purchase-and-balance-transfer-card

Purchase & Balance Transfer credit card

0% interest on purchases and balances

0% interest on purchases for up to 23 months – 0% offer starts from account opening.
0% interest on balance transfers for up to 21 months from account opening - you must transfer your balance (move debt) in the first 3 months of account opening.
After your 0% offers end? You'll pay our standard rates.
3.49% balance transfer fee - a one-off fee. You pay it every time you move debt to this card.

You can transfer a balance from most other credit or store cards, but not from another NatWest Group credit card. You must transfer at least £100. The most you can transfer is up to 95% of your credit limit.

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

Your credit limit, length of 0% interest introductory offer and APR may be different. It depends on our credit assessment of you. For interest on fees and charges, see our terms.

To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.

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Purchase & Balance Transfer credit card

0% interest on purchases and balances

0% interest on purchases for up to 23 months – 0% offer starts from account opening.
0% interest on balance transfers for up to 21 months from account opening - you must transfer your balance (move debt) in the first 3 months of account opening.
After your 0% offers end? You'll pay our standard rates.
3.49% balance transfer fee - a one-off fee. You pay it every time you move debt to this card.

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

Your credit limit, length of 0% interest introductory offer and APR may be different. It depends on our credit assessment of you. For interest on fees and charges, see our terms.

To apply, you must be a UK resident, aged 18+ and earn £10k+ each year.

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Compare all our balance transfer cards – and choose the one that's best for you.

What you should know about 0% offers for purchases and balance transfers

This card comes with a 0% interest introductory offer. While you have this 0% offer, you won't pay interest on purchases.
We'll tell you how long your 0% offer is for at the start of your application.
After your 0% interest offer on purchases ends, you'll pay our standard interest rates on any balance (debt) you have left on your card, and you'll pay interest on any new purchases until you've paid back everything you owe.
To get the 0% balance transfer offer, you must transfer a balance (move debt) within 3 months of account opening.
You can transfer a balance from most other credit cards or store cards to your NatWest credit card. Some exclusions may apply. You can't move debt from a loan or overdraft.

Compare our 3 balance transfer cards

0% offer for purchases, plus Representative APR

0% offer for balance transfers, plus any fee

Purchase and Balance Transfer card

up to 23 months purchase period and 24.9% Representative APR (variable)

up to 21 months from account opening and 3.49% fee

Longer Balance Transfer card

First 3 months purchase period and 24.9% Representative APR (variable)

up to 36 months from account opening and 3.10% fee

Balance Transfer card

First 3 months purchase period and 24.9% Representative APR (variable)

up to 11 months from account opening with no fee

Your credit limit, length of 0% interest introductory offer and APR may be different. It depends on our credit assessment of you. For interest on fees and charges, see our terms.

See more about our Longer Balance Transfer card

Representative example: Purchase rate: 24.9% p.a. (variable) Representative APR: 24.9% APR (variable) Assumed credit limit: £1200 Annual fee: £0

See more about our Balance Transfer credit card

Representative example: Purchase rate: 24.9% p.a. (variable) Representative APR: 24.9% APR (variable) Assumed credit limit: £1200 Annual fee: £0

Before you start, please take a look at our important legal info:

See the Summary Box

How we use your information (PDF, 254 KB)

Let's start by checking your eligiblity...

We'll check your eligibility at the start – this won't harm your credit score

We'll also give you an idea of how much you could borrow - and the costs.

It's then completely up to you if you want to apply. If you do, a full credit check will be done.

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Just a heads up - here's what you'll need:

Your address details for the last 3 years
Your income, outgoings and employment details
A note of any cards you wish to transfer a balance from

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