Capital One Balance Transfer Credit Card

3.6

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

0% for up to 3 months, then 34.94% (variable) p.a.

Balance Transfers

0% for 18 months, then 34.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.6

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

This Capital One balance transfer credit card may be suitable for individuals with lower credit scores who are seeking a balance transfer option. It offers a 0% interest period on balance transfers for up to 18 months, helping consumers reduce interest payments while managing existing debt.

Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.

Product Features & Benefits

Issuer	Capital One
Network	Mastercard
Primary Category	Credit Building
Loyalty Scheme
Incentive on opening	0% on balance transfers for up to 18 months and on Purchases for up to 3 months
Cashback/Rewards (if applicable)	No cashback scheme
Account Fee	£0
Purchases	0% for up to 3 months, then 34.94% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 18 months, then 34.94% (variable) p.a. (3% fee)
Balance Transfer Fee	3.00%
Cash Advances	34.94% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 200.00
Maximum Credit Limit	Subject To Status: £8,000

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 12
Exceed Limit	£ 12
Duplicate Statement	£ 0
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	3%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	2.75%
Foreign Usage World	2.75%