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New NatWest and RBS 16-month 0% credit card

Cards open to all, not just existing customers

Store cards for high-street credit

Many high-street retailers offer store credit cards

NatWest and Royal Bank of Scotland (RBS) have made their 16-month 0% balance transfer deals available to everyone, rather than just existing current account customers. The cards become Which? Best Rate cards for interest-free balance transfers.

Apply online to get the 0% credit card deal

The 16-month 0% deal is available to non-customers if they apply online. Balance transfers attract a transfer fee of 2.9% and purchases are charged at an APR of 16.9% once the 3-month 0% period on new spending expires.

Which? credit card expert Martyn Saville commented: ‘Making this credit card deal available to non-customers is a very welcome move by NatWest and RBS. As one of the longest 0% balance transfer deals on the market, these cards offer an excellent extra option to consumers hoping to switch existing borrowing to an interest-free deal.

‘As an alternative, if you’re an existing NatWest or RBS customer looking for a card to use for both balance transfers and spending, it’s worth considering the Classic card, which offers 13 months interest-free on both purchases and balance transfers, subject to a 2.9% transfer fee.’

Save money by switching credit cards

To find out how much money you could save by switching to a new credit card, try out the free Which? credit card switching calculator. You can then find the best deals by reading Which? 0% balance transfer credit card reviews.

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