Capital One Balance Transfer Offers

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.

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

TSB Platinum Purchase

Balance Transfers:

0% for up to 20 Months

Balance Transfer Fee:

2.95%

Purchases:

0% for up to 20 Months

Representative APR:

19.9% APR (variable)

Card Details

TSB Platinum Purchase

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

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

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)

Card Offers

Santander All in One

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

Purchases:

0% for 26 Months

Representative APR:

21.7% APR (variable)

Card Details

Santander All in One

0% interest on balance transfers for 26 month from date account opened
0% balance transfer fee
0% interest on purchases for 26 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

Santander All in One

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

Monthly fee of £3 payable

Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee of £3 payable

Card Offers

Sainsbury’s Dual Offer

Balance Transfers:

0% for up to 27 Months

Balance Transfer Fee:

Purchases:

0% for up to 27 Months

Representative APR:

20.9% APR (variable)

Card Details

Sainsbury’s Dual Offer

0% interest on balance transfers for up to 27 months
3% balance transfer fee, minimum £3
0% interest on purchases for up to 27 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

Sainsbury’s Dual Offer

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

Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)

Card Offers

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 Months

Balance Transfer Fee:

Purchases:

0% for 4 Months

Representative APR:

20.6% APR (variable)

Card Details

Co-operative Bank Balance Transfer

0% interest for 24 months for balance transfers made within 60 days
1% 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

Co-operative Bank Balance Transfer

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

Only available to Co-operative Bank customers

Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

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.

Capital One Balance Transfer Offers