Can You Balance Transfer Store Cards?

Can you balance transfer store cards? A Argos card balance transfer or Next store card balance transfer, for example

We have recently seen an increasing number of people looking for answers on the topic of can you balance transfer a store card?

Can You Balance Transfer Store Cards?

So can you balance transfer store cards? And if so, how do you balance transfer store cards?

The answer is yes, you can balance transfer store cards from all of the main UK retailers.

To make a balance transfer from any store card, you simply need to follow the same procedure as when making a balance transfer from a credit card.

Argos Card Balance Transfer

Can you balance transfer an Argos card, for example.

The Argos card is one of the most popular store cards. You can currently make a balance transfer from an Argos card to many UK credit cards.

You will need to provide the 16 digit card number of the store card you are transferring the balance from. This 16 digit card number is the long number on the front of the Argos card.

To make the balance transfer you will also need to provide the name of the store card e.g. Argos, for example and the amount of the balance you want to transfer.

Many balance transfer requests are made during the application process for a new UK credit card.

Store cards often charge more than 29.9% interest on any outstanding purchases. Some UK credit card offers 0% interest on balance transfers for an introductory period of time.

As a result, a balance transfer from a store card to a credit card offering 0% on balance transfers for this introductory period, can offer store card customers large savings on interest payments.

All of the following popular featured UK credit cards will accept a balance transfer from a store card :-


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Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Nationwide Member Credit Card*
  • 0% on balance transfers for 18 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 3 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

Nationwide Member Credit Card*
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
More Information
Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 25 Months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 Months
Representative APR:
21.9% APR (variable)
More Information

Card Details

HSBC Balance Transfer*
  • 0% interest on balance transfers for 25 months made within first 60 days of account opening
  • 1.5% balance transfer fee (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
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
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

Card Offers

Balance Transfers:
0% for 15 Months
Balance Transfer Fee:
1.5%
Purchases:
0% for 15 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Nationwide Member Credit Card - All Rounder*
  • 0% on balance transfers for 15 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 15 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

Nationwide Member Credit Card - All Rounder*
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
More Information
Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 28 Months
Balance Transfer Fee:
2.85%
Purchases:
0% for 6 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

M&S Transfer Plus*
  • 0% for 28 months on balance transfers made within 90 days of account opening
  • 2.85% balance transfer fee, minimum £5
  • 0% on purchases for 6 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 Months
Representative APR:
22.9% APR (variable)
More Information

Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee (minimum £5)
  • 0% interest on purchases for 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

Next Store Card Balance Transfer

Like the Argos card above, you can also make a Next store card balance transfer.

Making a Next store card balance transfer request is often made when applying for a new credit card. You simply need to provide the 16 digit card number from the front of the Next store card.

To make the Next store card balance transfer you will also need to provide the name of the store card e.g. Next, as well as the amount of the balance you want to transfer.

A balance transfer fee will be payable in most cases when you balance transfer store cards. This fee is paid to the card company that you transfer the store card balance to. There is no fee charged by the Next store card for making a balance transfer.

Store cards, differ from credit cards, in that store cards allow a customers to make a purchase in one specific brand of stores and then pay later. With a credit card however, a customer can make a purchase in any retailer using the card and then pay later.

It makes no difference whether you make store card balance transfer to a Visa or MasterCard credit card, both payment networks cards are accepted in millions of locations around the world.


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