{"id":156570,"date":"2018-12-13T21:45:06","date_gmt":"2018-12-13T21:45:06","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=156570"},"modified":"2025-06-26T14:56:12","modified_gmt":"2025-06-26T13:56:12","slug":"bank-of-scotland-platinum-purchase-balance-transfer-mastercard","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/bank-of-scotland\/bank-of-scotland-platinum-purchase-balance-transfer-mastercard","title":{"rendered":"Bank of Scotland 0% Purchase and Balance Transfer Credit Card review"},"content":{"rendered":"<h3 id=\"compare-anchor\" class=\"no-margin-bottom\">Compare other cards with \u201cmatched\u201d 0% deals<\/h3><div class=\"fin-text-grey text-x-small has-margin-bottom\">Table: sorted by representative APR, promoted deals first<\/div><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\nvar getEventToListenTo = () => {\n  if (window.matchMedia('(any-hover:none)').matches) {\n    if (window.matchMedia('(max-width: 450px)').matches) {\n      return \"scroll\";\n    }\n  }\n  return \"DOMContentLoaded\";\n};\nvar eventToWatch = getEventToListenTo();\nconst loadFinderScoreModalukccf = () => {\n  setTimeout(function(){\n   window.loadOnTheFly.html(\n      'partial', {\n          id: 'finder-score-ukccf-modal-optimized',\n      },\n      function (response) {\n          document.getElementsByTagName(\"body\")[0].appendChild(response);\n          var modal = document.getElementById('finderScoreModal-ukccf');\n          var closeButton = modal.querySelector(\"#closeButton\");\n          closeButton.onclick = function (event) {\n            modal.classList.add(\"elementHidden\");\n          };\n          var btnReadMethodology = modal.querySelector(\"#btnReadMethodology\");\n          btnReadMethodology.addEventListener(\"click\", function(e) {\n            modal.classList.add(\"elementHidden\");\n          });\n          window.onclick = function (event) {\n            if (event.target == modal) {\n              modal.classList.add(\"elementHidden\");\n            }\n          };\n      }\n  );\n  },1000);\n  window.removeEventListener(eventToWatch, loadFinderScoreModalukccf);\n};\nwindow.addEventListener(eventToWatch, loadFinderScoreModalukccf);\nvar showFinderScoreModal = (niche) => {\n  var existCondition = setInterval(function() {\n    const modalLoaded = document.getElementById('finderScoreModal-ukccf');\n    if (modalLoaded) {\n      clearInterval(existCondition);\n      modalLoaded.classList.remove('elementHidden');\n    }\n  }, 500); \/\/ check every 0.5s\n}\n<\/script><div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"92dee647-be59-4a6a-9f80-541914b9a879\" data-template=\"comparison\" data-niche=\"UKCCF\" data-site=\"UKCCF\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"newdefault\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"156570\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"newdefault\",\"template\":\"comparison\",\"category_id\":\"92dee647-be59-4a6a-9f80-541914b9a879\",\"category_name\":\"matched\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1779193498}' data-disable-alternative-products=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"3f6e7a4a-8226-4e6c-8df9-51bc77100dc3\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-92dee647-be59-4a6a-9f80-541914b9a879\">2 of 2 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated\n\t\t\t\t\tdaily<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-mobile-compare=\"true\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKCCF\" data-site=\"UKCCF\" data-table-id=\"831\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"newdefault\",\"template\":\"comparison\",\"category_id\":\"92dee647-be59-4a6a-9f80-541914b9a879\",\"category_name\":\"matched\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1779193498}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukccf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"8\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"2\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"7f916c8faaa1a485bc9cb0c419315a103615a934f4ac5875c2409198fa9f4e50\" data-table-record-type=\"product\" data-table-record-ids='[\"c3463d43-1891-4976-8661-6a0adb9d6869\",\"0c31ae54-e94c-42e4-843e-d57365078a0a\"]' data-total-data=\"2\" data-enable-top-filters=\"false\" data-total-product-count=\"2\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-5\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKCCF.PRODUCT.DATAPOINT_FINDER_SCORE_V2_M\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.PURCHASES\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"purchases\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Purchases\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.UKCCF_BALANCE_TRANSFER_NEW\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"balance_transfers\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Balance