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Purchase & Balance Transfer card

Our Purchase & Balance Transfer card

0% interest on purchases for up to 20 months – 0% offer starts from account opening.

0% interest on balance transfers for up to 18 months – you must transfer your balance in the first 3 months of account opening.

2.99% balance transfer fee.

​After your 0% offers end, you'll pay our standard rates.

 

Representative Example:

24.9% Representative APR (variable). Assumed credit limit: £1,200. Purchase rate: 24.9% p.a. (variable). No annual fee.

Available to UK residents, aged 18+ and earning at least £10K per year.

Your actual credit limit and APR may vary depending on our credit assessment of you.

You may receive higher than our standard purchase and balance transfer rate of 24.9% p.a. (variable) upon application - up to 29.9% p.a. (variable). You may receive a shorter 0% interest period on purchases than our standard period of up to 20 months  – our shortest period is 12 months. You may receive a shorter 0% interest period on balance transfers than our standard period of up to 18 months - our shortest period is 12 months. ​Interest on fees and charges is payable in line with our terms and conditions. See the Summary Box page for more details.

Enjoy 0% interest on purchases and balance transfers

Zero interest on balance transfers for up to 18 months

Move your credit card debit and you could pay 0% interest on it for up to 18 months.

Zero interest on purchases for up to 20 months

Buy something on your card and you could pay no interest for up to 20 months.

One-off fee of 2.99% each time you move a debt. No yearly fee.

If you move £1,000 from another card, we'll charge you £29.90. No annual fee.
Information Message

What you should know about purchases and balance transfers

Check your eligibility. (Won't harm your credit score. Yay!)

Find out if we'll say 'yes' before you apply

It takes less than 10 minutes and won't affect your credit score.

Compare our Balance Transfer cards

How much debt do you want to move onto the card?
100
15000
Please enter a transfer amount.
How much can you afford to pay back each month?
0
This is set to 3% of the balance transfer amount to give you an indication of a minimum monthly repayment.
2000
Please enter a payback amount.

Longer Balance Transfer Card

Representative Example:

 

Purchase rate: 24.9% p.a (variable)

Representative APR: 24.9% (variable)

Assumed credit limit: £1200

Annual fee: £0

Your actual credit limit, 0% interest promotional period and APR may vary depending on your credit check. Please see our terms and conditions for more details about the interest on fees and charges we charge.

Information Message

Balance Transfer Card

Representative Example:

 

Purchase rate: 24.9% p.a (variable)

Representative APR: 24.9% (variable)

Assumed credit limit: £1200

Annual fee: £0

Your actual credit limit, 0% interest promotional period and APR may vary depending on your credit check. Please see our terms and conditions for more details about the interest on fees and charges we charge.

Information Message

Get a free credit score, and more

Get a free credit score in our app

Plus tips to improve your credit score 

Pay with Apple Pay or Google Pay

It's easy, safe and quick 

Use our quick and simple app

See your PIN, replace a card, and more

Manage your card in the app

Plus, get spending alerts 

Get a free credit score within the app
Make overpayments
Check your credit score via the mobile app
Change your payment date

Are you ready to apply?

Please take your time to read this page and decide if this card is right for you. Unsure? Try our borrowing options tool.

We'll check your eligibility at the start

We'll start with some quick questions. We'll then say if you could get this card. Plus, we'll give you an idea of how much your credit limit could be - and what interest you'd pay.

The good news? This eligibility check won't affect your credit score. It's then up to you if you want to go ahead with your application - which is when we'll do a full credit check.

First, please read this important info

By choosing 'Continue' below, you confirm that we've given you the below legal documents and you're happy with what they say. Please review, print and/or save them.

All okay? Let's get started

Do you bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with NatWest
What device are you using?
Are you using your mobile, or something else, to apply for a credit card?
Is our app on the device you’re using right now?
The NatWest app is the easiest way for you to apply for a credit card. Do you have it on this device?

Great, let's get started

Just a heads up - you'll be asked to log into the NatWest mobile app to start your credit card application.

Do you have NatWest online banking?
If you know your online banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our credit cards page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1.  Log in to Online Banking.
  2. Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our credit card page.
  4. Choose ‘Apply for a credit card’.
  5. Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply.

 

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our credit card page.

How to apply:

(Please take notes or a picture of this, so you remember!)

1.       Log in to Online Banking.

2.       Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).

3.       You’ll return to our credit card page.

4.       Choose ‘Apply for a credit card’.

5.       Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply.

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest debit card, if you have one.

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner Mitek will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about Mitek and Photo ID, take a look at our FAQs below.

Purchase & Balance Transfer card FAQs