Low rate balance transfers

Balance Plus credit card
Apply now for the Capital One Balance Plus credit card

The clear and simple way to save money. Pay down higher rate balances with a low 6.94% p.a. variable on balance transfers.

  • For people with an excellent credit rating
  • £2,000 to £12,000 credit limit
  • 6.94% p.a. variable on balance transfers
  • If accepted, the rates you apply for are the rates you get
  • Transfer balances at any time for the same low rate and no fee
Apply now for the Balance Plus card

Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 19.94% p.a. variable, you will receive a 19.9% APR representative variable.

Is this credit card right for you?

With our Balance Plus credit card, there's no need to worry about paying the balance transfer or annual fees. Our realistically low rate of 6.94% means it's the card you can stick with and that sticks with you in return.

Always try and pay more than your minimum payment as paying only the minimum takes longer to pay off your balance and will cost your more money in the long run.

What is a monthly minimum payment?

There's a minimum amount you need to pay each month and we tell you what this is on your statement. You can repay more than this, up to the full balance - just make sure you pay at least the minimum. Paying only the minimum takes longer to pay off your balance and will cost you more money in the long run.

We're more likely to accept you if you:

  • You've had credit cards in the past
  • You're a home owner
  • You have an income of more than £20,000 p.a.

We're not likely to accept you if:

  • You have missed payments in the past
  • You've never had credit in the UK before
  • You've had CCJs or defaults

Please note meeting these criteria does not guarantee acceptance.

For more product information read the:

Credit is available subject to status and conditions. All rates are variable after their applicable introductory period. If no introductory period applies the rates are variable from the date of the agreement. If you have applied for a Capital One card in the last six months your application may be declined. If you are not a UK resident please do not apply.