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Marbles Balance Transfer

Marbles Balance Transfer

What are the current Marbles balance transfer options for UK customers with a Marbles credit card?

Recently, we have seen many Marbles credit card customers looking for answers on the topic of making a Marbles balance transfer.

The current Marbles credit card is a credit card which is primarily for those customers who have a low income and no credit history. It is also suitable for those customers with a poor credit history. As a result, the standard interest rate on the Marbles card is a higher than average representative 34.9% APR variable.

With this higher than average interest rate, it is no surprise that many customers are looking to make a balance transfer to a new credit card with a lower interest rate, in order to save money.

Marbles Balance Transfer Offers

Are you a customer who has had a Marbles credit card for 12 months or more, stayed within your credit limit and have made all the monthly payments on time during that period? If so, then you are likely to have improved their overall credit rating.

With a stronger credit history, a customer then has the option to make a balance transfer to another credit card with a lower interest rate. This balance transfer can then save you money by paying a lot less in interest.

Many of the other interest free credit cards will accept a Marbles balance transfer, although a customer will need to have an improved credit rating, to successfully apply for any new 0% balance transfer credit card.

The following featured balance transfer cards are most likely to be suitable for a Marbles card balance transfer:-


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Card Offers

Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 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 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

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

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

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

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 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)

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

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
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 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
34.9% APR (variable)

Card Details

Capital One Balance Transfer
  • 0% on balance transfers for up to 18 months
  • 3% balance transfer fee
  • 0% on purchases for 3 months
  • Credit limit up to £86000
  • Online account management
  • Annual Fee: None

Application Criteria

Capital One Balance Transfer
  • You are a UK resident
  • You have had credit cards in the past
  • You are a home owner
  • You have an income of more than £20,000 per year
  • You are aged 18 or over
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)
No balance transfers allowed to this card from Capital One or Post Ofice credit cards

Marbles Credit Card Balance Transfer

All of the above UK credit cards will accept a Marbles balance transfer online. This is provided that the customer meets the new credit card’s application criteria.

Existing Marbles credit card customers are much more likely to be accepted for any of the above 0% transfer credit cards if they can meet all of the following criteria:-

  • Have had a Marbles credit card for at least 12 months or more
  • Made at least the minimum payment on time every month
  • Have no recent late payment problems on any other debt
  • No recent CCJ’s
  • Have a low level of overall debt in relation to your overall annual income

UK credit card customers can make a balance transfer to a Marbles credit card. This does require a 3% balance transfer fee to be paid. However given the high representative 34.9% APR variable interest rate, this is unlikely to a popular balance transfer choice.

It may still appeal to some Aqua balance transfer customers, or customers looking to make a balance transfer from Vanquis. This would only be suitable for customers who already have a higher interest rate, and continuing credit problems.

The old Marbles 0% card did provide 0% introductory rates on both balance transfers and purchases around 10 years ago. However, these 0% introductory rates are now, no longer available on the new Marbles card.


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Published: November 23, 2021, Updated: November 23, 2021 by Balance Transfer Expert

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