Credit card comparison table
FLD is not a lender or a credit broker and does not arrange credit. This is general information, not advice to borrow. Any representative APR shown is an example, not a personal quote: the rate you are offered depends on your circumstances and may be higher.
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
Quick answer
This table compares ten credit cards from three UK banks, using the figures each bank showed on its own website on 3 October 2026. It covers balance-transfer, all-rounder, rewards and cashback cards.
Look at the whole cost, not just the 0% period: the transfer fee, the rate after the offer ends, and any monthly or annual fee.
Credit cards compared
| Card | Type | Promotional offer or reward | Representative APR | Account fee | Balance transfer fee |
|---|---|---|---|---|---|
| HSBC Balance Transfer Credit Card | Balance transfer | Up to 36 months 0% on balance transfers | 25.9% APR (variable) | No annual fee shown | 3.09% (min £5) |
| HSBC Purchase Plus Credit Card | All-rounder | Up to 24 months 0% on purchases; up to 17 months on balance transfers | 24.9% APR (variable) | No annual fee shown | 3.49% (min £5) |
| HSBC Rewards Credit Card | Rewards | Reward points on eligible purchases | 26.9% APR (variable) | See HSBC’s terms | Not stated in summary |
| NatWest Purchase & Balance Transfer card | All-rounder | Up to 23 months 0% on purchases; up to 21 months on balance transfers | 24.9% APR (variable) | £0 | 3.49% |
| NatWest Longer Balance Transfer card | Balance transfer | Up to 36 months 0% on balance transfers; 3 months on purchases | 24.9% APR (variable) | £0 | 3.10% |
| NatWest Balance Transfer credit card | Balance transfer | Up to 11 months 0% on balance transfers; 3 months on purchases | 24.9% APR (variable) | £0 | 0.00% |
| NatWest Reward credit card | Rewards | 1% back in Rewards on supermarket spending, 0.25% elsewhere | 31.0% APR (variable) | £24 (refunded with a Reward current account) | Not stated in summary |
| Santander Everyday Long Term Balance Transfer | Balance transfer | 34 months 0% on balance transfers; 3 months on purchases | 24.9% APR (variable) | £0 a month | 3.15% (min £5) |
| Santander All in One Credit Card | All-rounder with cashback | 15 months 0% on purchases and balance transfers; 0.5% cashback up to £10 a month | 29.8% APR (variable) | £3 a month | No fee |
| Santander Rewards Credit Card | Cashback | 3% cashback on petrol, everyday travel, eating out and takeaways in the first year; 0.25% on other purchases | 24.9% APR (variable) | £0 a month | Not stated in summary |
Figures as of 3 October 2026, taken from each bank’s own credit card pages. Representative examples are based on the assumed credit limit shown by each bank (£1,200, or £1,000 for the HSBC Classic card). Promotional periods can depend on the bank’s credit assessment, and the rate you’re offered may differ.
Who it’s for
- People comparing credit cards from well-known UK banks
- Anyone weighing a long 0% period against a lower transfer fee
- Readers who want representative APRs and fees side by side
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You’re struggling with existing debt — free help is available from charities such as StepChange, Citizens Advice and National Debtline
- You want a full market comparison — this table covers three banks only
Full explanation
A balance transfer only saves money if you clear most of the debt during the 0% period. Divide the balance plus fee by the number of months to see the monthly payment you’d need, or use our credit card repayment calculator.
Rewards and cashback cards suit people who clear the balance every month. If you carry a balance, interest is likely to outweigh the rewards. See rewards credit cards and cashback credit cards.
Section 75 of the Consumer Credit Act can make the card provider jointly liable with the retailer for single purchases between £100 and £30,000.
Use a soft-search eligibility checker before applying — each bank linked above offers one — and avoid several applications close together.
The catch
The 0% periods shown are the maximums; many banks say the length you get depends on their credit assessment. Representative APRs are based on an assumed credit limit, and your own rate could be higher. Missing a payment can end a promotional rate early.
Check the live terms on each bank’s own site before you apply.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
Which card has the longest 0% balance transfer?
In this table, HSBC’s Balance Transfer Credit Card and NatWest’s Longer Balance Transfer card both show up to 36 months, as of 3 October 2026. The length you’re offered can depend on the bank’s credit assessment.
Is a no-fee balance transfer always cheaper?
Not always. A shorter 0% period with no fee can cost more overall if you can’t clear the balance before the offer ends.
What does representative APR mean?
It’s the rate at least 51% of accepted applicants are expected to get, based on an assumed credit limit. You may be offered a different rate.
Do these cards charge an annual or monthly fee?
Some do. In this table, NatWest’s Reward card shows a £24 annual fee and Santander’s All in One card a £3 monthly fee, as of 3 October 2026.
Are these links referral links?
No. They go straight to each bank’s own site, and we don’t earn from them.
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