfer fee - (minimum £5)
Typical 16.9% APR (variable)
1% off the APR for Advantage Gold customers – guaranteed on our standard credit card rate for at least 12 months.

0%*Intro APR

15 months on BT*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

RBS Platinum Credit Card

0% balance transfers for 15 months
0% interest on purchases for 3 months from account opening
2.9% Balance transfer fee – (minimum £5)
Typical 16.9% APR (variable)
1% off the APR for Royalties Gold customers
Free additional cardholder

0%*Intro APR

15 months on BT*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

RBS Classic Credit Card

4.9% p.a. on purchases for nine months from opening your account
No annual fee
Typical 19.9% APR (variable)
56 days interest free credit on purchases
Free additional card

4.9%*Intro APR

9 months*Intro Period

19.90%*APR

£0.00*Annual Fee

4.0

NatWest Classic Credit Card

4.9% p.a. on purchases for nine months from opening your account
No annual fee
Typical 19.9% APR (variable)
Withdraw cash – up to £300 or the foreign currency equivalent, from cash machines the world over
NatWest Wine Club savings

4.9%*Intro APR

9 months*Intro Period

19.90%*APR

£0.00*Annual Fee

4.0

Bank of Scotland All in One Card

0% for 10 months on balance transfers made in the first 90 days
0% for 10 months on new purchases
A typical rate of 15.9% APR (variable)
A handling fee of 3% applies for each balance transfer
Master Card benefits package
59 days grace period

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0%*Intro APR

10 months*Intro Period

15.90%*APR

N/A*Annual Fee

4.5

Barclaycard Platinum Visa® Card

0% interest on balance transfers until July 2011 from account opening (2.9% handling fee applies)
0% interest on purchases for 3 months from account opening
A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers.
With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
15.9% APR typical (variable)

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0%*Intro APR

15 months on BT*Intro Period

15.90%*APR

£0.00*Annual Fee

4.5

Barclaycard Platinum Simplicity Credit Card

Simply our lowest APR
A low rate on all your purchases
6.8% interest on all balance transfers until paid in full (no handling fee applies)
A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers
With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under
6.8% APR typical (variable)

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N/A*Intro APR

N/A*Intro Period

6.80%*APR

£0.00*Annual Fee

5.0

Barclaycard Initial Credit Card

Strengthen your credit rating
Enjoy a credit limit of up to £2,000 (minimum £250)
Go contactless – Make purchases of £10 and under in an instant wherever you see the contactless symbol
29.9% APR typical (variable)

N/A*Intro APR

N/A*Intro Period

29.90%*APR

£0.00*Annual Fee

4.5

National Trust Credit Card

The National Trust will receive £15 when you use your card within 90 days of the account opening
They will also receive 30p for every £100 you spend on card purchases
And £2.00 for every year you continue to use the card
Save £5 when you use your National Trust Credit Card to spend £25 or more in National Trust Shops*
0% on balance transfers for 12 months (3% handling fee)
0% on money transfers from your credit card to your current account for 12 months (4% handling fee)
0% on card purchases for 3 months from the date your account is opened
16.9% APR typical rate (variable)
No Annual Fee

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0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0

Sainsbury's Credit Card

Every time you shop at Sainsbury's with your Credit Card we'll give you 2 Nectar points for every £1 you spend in the first 2 years. That's doubling your Nectar points on every Sainsbury's shop when you swipe your Nectar card.
0% for the first 12 months on Sainsbury's shopping
0% for the first 10 months on all other shopping
0% for the first 10 months on balance transfers (+3% fee)
Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere
Withdraw cash in over 24 million locations worldwide (fees apply)
Enjoy safe and secure payments with Chip and PIN

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0%*Intro APR

12 months*Intro Period

15.90%*APR

£0.00*Annual Fee

5.0

Virgin Atlantic American Express® White Card

3,000 Flying Club miles with first purchase
1 mile for every 1£ spent
No annual fee
0% APR on Balance Transfers for 6 months
American Express card benefits

0%*Intro APR

6 months*Intro Period

17.90%*APR

N/A*Annual Fee

4.0

Virgin Atlantic American Express® Black Card

6,000 bonus miles with your first card purchase
2 miles for every £1 spent
£115 annual fee
0% APR on Balance Transfer for 6 months
American Express Black card benefits

0%*Intro APR

6 months*Intro Period

18.90%*APR

£115.00*Annual Fee

4.0

Virgin Purchases Credit Card

0% on card purchases for 12 months
0% on balance transfers for 12 months (rate applies to transfers made in the first 60 days, handling fee of 2.98% applies)
Typical rate 18.9% APR (variable)
No annual fee
50 days grace period
Issued by MBNA Europe Bank Limited

0%*Intro APR

12 months*Intro Period

18.90%*APR

£0.00*Annual Fee

4.0

MBNA 5.9% APR Rate For Life Credit Card

A promotional rate on balance transfers and money transfers - 5.9% for the life of the transferred balances* 2% handling fee for balances transferred in the first 60 days, 3% thereafter (4% for money transfers)
Ideal for rearranging your finances and consolidating loans*
Verified by Visa™
With MBNA Secure
16.9% APR typical rate (variable)
Paperless Statements
Free 24 hour worldwide Customer Satisfaction Helpline

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5.9%*Intro APR

for Life of Balance*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5

BT Retail Credit Card

Every time you spend on your BT Credit Card you'll earn money off your BT bill*
An outstanding introductory card purchase rate of just 0% on petrol station and supermarket spend for 10 months
An outstanding introductory balance transfer rate of 0% for 6 months (2% handling fee applies)
The petrol and supermarket offer is available instore only and includes most major UK supermarkets: Tesco, Sainsbury's, Asda, Morrisons, Waitrose, Iceland, Somerfield, Co-op and Aldi.
16.9% APR typical rate (variable)
Manage your account online
Free 24 hour worldwide Customer Service Helpline

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0%*Intro APR

10 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.0

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