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Life of balance credit cards offer low rates for the life of the balance being transfered from an existing credit card and use a flat rate for the life of the balance.

Cards - Balance Transfer Rates For Life

  Introductory Rate For
Balance Transfers
Standard Rates 
Card PA

PA
Until APR (purchase)
APR (purchase)
PA (cash)
PA (cash)
Int Free Period
Int Free Period
Citi Platinum Life of Balance MasterCard
Bal. Trans Fee: 2.50%,
Min: £5.00
5.8%
from date of transfer.   16.9%
Alternative terms/cards may be offered according to credit status.
28.008%
Alternative terms/cards may be offered according to credit status.
56 Days
Barclaycard Platinum Long Term BT M'Cd/Visa6.5%
from date of card issue.   16.9%
27.9%
56 Days
Citi AAdvantage Gold Visa
Bal. Trans Fee: 3.00%,
Min: £5.00
5.8%
from date of transfer.   17.4%
Alternative terms/cards may be offered according to credit status.
17.403%
Alternative terms/cards may be offered according to credit status.
56 Days
Citi Platinum with iTunes Rewards MasterCard
Bal. Trans Fee: 3.00%,
Min: £5.00
4.9%
from date of transfer.   17.9%
Alternative terms/cards may be offered according to credit status.
28.008%
Alternative terms/cards may be offered according to credit status.
56 Days
Key:
  • § = Alternative terms/cards may be offered according to credit status.  
  • D = Interest charged from date item charged to account if account not cleared in full each month. Interest on cash and debt transfers will be charged on a daily basis, from the date of withdrawal or debt transferred/date withdrawal or debt transfer charged to account, even if account is cleared in full each month.  
  • F = Interest charged from statement date if account not cleared in full each month. Interest on cash will be charged on a daily basis, from the date of withdrawal/date withdrawal charged to account, even if account is cleared in full each month.  
  • L = Interest charged from date item purchased if account not cleared in full each month. Interest on cash and debt transfers will be charged on a daily basis, from the date of withdrawal or debt transferred/date withdrawal or debt transfer charged to account, even if account is cleared in full each month.  
  • r = Cash withdrawals charged at a higher monthly rate than shown.  
  • Notes: Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.
  • Source: www.moneyfacts.co.uk
  • Date Compiled: 12 October 2008

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