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NatWest Purchase & Balance Transfer Credit Card review 2021

To take advantage of this 20-month 0% transfer period, you'll need to be an existing NatWest customer. But the card debt you want to transfer will need to be held outside of the NatWest Group.

You say: ★★★★★We say: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
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Tom Stelzer
Last Updated

20 months

0% interest on balance transfers

21.9%

Representative APR

20 months

0% interest on purchases

£0

Account fee

Details

IssuerNatWest
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 20 months reverting to 21.9%
Balance transfer fee1.99%
Purchases0% for 20 months reverting to 21.9%
Purchases interest-free periodUp to 56 days
Money transfers26.9%
Cash advances26.9%
Min credit limit£250
Max credit limitNot specified
Additional cards available1
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Review by

Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.

Expert review

With a representative APR of 21.9%, and no annual fees, the NatWest Longer Balance Transfer credit card is a competitive all-rounder.

But the main reason to consider this card is the headline-grabbing 18-month 0% balance transfer period, plus the 0% rate on purchases for the first 20 months.

While there are limits around the balances you can transfer (a maximum of 95% of your available credit limit, which must be transferred within the first 3 months), this is the longest 0% period currently on the market.

You’ll also need to be an existing customer, although the card debt that you bring across will need to be from a card held outside the NatWest Group (NatWest, RBS, Ulster Bank and, er, Coutts).

Keep in mind, you’ll need to pay a fee on any balance transfer, which may rule out anyone looking to transfer a particularly large balance. If you think you can manage it, NatWest’s other balance transfer card offers a generous 18-month 0% period with no fee, which may be a better bet for those who don’t need 20 months to pay off their balance.

The NatWest Purchase & Balance Transfer Credit Card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.

Pros and cons

Pros

  • Customers report excellent customer service when dealing with NatWest
  • Over a year of 0% interest to focus on reducing existing card debt
  • Over a year to spread the cost of purchases
  • No annual fee

Cons

  • Minimum annual income requirement of £10,000
  • Only available to existing customers

How does it compare?

NatWest's card

Data updated daily
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
NatWest Purchase & Balance Transfer Credit Card Mastercard
NatWest Purchase & Balance Transfer Credit Card Mastercard
0% for 20 months reverting to 21.9%
1.99%
0% for 20 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
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Compare up to 4 providers

