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first direct gold card typical 16.9% APR variable

0% p.a. on Purchases for 12 months and 5.9% p.a. on Balance Transfers for 5 years. Both promotional rates are available when you make a Balance Transfer of at least £100 within the first 2 months of account opening. A Balance Transfer fee of 2.5% (min £2.50) will be charged for all transfers.

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first direct Credit Card typical 17.9% APR variable

2.9% p.a. for Balance Transfers and Purchases for 6 months if you make a Balance Transfer of a minimum £500 within 2 months of account opening. A Balance Transfer fee of 2.5% (min £2.50) will be charged if your first Balance Transfer is less than £500 or for second and subsequent transfers to the same card company.

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