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Can You Balance Transfer Store Cards?

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

We have over recent months, seen an increase in the 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. This applies to store cards from almost all of the main UK high street 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 may be able make a balance transfer from an Argos card to a new UK credit card.

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 store card. Older Argos store cards have a 19 digit card number and as a result, these cards cannot make a balance transfer online.

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 very often charge more than 29.9% APR interest on any outstanding purchases. Some of the most popular UK credit cards offer 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 20 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 20 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

M&S Shopping Plus*
  • 0% for 20 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 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
More Information

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
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)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% 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
More Information

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
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
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% 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
More Information

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
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)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

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 applies (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
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • 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
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
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for up to 15 months
Balance Transfer Fee:
1.45%
Purchases:
0% for up to 15 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

TSB Platinum Purchase
  • 0% interest for up to the first 15 months on balances transferred within first 90 days
  • 1.45% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 15 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
No balance transfers allowed to this card from TSB credit cards

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 when a customer makes 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 of these payment networks and their issued credit cards are accepted in millions of locations around the world.


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Published: May 14, 2021, Updated: June 3, 2021 by Balance Transfer Expert

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