Other popular balance transfer deals

Table: sorted by length of 0% balance transfer offer, promoted deals first
Data updated daily
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
Santander Everyday Long Term Balance Transfer Credit Card
Santander Everyday Long Term Balance Transfer Credit Card
0% for 31 months reverting to 20.9%
2.75% (min. £5) for 31 months reverting to 3% (min. £5)
0% for 3 months reverting to 20.9%
£0
20.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).
Check eligibility
Read review
M&S Bank Transfer Plus Offer Mastercard
M&S Bank Transfer Plus Offer Mastercard
0% for 29 months reverting to 21.9%
2.75% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
HSBC Balance Transfer Credit Card
HSBC Balance Transfer Credit Card
0% for 29 months reverting to 21.9%
2.85% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
Santander All in One Credit Card
Santander All in One Credit Card
0% for 26 months reverting to 17.9%
0% for 26 months reverting to 3% (min. £5)
0% for 20 months reverting to 17.9%
£3 per month
23.7% APR (variable)
0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
Check eligibility
Read review
M&S Bank Shopping Plus Credit Card
M&S Bank Shopping Plus Credit Card
0% for 22 months reverting to 21.9%
2.9% (min. £5)
0% for 22 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
HSBC No Fee Balance Transfer Credit Card Visa
HSBC No Fee Balance Transfer Credit Card Visa
0% for 20 months reverting to 21.9%
0% for 2 months reverting to 2% (min. £5)
21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
Santander Everyday No Balance Transfer Fee Credit Card
Santander Everyday No Balance Transfer Fee Credit Card
0% for 18 months reverting to 20.9%
0% for 18 months reverting to 3% (min. £5)
0% for 3 months reverting to 20.9%
£0
20.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 20.9% p.a. (variable), your representative rate is 20.9% APR (variable).
Check eligibility
Read review
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)
0% for 18 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9% p.a. (variable)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
Check eligibility
Read review
The NatWest Balance Transfer Credit Card (eligibility criteria apply)
The NatWest Balance Transfer Credit Card (eligibility criteria apply)
0% for 18 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9% p.a. (variable)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
Check eligibility
Read review
HSBC Purchase Plus Credit Card Visa
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
2.9% (min. £5) for transfers in first 60 days
0% for 18 months reverting to 22.9%
£0
22.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
Read review
M&S Bank Rewards Offer Mastercard
M&S Bank Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
2.9% (min. £5)
0% for 12 months reverting to 19.9%
£0
19.9% APR (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
Read review
Tesco Bank Balance Transfer Card
Tesco Bank Balance Transfer Card
0% for 30 months reverting to 20.94%
2.99% for 30 months reverting to 3.99%
20.94%
£0
20.9% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
Read review
Virgin Money 29 Month Balance Transfer Credit Card Mastercard
Virgin Money 29 Month Balance Transfer Credit Card Mastercard
0% for 29 months reverting to 21.9%
2.7% for 2 months reverting to 5%
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Enjoy exclusive offers and rewards on the Virgin Red app.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Sainsbury's Bank 29 Month Balance Transfer Credit Card Mastercard
Sainsbury's Bank 29 Month Balance Transfer Credit Card Mastercard
0% for 29 months reverting to 21.95%
2% (min. £3) for 3 months reverting to 3% (min. £3)
0% for 3 months reverting to 21.95%
£0
21.9% APR (variable)
Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
MBNA Long 0% Balance Transfer Credit Card
MBNA Long 0% Balance Transfer Credit Card
0% for 29 months reverting to 21.93%
2.69% for 2 months reverting to 5%
21.93%
£0
21.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Halifax Low Fee 0% Balance Transfer Credit Card
Halifax Low Fee 0% Balance Transfer Credit Card
0% for 29 months reverting to 21.93%
2.7% for 3 months reverting to 5%
0% for 9 months reverting to 21.93%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
first direct Credit Card
first direct Credit Card
0% for 27 months reverting to 18.9%
2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)
18.9%
£0
18.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Read review
Virgin Money 27 Month Balance Transfer Credit Card Mastercard
Virgin Money 27 Month Balance Transfer Credit Card Mastercard
0% for 27 months reverting to 21.9%
1.2% for 2 months reverting to 5%
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Enjoy exclusive offers and rewards on the Virgin Red app.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
TSB Platinum Balance Transfer Card
TSB Platinum Balance Transfer Card
0% for 27 months reverting to 21.95%
2.95% for 3 months reverting to 5%
0% for 3 months reverting to 21.95%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
Read review
Sainsbury's Bank 27 Month Balance Transfer Credit Card Mastercard
Sainsbury's Bank 27 Month Balance Transfer Credit Card Mastercard
0% for 27 months reverting to 21.95%
1% (min. £3) for 3 months reverting to 3% (min. £3)
0% for 3 months reverting to 21.95%
£0
21.9% APR (variable)
Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
MBNA Low Fee 0% Balance Transfer Credit Card
MBNA Low Fee 0% Balance Transfer Credit Card
0% for 27 months reverting to 21.93%
1% for 2 months reverting to 5%
21.93%
£0
21.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
The Co-operative Bank Balance Transfer Credit Card Visa
The Co-operative Bank Balance Transfer Credit Card Visa
0% for 24 months reverting to 20.6%
0%
0% for 4 months reverting to 20.6%
£0
20.6% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).
Read review
Barclaycard Platinum 24 Month Balance Transfer Credit Card
Barclaycard Platinum 24 Month Balance Transfer Credit Card
0% for 24 months reverting to 21.9%
0.9% for 2 months reverting to 1%
0% for 6 months reverting to 21.9%
£0
21.9% APR (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Sainsbury's Bank Dual 22 Month Offer Credit Card Mastercard
Sainsbury's Bank Dual 22 Month Offer Credit Card Mastercard
0% for 22 months reverting to 20.95%
3% (min. £3)
0% for 22 months reverting to 20.95%
£0
20.9% APR (variable)
Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
Read review
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard
0% for 22 months reverting to 21.94%
1.99% for 3 months reverting to 5%
0% for 9 months reverting to 21.94%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card
0% for 22 months reverting to 21.93%
1.99% for 3 months reverting to 5%
0% for 9 months reverting to 21.93%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
MBNA 0% Transfer and Purchase Credit Card
MBNA 0% Transfer and Purchase Credit Card
0% for 21 months reverting to 21.93%
2.99% for 2 months reverting to 5%
0% for 21 months reverting to 21.93%
£0
21.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card
0% for 20 months reverting to 20.94%
1.99% for 20 months reverting to 3.99%
0% for 20 months reverting to 20.94%
£0
