NatWest has three cards offering balance transfer deals – the NatWest Balance Transfer credit card, which we are reviewing here, as well as the NatWest Purchase & Balance Transfer credit card and the NatWest Longer Balance Transfer credit card.
Key facts about the NatWest Balance Transfer credit card
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Best for: Those looking for zero balance transfer fee.
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Introductory offer: Interest-free for 13 months on balance transfers and 3 months on purchases.
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Representative APR: 24.9% variable.
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Fees: No balance transfer fee, no annual fee.
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Perks: No specific perks
Pros of the NatWest Balance Transfer credit card
- It has no transfer fee, which is a benefit if you have a large amount to move over.
- The mobile app lets you manage the card easily and includes email and text alerts to help you keep on top of repayments and remind you when the introductory period is coming to an end.
- 3-month interest-free period for purchases.
Cons of the NatWest Balance Transfer credit card
- You need to have a minimum annual income of £10,000.
- You are only likely to be accepted for the card if you have an excellent credit score.
How to manage your payments on the NatWest Balance Transfer credit card
You can manage your account through the mobile app or in NatWest branches.
How to find out which credit card is best for you
Comparing different credit cards is a key part of getting the best deal for you. Money to the Masses has helped to simplify this process by partnering with Creditec*, an online comparison service. You do not need to trawl through countless different provider websites hunting for the best cashback or lowest fees, as Creditec’s personalised search results will show you the key details you need to know in one place. Your tailored list will also feature the cards that you are more likely to be accepted for, cutting down the chance of any applications you make being rejected. Your search results are built using a soft credit search, so there will be no damage to your credit score. You can start your search by clicking this link*.
How to apply for the NatWest Balance Transfer credit card
Check whether you are likely to be accepted for the card by using Creditec's eligibility checker. This will show you if your application has a good chance of being accepted, as well as presenting some other credit card options. Alternatively, you can apply online or at a NatWest branch.
Alternatives to the NatWest Balance Transfer credit card
- Tesco Balance Transfer credit card
- HSBC Balance Transfer credit card
- Capital One Balance Transfer credit card
If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.