transfers\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.RATES_AND_FEES.ACCOUNT_FEES\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"annual\/monthly_fees\">\n                                                        Annual\/monthly fees\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKCCF.PRODUCT.REPRESENTATIVE_APR\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"representative_apr\">\n                                                        Representative APR\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom no-padding-top product-table_description span-row sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"key_benefit\">\n                                                        Key benefit\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th class=\"comparison-table__feature comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"representative_example\">\n                                                        Representative example\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"c3463d43-1891-4976-8661-6a0adb9d6869\" data-provider-id=\"7f6f8fc7-d0cc-4af5-bc01-ce3cbae8c6b7\" data-product-name=\"Virgin Money All Round Credit Card (20m)\" data-provider-name=\"Virgin Money\" class=\"grid-column-count-5  mobile-column-count-3 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-0-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6862bc97cd1c3.png\" alt=\"Virgin Money All Round Credit Card (20m) image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6862bc97cd1c3.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6862bc97cd1c3.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6862bc97cd1c3.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6862bc97cd1c3.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6862bc97cd1c3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\/virgin-money-all-round-0-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Virgin Money All Round Credit Card (20m)<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body awards-badge__body hasPopover\" rel=\"popover\" data-content=\"Virgin Money won the credit cards category in the &lt;a href='https:\/\/www.finder.com\/uk\/credit-cards\/finder-credit-cards-customer-satisfaction-awards-2024'&gt;Finder Customer Satisfaction Awards 2024&lt;\/a&gt;\" data-html=\"true\"><span class=\"badge-text\">Finder Award<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            default-sort-descending\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.purchases\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchases\">\n                        0% for 20 months\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                default-sort-descending\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_balance_transfer_new\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Balance transfers\">\n                        0% for 20 months<br>(2.95% fee) <span class=\"table-popover\" rel=\"popover\" data-content=\"Transfers must be made within the first 60 days from account opening.\" title=\"More info\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\u00a30\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual\/monthly fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            \" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.representative_apr\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative APR\">\n                        24.9% APR (variable)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":24.9%.\u00a31,200.24.9%...\" data-column-index=\"7\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table td.comparison-table__cta a { white-space: normal; word-break: normal !important; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; } }.wlIframe__container .comparison-table .luna-button--success, .form__buttonContainer button.btn.btn-secondary { background-color: #007ac8; border-radius: 8px !important; font-style: normal !important; text-transform: none !important; }.wlIframe__container .comparison-table .luna-button--success:hover { background-color: #003186; }.wlIframe__container .comparison-table [data-heading*=\"Rewards earn rate\"] { display: block !important; }<\/style><a href=\"#\" target=\"_blank\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Virgin Money All Round Credit Card (20m)\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-c3463d43-1891-4976-8661-6a0adb9d6869\" value=\"c3463d43-1891-4976-8661-6a0adb9d6869\" name=\"productID\" _productname=\"Finder score 7.3Great                            Virgin Money All Round Credit Card (20m)Finder Award            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":7.3,\"badges\":[\"finder_awards\"],\"productId\":\"c3463d43-1891-4976-8661-6a0adb9d6869\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-c3463d43-1891-4976-8661-6a0adb9d6869\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"0c31ae54-e94c-42e4-843e-d57365078a0a\" data-provider-id=\"c9c618ba-5d07-457b-9a7c-bbe559b70f31\" data-product-name=\"Santander World Elite Mastercard\" data-provider-name=\"Santander\" class=\"grid-column-count-5  mobile-column-count-3 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/santander\/santander-world-elite-mastercard\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/660eaa612f225.png\" alt=\"Santander World Elite Mastercard image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/660eaa612f225.