20.9% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
Read review
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
0% for 20 months reverting to 21.9%
1.99%
0% for 20 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Mastercard
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Mastercard
0% for 20 months reverting to 21.9%
1.99%
0% for 20 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
NatWest Purchase & Balance Transfer Credit Card Mastercard
NatWest Purchase & Balance Transfer Credit Card Mastercard
0% for 20 months reverting to 21.9%
1.99%
0% for 20 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Barclaycard Platinum All-Rounder Visa
Barclaycard Platinum All-Rounder Visa
0% for 20 months reverting to 21.9%
2.9% for 2 months reverting to 3%
0% for 21 months reverting to 21.9%
£0
21.9% APR (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Virgin Money 19 Month All Round Credit Card Mastercard
Virgin Money 19 Month All Round Credit Card Mastercard
0% for 19 months reverting to 21.9%
2.9% for 2 months reverting to 5%
0% for 19 months reverting to 21.9%
£0
21.9% APR (variable)
Enjoy exclusive offers and rewards on the Virgin Red app.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Sainsbury’s Bank No Balance Transfer Fee Credit Card
Sainsbury’s Bank No Balance Transfer Fee Credit Card
0% for 19 months reverting to 21.95%
0% for 3 months reverting to 3% (min. £3)
0% for 3 months reverting to 21.95%
£0
21.9% APR (variable)
Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
John Lewis and Waitrose Partnership Mastercard
John Lewis and Waitrose Partnership Mastercard
0% for 18 months reverting to 18.9%
2.9% (min. £5) at anytime reverting to 3% (min. £5)
0% for 9 months reverting to 18.9%
£0
18.9% APR (variable)
Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £4 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Read review
HSBC Premier Credit Card
HSBC Premier Credit Card
0% for 18 months reverting to 18.9%
1.4% (min. £5)
0% for 9 months reverting to 18.9%
£0
18.9% APR (variable)
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Read review
Nationwide Member Credit Card Balance Transfer Offer
Nationwide Member Credit Card Balance Transfer Offer
0% for 18 months reverting to 19.9%
1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)
0% for 3 months reverting to 19.9%
£0
19.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Read review
Ulster Bank Balance Transfer Credit Card Mastercard
Ulster Bank Balance Transfer Credit Card Mastercard
0% for 18 months reverting to 21.9%
0.49%
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard
0% for 18 months reverting to 21.94%
2.99% for 3 months reverting to 5%
0% for 21 months reverting to 21.94%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Santander World Elite Mastercard
Santander World Elite Mastercard
0% for 18 months reverting to 18.9%
0% for 18 months reverting to 3% (min. £5)
0% for 18 months reverting to 18.9%
£15 per month
49.8% APR (variable)
0.5% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
Read review
Sainsbury's Bank Nectar Reward Credit Card
Sainsbury's Bank Nectar Reward Credit Card
0% for 17 months reverting to 20.95%
3% (min. £3)
0% for 17 months reverting to 20.95%
£0
20.9% APR (variable)
Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury's, Argos, Habitat or Tu Clothing during the 2 months after your account is opened.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
Read review
Halifax 0% Purchase and Balance Transfer Mastercard
Halifax 0% Purchase and Balance Transfer Mastercard
0% for 17 months reverting to 21.93%
2.99% for 3 months reverting to 5%
0% for 17 months reverting to 21.93%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard
0% for 17 months reverting to 21.93%
2.99% for 3 months reverting to 5%
0% for 17 months reverting to 21.93%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Read review
Virgin Money 16 Month Balance Transfer Credit Card Mastercard
Virgin Money 16 Month Balance Transfer Credit Card Mastercard
0% for 16 months reverting to 27.9%
3% for 2 months reverting to 5%
0% for 3 months reverting to 27.9%
£0
27.9% APR (variable)
Enjoy exclusive offers and rewards on the Virgin Red app.
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
Read review
Nationwide Member Credit Card All Rounder Offer
Nationwide Member Credit Card All Rounder Offer
0% for 15 months reverting to 19.9%
1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)
0% for 15 months reverting to 19.9%
£0
19.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Read review
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard
0% for 15 months reverting to 20.94%
1.99% for 15 months reverting to 3.99%
0% for 15 months reverting to 20.94%
£0
20.9% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
Read review
TSB Platinum Purchase Card
TSB Platinum Purchase Card
0% for 15 months reverting to 21.95%
1.45% for 3 months reverting to 5%
0% for 15 months reverting to 21.95%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
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MBNA No Fee 0% Balance Transfer Credit Card
MBNA No Fee 0% Balance Transfer Credit Card
0% for 15 months reverting to 21.93%
0% for 2 months reverting to 5%
21.93%
£0
21.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Barclaycard Platinum 15 Month No Fee Balance Transfer Visa
Barclaycard Platinum 15 Month No Fee Balance Transfer Visa
0% for 15 months reverting to 21.9%
0% for 2 months reverting to 1%
0% for 6 months reverting to 21.9%
£0
21.9% APR (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
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MBNA Long 0% Money Transfer Credit Card
MBNA Long 0% Money Transfer Credit Card
0% for 12 months reverting to 22.93%
4% for 2 months reverting to 5%
22.93%
£0
22.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 22.93% (variable) p.a., your representative rate is 22.9% APR (variable).
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IHG Rewards Club Credit Card Mastercard
IHG Rewards Club Credit Card Mastercard
0% for 12 months reverting to 22.9%
3% (min. £3)
22.9%
£0
22.9% APR (variable)
Receive 1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK and 2 IHG Rewards Club points for every £1 spent abroad.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
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Virgin Money 12 Month All Round Credit Card Mastercard
Virgin Money 12 Month All Round Credit Card Mastercard
0% for 12 months reverting to 27.9%
2.9% for 2 months reverting to 5%
0% for 12 months reverting to 27.9%
£0
27.9% APR (variable)
Enjoy exclusive offers and rewards on the Virgin Red app.
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
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Post Office Classic Card
Post Office Classic Card
0% for 12 months reverting to 34.94%
2.9%
0% for 12 months reverting to 34.94%
£0
34.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through NatWest's app, by logging in to your online banking or over the phone (0345 788 8444). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score and incurring the late payment fee of £12). You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires – simply divide your outstanding balance by 20 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply

