Comparing balance transfer credit cards online since 2002
Capital One balance transfer offers in the UK have been noticeable, largely by their absence over recent years. However Capital One balance transfer offers for existing customers are available in the UK.
0% Capital One balance transfer offers have been quite rare, ever since the start of the banking crisis, back in 2008. There have been only limited periods of time where 0% deals have been available on the Capital One range of credit cards.
There are Capital One credit cards currently available in the UK market. However, these cards have been largely targeted at customers who have no credit history, or a poor credit history. This includes, those customers looking for a credit builder product to rebuild their credit rating, after credit or bad debt problems in the past.
As a result the credit limits on Capital One cards do tend to be quite low. A £2000 credit card limit would be considered quite high for many Capital One customers, in the UK. Some Capital One customers may only receive a £200 credit limit, for example.
Capital One Balance Transfer Existing Customers UK
Existing customers with a Capital One credit card, can of course make a balance transfer to many of the other UK balance transfer credit cards.
Capital One balance transfer offers for existing customers are available on a wide range of UK 0% credit cards. A balance transfer from a Capital One credit card, does offer an existing customer an opportunity to save money.
You can use a balance transfer to pay a lot less in interest payments. This is especially true where your existing Capital One card has a high 34.9% APR interest rate.
When looking for Capital One balance transfer offers for existing customers, you will need to have an improved credit rating to successfully apply for any new 0% balance transfer credit card.
Existing Capital One credit card customers are in general, much more likely to be accepted for a new 0% balance transfer credit card in the UK, if they can meet the following criteria:-
- Have had a Capital one credit card for at least a year, or longer
- You have made the minimum payment, or more, on time every month
- Have no recent late, or missed, payments on any other debt
- You do not have any recent CCJ’s
- You have a low level of overall debt in relation to your annual income, excluding any mortgage
The following popular featured balance transfer credit cards are, given all of the above, likely to be suitable for existing Capital One customers looking for a balance transfer :-
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- 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% 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 12 months on balances transferred within first 90 days
- 2.95% balance transfer fee during first 90 days, 5% fee applies afer 90 days
- 0% interest on all purchases for up to first 12 months
- Internet fraud protection and Clicksafe
- Online card servicing
- Annual Fee: None
- You do not already have a credit card from TSB
- You are not currently declared bankrupt, have CCJs or subject to IVA
- You have a regular income
- You are a UK resident
- You are aged 18 or over
- 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
Capital One Balance Transfer UK
The most popular Capital One credit card currently has an annual interest rate of 34.9%. Customers of other credit cards can make a balance transfer to Capital One with this card. However, this is unlikely to be a popular option for most UK credit card customers. This is due to the very high APR interest rates on this card.
Capital One balance transfer offers, at such a high interest rate, are only likely to appeal to customers who already have a very high interest rate on their existing credit card. As an example, customers looking for a Vanquis balance transfer, or an Aqua balance transfer.
Capital One credit cards in the UK use the MasterCard worldwide payment network. You can make a Capital One balance transfer for existing customers to another MasterCard credit card. You can also make a balance transfer to a Visa credit card.
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