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givemecredit

Balance Transfer Cards

A balance transfer offer is an easy way to save money and help you clear your credit card debt faster. You can move a balance from another credit card to one with a balance transfer deal, and pay little or no interest for several months. Balance transfer offers last around 6 to 12 months, so make sure you clear as much of the remaining balance as possible during this time.

As you won’t be paying any interest during the balance transfer period, everything you pay back will be towards reducing your balance. You should also set up a Direct Debit to pay at least the minimum payment each month, and then make additional payments whenever you have the cash.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

Calculate your credit rating
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Bank of Ireland Classic credit card - 22.1% APR Representative Variable

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Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 7m (no fee)
  • Exclusive offers and experiences

This is Bank of Ireland’s highest rate card, and comes with a less attractive balance transfer offer than their Platinum Advantage card. You do get travel insurance included however and it comes with a decent introductory offer of 6 months at 0%. As an ‘all rounder’ for those with an average credit rating, this is certainly not the worst option available. Bank of Ireland is one of the biggest credit card providers in the state and have different cards pitched at people with a range of credit ratings and income levels. They also rate fairly well in terms of customer service and have the largest branch network of any bank.

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Bank of Ireland Classic credit card REPRESENTATIVE EXAMPLE

22.1% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year).

Bank of Ireland Platinum Advantage credit card - 17.3% APR Representative Variable

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Find out more & apply online now
  • Annual Fee of €76
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 7m (no fee)
  • Free comprehensive multi-trip travel insurance

The premium card offering from the Bank of Ireland comes with an annual fee of €76.18 and you will need to have a good credit history and high income to qualify. You will usually get a sizable credit limit, although the amount will depend on your earnings and other credit that you hold. The interest rate on this card is fairly good and it comes with a good purchases and balance transfer deal. Bank of Ireland is the biggest account and credit card provider in the State.

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Bank of Ireland Platinum Advantage credit card REPRESENTATIVE EXAMPLE

17.3% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year).

Bank of Ireland Affinity credit card - 20.2% APR Representative Variable

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Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • Balance Transfers at 2.9% for 1yr (no fee)

The ‘standard’ Affinity card option from Bank of Ireland comes with no annual fee, but a slightly higher interest rate than the gold card option. You should be able to obtain this card more easily, although you will still need a reasonable credit history. The Affinity card donates money to a University or college of your choosing (from a selection of 9 institutions). This donation does not cost you anything and is based on a percentage of how much you spend on the card. If you are after a card with no annual fee and no minimum income requirements, but have a good credit history, this is certainly one to take a look at.

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Bank of Ireland Affinity credit card REPRESENTATIVE EXAMPLE

20.2% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year).

Ulster Bank Classic MasterCard - 22.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 3.9% for 1yr (no fee)

The Ulster Classic card has one of the highest interest rates of all mainstream credit cards in Ireland. The main reason for this is that Ulster are willing to take on higher risk applicants with this particular card, meaning that you could be accepted with little or poor credit history. You don’t get a bad deal either, with an interest free period of 3 months on all purchases and a low rate balance transfer offer which is better than most mainstream cards. This card is suitable for those who need to build their credit rating, or who may have had some issues repaying debts on time in the past.

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Ulster Bank Classic MasterCard REPRESENTATIVE EXAMPLE

22.7% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year).

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