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/660eaa612f225.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/660eaa612f225.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/660eaa612f225.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/660eaa612f225.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.4<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/santander\/santander-world-elite-mastercard\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Santander World Elite Mastercard<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body generic-badge__body hasPopover\" data-content=\"\" data-html=\"true\"><span class=\"badge-text\">Existing Customers Only<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.4<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            default-sort-descending\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.purchases\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchases\">\n                        0% for 18 months\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                default-sort-descending\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_balance_transfer_new\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Balance transfers\">\n                        0% for 18 months<br>(0% fee)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\u00a315 per month\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual\/monthly fees\">\n                        \u00a315 per month\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            \" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.representative_apr\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative APR\">\n                        49.8% APR (variable)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":49.8%.\u00a315,\u00a31,200.18.9%...\" data-column-index=\"7\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 49.8% APR variable. Based on \u00a315 monthly fee, assumed borrowing of \u00a31,200. Rate of interest 18.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table td.comparison-table__cta a { white-space: normal; word-break: normal !important; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; } }.wlIframe__container .comparison-table .luna-button--success, .form__buttonContainer button.btn.btn-secondary { background-color: #007ac8; border-radius: 8px !important; font-style: normal !important; text-transform: none !important; }.wlIframe__container .comparison-table .luna-button--success:hover { background-color: #003186; }.wlIframe__container .comparison-table [data-heading*=\"Rewards earn rate\"] { display: block !important; }<\/style><a href=\"#\" target=\"_blank\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Santander World Elite Mastercard\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-0c31ae54-e94c-42e4-843e-d57365078a0a\" value=\"0c31ae54-e94c-42e4-843e-d57365078a0a\" name=\"productID\" _productname=\"Finder score 7.4Great                            Santander World Elite MastercardExisting Customers Only            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":7.4,\"badges\":[],\"productId\":\"0c31ae54-e94c-42e4-843e-d57365078a0a\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-0c31ae54-e94c-42e4-843e-d57365078a0a\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - now;\n\n        if (distance < 0) {\n          \/\/ Countdown finished\n          if (daysEl) daysEl.textContent = \"00d\";\n          if (hoursEl) hoursEl.textContent = \"00h\";\n          if (minutesEl) minutesEl.textContent = \"00m\";\n          if (secondsEl) secondsEl.textContent = \"00s\";\n          if (countdownInterval) {\n            clearInterval(countdownInterval);\n          }\n          return;\n        }\n\n        const days = Math.floor(distance \/ (1000 * 60 * 60 * 24));\n        const hours = Math.floor((distance % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n        const minutes = Math.floor((distance % (1000 * 60 * 60)) \/ (1000 * 60));\n        const seconds = Math.floor((distance % (1000 * 60)) \/ 1000);\n\n        if (daysEl) daysEl.textContent = days.toString().padStart(2, \"0\") + \"d\";\n        if (hoursEl) hoursEl.textContent = hours.toString().padStart(2, \"0\") + \"h\";\n        if (minutesEl) minutesEl.textContent = minutes.toString().padStart(2, \"0\") + \"m\";\n        if (secondsEl) secondsEl.textContent = seconds.toString().padStart(2, \"0\") + \"s\";\n      };\n\n      \/\/ Update immediately\n      updateCountdown();\n\n      \/\/ Update every second\n      countdownInterval = setInterval(updateCountdown, 1000);\n\n      \/\/ Store interval ID to clear it later if needed\n      rewardsProduct.dataset.countdownInterval = countdownInterval;\n    }\n\n    const initRewards = (table) => {\n      if (!table) return;\n\n      const recordIdsAttr = table.getAttribute(\"data-table-record-ids\");\n      if (!recordIdsAttr) return;\n\n      let productIds = [];\n      try {\n        const decoded = recordIdsAttr.replace(\/&quot;\/g, '\"');\n        productIds = JSON.parse(decoded);\n      } catch (e) {\n        return;\n      }\n\n      if (!productIds.length) return;\n\n      productIds.forEach((productId) => {\n        \/\/ Handle pill clicks (minimal UX variant) - independent of infobox\n        const pill = table.querySelector(\n          `tr[data-product-id=\"${productId}\"] .rewards-pill`\n        );\n        if (pill && !pill.dataset.bound) {\n          pill.dataset.bound = \"true\";\n          pill.addEventListener(\"click\", () => {\n            const row = pill.closest(\"tr\");\n            if (!row) return;\n\n            const cta = row.querySelector(\".rewards--cta\");\n            if (!cta) return;\n\n            const linkParams = getLinkParams(cta);\n            if (!linkParams) return;\n\n            const pillModalParams = {\n              productId: linkParams.productId,\n              campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n              redirectUrl: linkParams.redirectUrl,\n              productName: linkParams.productName,\n              providerName: row.getAttribute(\"data-provider-name\") || \"\",\n              niche: linkParams.niche,\n              offerId: linkParams.offerId,\n              component: \"infobox\",\n            };\n\n            if (\n              window.rewards &&\n              typeof window.rewards.displayModal === \"function\"\n            ) {\n              window.rewards.displayModal(pillModalParams, false, cta);\n            }\n          });\n        }\n\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = triggerEl.closest(\"tr\");\n\n          if (!row) return;\n\n          const cta = row.querySelector(\".rewards--cta\");\n\n          if (!cta) return;\n\n          const linkParams = getLinkParams(cta);\n          if (!linkParams) return;\n\n          const { productId, redirectUrl, productName, niche, offerId } = linkParams;\n\n          const modalParams = {\n            productId,\n            campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n            redirectUrl,\n            productName,\n            providerName: row.getAttribute(\"data-provider-name\") || \"\",\n            niche,\n            offerId,\n            component: \"infobox\",\n          };\n\n          if (\n            window.rewards &&\n            typeof window.rewards.displayModal === \"function\"\n          ) {\n            window.rewards.displayModal(modalParams, false, cta);\n          }\n        };\n\n        if (dealsLeftEl && !dealsLeftEl.dataset.bound) {\n          dealsLeftEl.dataset.bound = \"true\";\n          dealsLeftEl.addEventListener(\"click\", () => handleClick(dealsLeftEl));\n        }\n\n        if (dealsList && !dealsList.dataset.bound) {\n          dealsList.dataset.bound = \"true\";\n          dealsList.addEventListener(\"click\", () => handleClick(dealsList));\n        }\n\n        if (dealsHeader && !dealsHeader.dataset.bound) {\n          dealsHeader.dataset.bound = \"true\";\n          dealsHeader.addEventListener(\"click\", () => handleClick(dealsHeader));\n        }\n\n        rewardsProduct.dataset.rewardsBannerAttached = \"true\";\n      });\n    };\n\n    const tables = document.querySelectorAll(\n      \"table.rewards--container[data-table-record-ids]\"\n    );\n\n    tables.forEach((table) => {\n      const tableObserver = new MutationObserver(() => {\n        setTimeout(() => initRewards(table), 0);\n      });\n\n      tableObserver.observe(table, {\n        childList: true,\n        subtree: true,\n      });\n\n      initRewards(table);\n    });\n\n    \/\/ Pill countdown timers (minimal UX)\n    function initPillCountdowns() {\n      const countdowns = document.querySelectorAll(\"[data-rewards-pill-countdown]:not([data-pill-countdown-bound])\");\n\n      countdowns.forEach((el) => {\n        el.dataset.pillCountdownBound = \"true\";\n        const endDateStr = el.