NatWest
0% on purchases up to 20 months, 0% on balance transfers up to 18 months, 24.9% variable APR, no annual fee, and UK-wide acceptance. Credit limits subject to NatWest review.
The NatWest Purchase & Balance Transfer Card stands out by offering a long interest-free period on your purchases and balance transfers. With 0% on purchases for up to 20 months and balance transfers for up to 18 months (if you transfer within the first three months), it’s a compelling choice for those seeking flexibility. The representative APR is 24.9% (variable), the assumed credit limit is £1,200, and there’s no annual fee, making it accessible to many UK residents earning £10,000+ per year.
How to Apply: Step by Step
- Review the card details and ensure it fits your needs
- Check your eligibility via the NatWest online checker
- Complete the online application with your personal and financial details
- Review your personalised credit limit and APR
- Submit your application and await approval
Key Pros of the Offer
This card gives peace of mind with a lengthy 0% offer, ideal for managing big purchases or existing card balances. The absence of an annual fee makes it more cost-effective for the long term. NatWest’s secure technology and app-based management mean you can monitor spending easily on the go.
Eligibility checks won’t impact your credit score until you proceed, so there’s flexibility to explore your options first.
Potential Cons to Consider
The 2.99% balance transfer fee does add upfront cost if you plan to move debt from another card. After the promotional period, the variable APR of 24.9% will apply on any outstanding balance, so it’s important to clear debts before this kicks in.
It’s also necessary to meet NatWest’s income and residency requirements, which may be restrictive for some.
Our Verdict
For those wanting to manage purchases and existing balances over time, the NatWest Purchase & Balance Transfer Card is hard to beat within the mid-tier market. Its combination of long 0% interest periods, no annual fee, and flexible credit limits makes it an excellent solution for everyday spending and financial planning.