first direct
Balance Transfer Credit Card
- Rep. APR24.9%
- 0% purchases—
- 0% transfers20 months2.99% fee
- Annual fee£0
- Foreign fee—
first direct credit cards
We track 2 first direct credit cards, covering balance transfer, 0% purchase cards. Figures are taken from firstdirect.com.
first direct
Gold Card
- Rep. APR24.9%
- 0% purchases12 months
- 0% transfers—
- Annual fee£0
- Foreign fee—
Guides for first direct cards
Balance transfersWhat Happens When Your 0% Credit Card Deal Ends?
What happens when a 0% balance transfer or purchase deal ends on a UK credit card, what rate applies next, and your options to avoid high interest.
Updated 30 October 2026Balance transfersMoney Transfer Credit Cards: How They Work and When to Use OneHow UK money transfer credit cards work, what they cost, how they compare with balance transfers and loans, and the risks to watch for.
Updated 30 October 2026Balance transfersHow Do Balance Transfers Work? A Plain-English UK GuideHow UK balance transfer credit cards work: fees, 0% periods, what you can't transfer, and how to clear your debt before the deal ends.
Updated 30 October 2026