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        const endTime = new Date(endDateStr).getTime();\n        if (Number.isNaN(endTime)) return;\n        const now = new Date().getTime();\n        const distance = endTime - now;\n        const sevenDaysMs = 7 * 24 * 60 * 60 * 1000;\n\n        if (distance <= 0) {\n          const wrapper = el.closest(\".rewards-pill-wrapper\");\n          if (wrapper) wrapper.style.display = \"none\";\n          return;\n        }\n\n        if (distance > sevenDaysMs) {\n          return;\n        }\n\n        el.removeAttribute(\"hidden\");\n\n        const daysEl = el.querySelector(\"[data-pill-countdown-days]\");\n        const hoursEl = el.querySelector(\"[data-pill-countdown-hours]\");\n        const minutesEl = el.querySelector(\"[data-pill-countdown-minutes]\");\n        const secondsEl = el.querySelector(\"[data-pill-countdown-seconds]\");\n\n        let interval;\n        const updatePillCountdown = () => {\n          if (!el.isConnected) {\n            if (interval) clearInterval(interval);\n            return;\n          }\n\n          const remaining = endTime - new Date().getTime();\n\n          if (remaining <= 0) {\n            if (daysEl) daysEl.textContent = \"0d\";\n            if (hoursEl) hoursEl.textContent = \"0h\";\n            if (minutesEl) minutesEl.textContent = \"0m\";\n            if (secondsEl) secondsEl.textContent = \"0s\";\n            if (interval) clearInterval(interval);\n            \/\/ Hide pill wrapper on expiry\n            const wrapper = el.closest(\".rewards-pill-wrapper\");\n            if (wrapper) wrapper.style.display = \"none\";\n            return;\n          }\n\n          const days = Math.floor(remaining \/ (1000 * 60 * 60 * 24));\n          const hours = Math.floor((remaining % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n          const minutes = Math.floor((remaining % (1000 * 60 * 60)) \/ (1000 * 60));\n          const seconds = Math.floor((remaining % (1000 * 60)) \/ 1000);\n\n          if (daysEl) daysEl.textContent = days + \"d\";\n          if (hoursEl) hoursEl.textContent = hours + \"h\";\n          if (minutesEl) minutesEl.textContent = minutes + \"m\";\n          if (secondsEl) secondsEl.textContent = seconds + \"s\";\n        };\n\n        updatePillCountdown();\n        interval = setInterval(updatePillCountdown, 1000);\n      });\n    }\n\n    initPillCountdowns();\n\n    const allTables = document.querySelectorAll(\"table\");\n    allTables.forEach((table) => {\n      const observer = new MutationObserver(() => {\n        setTimeout(initPillCountdowns, 0);\n      });\n      observer.observe(table, { childList: true, subtree: true });\n    });\n  });\n})();\n<\/script><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count-92dee647-be59-4a6a-9f80-541914b9a879 comparison-table__dataCount\">Showing\n\t\t\t2\n\t\t\tof\n\t\t\t2\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKCCF\" data-rewards-component=\"compare-products\"><\/div><div class=\"product-modal\"><section class=\"luna-modal is-invisible\" aria-hidden=\"false\" role=\"dialog\" id=\"alternative-products-modal\" aria-labelledby=\"alternative-products-modal-heading\" aria-describedby=\"modal-content\" tabindex=\"-1\"><div class=\"luna-modal__content\"><button class=\"luna-modal__close\" type=\"button\" aria-label=\"Close modal\"><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#x\"><\/use><\/svg><\/button><div class=\"luna-modal__body\" id=\"modal-content\"><div class=\"luna-modal__wrapper\"><h4 class=\"modal-heading\" id=\"alternative-products-modal-heading\">Compare other products<\/h4><div class=\"cta-modal__body\"><p class=\"cta-modal__intro-text\">We currently don't have that product, but here are others to consider:<\/p><div class=\"cta-modal__cards-container\"><\/div><span class=\"cta-modal__popover table-popover\" rel=\"popover\" data-placement=\"top\" data-content=\"This list shows products with some similar features to the one you selected. It is not a recommendation or suggestion to purchase any product. Always check details and get independent advice to make sure any product suits your own needs before applying.\">How we picked these<\/span><\/div><\/div><\/div><\/div><\/section><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for credit cards<\/h3>\n\n<p>To make comparing even easier we came up with the <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">Finder Score<\/a>. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card \u2013 simple.<\/p>\n\n<a class=\"luna-button luna-button--primary has-margin-bottom\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/methodology-for-rating-credit-cards\">Read the full methodology<\/a><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3 id=\"repayment_options\">Repayment options<\/h3>\n\n\n<p>You can make manual repayments through Bank of Scotland's app by logging in to your online banking or over the phone (0345 964 5645). Alternatively, you may wish to set up a direct debit.<\/p>\n\n<p>A direct debit protects you from forgetting to make a repayment and either damaging your <a data-trigger-introductory-modal=\"true\">credit score<\/a>,  getting hit with a penalty fee (12) or losing any promotional rates as a result. You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires \u2013 simply divide your outstanding balance by 17 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).