Capital One Balance Transfer Credit Card
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).
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 | The Capital One Balance Transfer Credit Card offers 0% interest on balance transfers for up to 18 months and on purchases for up to 3 months, helping you manage your existing debt and new spending more affordably. |
| 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% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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