card guide
Credit Cards, 0% Balance Transfers – Best Buy Table
Welcome to Nations Finance's credit card comparison section, where you can compare all our credit cards from cash back credit cards to introductory 0% balance transfers in our best buy table below. More Info

The majority of visitors looking for a new credit card are returning to find a new offer with an introductory 0% balance transfer rate. However, these types of credit card applicants, referred to as 'stoozers' or 'rate tarts', are having a negative effect on credit card companies profit and to fight this they have introduced a balance transfer charge. Now almost all balance transfer offers in the UK incur a fee of at least 2% of the transferred balance.

If you are one of the lucky few credit card applicants that clear their balance every month you could benefit from various reward and incentives run by credit card companies to capture your custom. These incentives include reward points, cash back, free gifts and more. However, if you do carry a credit card balance from month to month, any benefit that you receive is more than likely nullified by the high interest charges that you will incur.

However, are these types of credit card a better option than a low rate credit card? Make sure you have the right credit card for your needs, read our tips on choosing the best credit card deal.

Card Provider 0% Balance Transfers 0% Purchases Comments

16.9% APR
14 months
[2.5% fee]
3 months
Free purchase protection, online fraud guarantee and a host of incentives for UK stores including Phones4u, BuyaGift, Thomas Cook and Blockbuster
Halifax credit card
15.9% APR
12 months
[3% fee]

12 months

No annual fee, up to 59 days interest free credit, online fraud protection and free extra cards for family members.
Virgin credit card
15.9% APR
15 months [2.98% fee]
3 months
10% discount at Virgin Megastores plus money off Virgin insurance, mobiles and more

16.9% APR
13 months
[2% fee]
3 months
Online account management and discounts at the NatWest wine club

15.9% APR
12 months
[3% fee]
3 months
Free online fraud guarantee, free purchase protection and identity theft solutions.

14.9% APR
0% until July 2019
[2.9% fee]
None
Barclaycard Flexi-Rate - Take control of your APR on purchases, the more you repay, the lower your interest rate will be and could be as low as 9.9%

15.9% APR
4.9% until 31st Jan 2012
[2.5% fee]
0% for 12 months
8% discount on holidays from the travel club, advanced fraud detection, zero online fraud liability and free global assistance if your card is lost or stolen.

15.9% APR
None
None
3% cash back for first 3 months [1.5% standard]. Also, free purchase protection, refund cover and online fraud guarantee
Egg credit card
16.9% APR
0% for up to 12 months [3% fee]
0% for 3 months
Comes with egg rewards and anniversary balance transfer offers - 0% for 5 months on transferred balances in 2019 & 2009 [2.5% fee applies]
Capital One credit card
34.9% APR
None
None
For poor credit applicants
Related Credit Card Articles

Choosing the right card
Choosing a credit card can be a process full of heartache and confusion; there are so many to choose from. But do they really offer different benefits? Whether you are venturing into the world of credit for the first time or are thinking of changing your card, we examine the process of choosing a card and reach some interesting conclusions.....

Available Types Of Credit Cards
Everywhere you look these days companies are offering you credit. There are hundreds of different brands of credit card available and there are dozens of different types of credit card too. We take a brief walk through some of them.....

Cash Back or Rewards - What's Your Preference?
In their bid to retain customers credit card companies have resorted to many different marketing ploys, or 'incentives' such as cash back credit cards of branded loyalty programs. Cashback cards have proved popular, as have cards offering rewards points. But which is better? ......

Credit Card Charges
Some years ago annual fees on credit cards were common. Today as the credit card companies compete amongst themselves for consumer business with zero percent enticements most annual fees have disappeared. Now, as a result of what the industry regards as lost income through consumer fickleness the threat of annual fees is back........

Credit Card Types