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Capital One Balance Transfer Offers

Capital One Balance Transfer Offers

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 credit crunch, and the banking crisis which caused it. 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 available in the UK market. However these cards have been largely 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 credit or debt problems in the past.

As a result the credit limits on Capital One cards tend to be quite low. A £2000 credit card limit would be considered quite high for many Capital One customers, in the UK.

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. Customers can use a balance transfer to pay a lot less in interest. 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, 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:-

  • 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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Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 24 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 24 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 24 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

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
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 33 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer*
  • 0% interest for 33 months on balance transfers made within first 60 days of account opening
  • 2.7% 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

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
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 32 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 1.99% 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

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
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 up to 15 months
Balance Transfer Fee:
1.45%
Purchases:
0% for up to 15 months
Representative APR:
21.9% APR (variable)

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

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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% p.a. (variable)
No balance transfers allowed to this card from TSB credit cards

Card Offers

Balance Transfers:
0% for 12 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 12 months
Representative APR:
19.9% APR (variable)

Card Details

M&S Rewards*
  • 0% interest for 12 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 12 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

Application Criteria

M&S Rewards*
  • 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
Double M&S points on all your M&S shopping for the first 12 months
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)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

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 rates on interest.

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, 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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Published: March 23, 2022, Updated: March 23, 2022 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily