
Capital One balance transfer offers in the UK have been noticeable, largely by their absence over recent years.
Ever since the start of the credit crunch and the banking crisis which caused it, there have been only very limited periods of time where 0% Capital One balance transfer offers, have been available on the Capital One range of credit cards.
The Capital One credit cards that have been available in the UK market have been targeted at those customers who have a bad credit history. This includes, those customers looking for a credit builder product to rebuild their credit rating, after problems in the past.
Capital One Balance Transfer Offers
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, given the very high rate of interest on balance transfers, this is unlikely to be a popular option for most UK credit card customers.
Capital One balance transfer offers, at such a high interest rate, are only likely to appeal to customers with a very high interest rate on their existing credit card. As an example, customers looking for a Vanquis balance transfer.
Capital One Balance Transfer Existing Customers
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.
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. This can be achieved by paying a lot less in interest.
When looking for Capital One balance transfer offers for existing customers, a customer 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:-
- You 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
- You have no recent late 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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Card Offers
Card Details
- 0% interest for up to the first 20 months on balances transferred within first 90 days
- 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
- 0% interest on purchases for up to the first 20 months
- Internet fraud protection and Clicksafe
- Online card servicing
- Annual Fee: None
Application Criteria
- 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
Card Offers
Card Details
- 0% interest on balance transfers for 26 month from date account opened
- 0% balance transfer fee
- 0% interest on purchases for 20 month from date account opened
- 0.5% cashback on all of your purchases
- No foreign transaction fee on purchases made abroad in local currency
- Cashback through Retailer Offers
- Monthly Fee: £3
Application Criteria
- You are a permanent UK resident
- You have a good credit history with no history of bad credit
- You have an income of £7,500 per year or more
- You are at least 18 years of age
Card Offers
Card Details
- 0% interest on balance transfers for up to 20 months
- 3% balance transfer fee, minimum £3 on transfers made at application
- 0% interest on purchases for up to 20 months
- Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
- Collect 1 Nectar point for every £5 spent on your card elsewhere
- Online account management
- Annual Fee: None
Application Criteria
- You have a permanent UK address
- You have not been declined for credit in the last month
- You do not have a history of bad credit
- You are aged 18 or over
Card Offers
Card Details
- 0% interest for 24 months for balance transfers made within 60 days
- 3% balance transfer fee, minimum £5
- 0% interest on purchases for 4 months from account opening
- All successful applicants will receive this exact rate and offer
- Online account management
- Annual Fee: None
Application Criteria
- Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
- You are a UK resident
- You have annual income of £10,000 or more
- You are aged 18 or over
Capital One credit cards are issued in the UK using the MasterCard worldwide payment network. You can make a Capital One balance transfer for existing customers to either another MasterCard credit card, or to a Visa credit card.
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