0% Balance Transfer & Purchase Credit Cards

Provider 0 % Transfers 0 % Purchases Typical APR % More Info/Apply Natwest Gold 9 Months 9 Months 13.90 More Info/Apply RBS Gold 13 Months 3 Months 13.90 More Info/Apply RBS Classic 13 Months 3 Months 13.90 More Info/Apply Natwest Classic 13 Months 3 Months 13.90 More Info/Apply Natwest Platinum 13 Months 3 Months 13.90 More Info/Apply Barclaycard Platinum 14 Months 3 Months 14.90 More Info/Apply Barclays Platinum Purchase 5% of life balance 10 Months 14.90 More Info/Apply MBNA Platinum until July 2009 until Sep 2008 15.90 More Info/Apply Virgin 15 Months 3 Months 15.90 More Info/Apply HSBC 4.9% 2012 12 Months 15.90 More Info/Apply MBNA Rewards until July 2009 until Sep 2008 15.90 More Info/Apply Capital One Platinum 12 Months 3 Months 15.90 More Info/Apply Breakthrough Breast Cancer 12 Months 3 Months/ Donation 15.90 More Info/Apply Post Office 10 Months 3 Months 15.90 More Info/Apply Egg 14 Months 3 Months 16.90 More Info/Apply AOL 12 Months 3 Months 16.90 More Info/Apply What are they? Provided by many credit card lenders, 0% balance transfer and purchase credit cards offer the card holder opportunities to either pay no interest on balance transfers or purchases, sometimes both. In the main these types of offers are reserved for new clients as introductory offers to ‘tempt’ them to change card companies. 0% balance transfer promotions can be for periods of three to 13 months. 0% purchase offers are often available for 3 to 10 months, dependent on the lender. Pros 0% interest periods enable borrowers to benefit from using credit facilities without paying the normal premiums attached. For large purchases, this can save a significant amount in interest payments. Likewise, should you have outstanding credit with alternative lenders, a 0% balance transfer would enable you to move borrowing to a cheaper provider which could both enable you save money each month on interest and if used sensibly, allow you to pay off a debt in a shorter time span as there would be no costly additional interest accumulating. Cons Despite the interest free periods, there may be fees involved, it’s worth reading the small print. Often, one off charges are levied for the initial balance transfer, these can vary from, for example, £15 to say 2% of the balance transferred. 0% interest free purchases, whilst an excellent opportunity to save money, may result in you being tempted to spend more than you can afford to pay back once the interest charges commence. 0% balance transfers and purchases should only be viewed as temporary, be sure to ascertain what the ultimate APR will be once the introductory period has ceased. It’s possible that the APR could be higher than that of lenders who do not offer introductory rates and end up costing you more in the long term. EDITOR'S CHOICES Four Credit Cards Designed For Bad or No Credit No Credit Check Loans Up To £1000 Paid Today Guaranteed Award Winning Prepaid MasterCards The Vanquis Credit Card This card has been designed for clients with a bad or no credit history. Over 300,000 People have enjoyed the benefits of this card and are building their credit history. Cashplus GOLD MasterCard 100% Guaranteed acceptance. Use the card online, over the phone at ATM;s. Online management account and load funds on to the card for free. My Payday Now Need up tp £1000 with no credit checks. Funds can be in your account the same day. If you have a debit card then apply today. Provident Financial Loan No credit checks. Loans up to £500 paid onto your own visa debit card or in cash. Loans can be repaid over a period of time. The Capital One Classic Card This card is ideal if you have had credit problems. Limits up to £2000 instant online decision. This is the most popular solution for getting your foot on the credit ladder. Home Page Related Products

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