<\/p>\n\n\n<p>You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.<\/p>\n\n<h4>Choose from the following direct debit options for your monthly repayments:<\/h4>\n\n\n\n\n<table class=\"luna-table\">\n<tbody class=\"luna-table__body\">\n<tr><th scope=\"row\">Minimum amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Greater of: 2.5% of the underlying balance plus the month's interest and any applicable fees and charges; \u00a35; or the outstanding balance.\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-1\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-1\">Greater of: 2.5% of the underlying balance plus the month's interest and any applicable fees and charges; \u00a35; or the outstanding balance.<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Fixed amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"A set amount each month \u2013 e.g. \u00a350\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-2\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-2\">A set amount each month \u2013 e.g. \u00a350<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Fixed percentage <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Pay a fixed percentage of the balance\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-3\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-3\">Pay a fixed percentage of the balance<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<tr><th scope=\"row\">Full amount <button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Pay off the full outstanding balance every month\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-4\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-4\">Pay off the full outstanding balance every month<\/span>\n<\/button><\/th><td><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr>\n<\/tbody>\n<\/table>\n\n<h3 id=\"how_to_apply\">How to apply for this card<\/h3>\n\n\n\n\n<p>If you've compared cards and settled on the Bank of Scotland 0% Purchase and Balance Transfer Credit Card, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.<\/p>\n<h3 id=\"faq\">Frequently asked questions<\/h3>\n\n\n\n\n<div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n\n\n\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<h4 itemprop=\"name\" class=\"has-padding-top-xsmall\">Can I withdraw cash using the Bank of Scotland 0% Purchase and Balance Transfer Credit Card?<\/h4>\n<div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>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.<\/p>\n\n<p>\nThe cash advance fee on the Bank of Scotland 0% Purchase and Balance Transfer Credit Card is 5%. For example, if you withdraw \u00a3150, you'll incur a rather painful fee of \u00a37.50.\n<\/p>\n\n<p>The interest rate on this part of your balance will be 24.94% (chargeable from the day of the transaction \u2013 the card's usual \"up to 56 days interest-free\" grace period won't apply).<\/p><\/div>\n<\/div>\n<\/div>\n\n<div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<h4 itemprop=\"name\" class=\"has-padding-top-xsmall\">How much does it cost to use the Bank of Scotland 0% Purchase and Balance Transfer Credit Card abroad?<\/h4>\n<div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>\nNon-sterling transactions are subject to a 2.95% charge (which is very standard). For example, if you spend 200 euros (\u00a3173.18), it'll cost you around \u00a35.11 in fees.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n<script type=\"application\/ld+json\">\n{\n\"@context\": \"https:\/\/schema.org\",\n\"@type\": \"CreditCard\",\n\"image\":\"s3:\/\/findercdn.com.au\/niche-builder\/5b9bb132097b1.jpg\",\n\"name\":\"Bank of Scotland 0% Purchase and Balance Transfer Credit Card\",\n\"provider\":{\"@type\":\"Organization\",\"name\":\"Bank of Scotland\"},\n\"requiredCollateral\": \"None\",\n\"annualPercentageRate\": \"24.9%\",\n\"amount\": {\n\"@type\": \"MonetaryAmount\",\n\"minValue\": \"Not specified\",\n\"maxValue\": \"Not specified\",\n\"currency\": \"GBP\"\n}\n}\n<\/script>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Enjoy lengthy matched 0% introductory periods on both purchases and balance transfers with this versatile card.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3611],"tags":[],"asset_tag":[],"class_list":["post-156570","post","type-post","status-publish","format-standard","hentry","category-bank-of-scotland"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank of Scotland Platinum 20 Month Balance Transfer card review 2026<\/title>\n<meta name=\"description\" content=\"Enjoy 0% introductory periods on both purchases and balance transfers with this versatile card. 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