Provided you already have a current account, savings account, credit card or mortgage with NatWest, you can start by going to the bank's site and using its "Credit card eligibility checker". This runs a "soft" credit search to give you a clear idea as to whether or not you'd be approved for the deal (without hurting your credit score). If it's good news, you can proceed to the full application, which takes 5-10 minutes to complete.

Frequently asked questions

What credit limit will I get with the NatWest Purchase & Balance Transfer Credit Card?

If NatWest is able to offer you this deal, the offer will specify a personalised credit limit based on NatWest's assessment of your situation. The minimum limit offered on this card is £250 and NatWest does not specify a maximum. Once you've had the card for a while and shown NatWest that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the NatWest Purchase & Balance Transfer Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the NatWest Purchase & Balance Transfer Credit Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250, and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 26.9%, which is 23% more than the standard purchases rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

Can I transfer a balance from another NatWest-branded card to the NatWest Purchase & Balance Transfer Credit Card?

No. NatWest doesn't accept balance transfers from credit cards issued through the NatWest group, which (as well as NatWest) includes Ulster Bank, RBS and Coutts.

How much does it cost to use the NatWest Purchase & Balance Transfer Credit Card abroad?

Non-sterling transactions are subject to a 2.75% charge. For example, if you spend 200 euros (£168.88), it'll cost you around £4.64 in fees.

Can I transfer money from the NatWest Purchase & Balance Transfer Credit Card to a bank account?

Yes. That's what's known as a "money transfer" (rather than a "balance transfer") in credit card jargon. You can arrange this from your online banking or using NatWest's app. This part of your card balance will incur interest of 26.9%. The fee for a money transfer is 3%.

Finder credit card ratings

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★★★★★ — Subpar
★★★★★ — Poor

Our experts score balance transfer cards to determine their value against similar products on the market. We look at a number of important factors, like the length of the balance transfer offer, the balance transfer fee, any restrictions to making a transfer, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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