2 cards side by side

first direct Balance Transfer Credit Card vs first direct Gold Card

At a glance

Same annual fee on both: £0.
Same purchase APR on both: 24.9%.

first direct Balance Transfer Credit Card compared with first direct Gold Card
4 of 8 rows have data	first direct Balance Transfer Credit Cardfirst direct4 of 8 facts on file · annual fee checked Sep 2026	first direct Gold Cardfirst direct4 of 8 facts on file · annual fee checked Sep 2026
Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.	£0No annual fee	£0No annual fee
Purchase interest (APR)Same on allCharged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.	24.9%	24.9%
Listed underThe sections of this site the card appears in.	Balance Transfer, Low Interest	Low Interest, 0% Intro Purchases
NetworkSame on allWhere the card is accepted.	Visa	Visa
Apply	Apply	Apply

first direct Balance Transfer Credit Cardfirst direct4 of 8 facts on file · annual fee checked Sep 2026
first direct Gold Cardfirst direct4 of 8 facts on file · annual fee checked Sep 2026

Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.

first direct Balance Transfer Credit Card: £0No annual fee
first direct Gold Card: £0No annual fee

Purchase interest (APR)Same on allCharged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.

first direct Balance Transfer Credit Card: 24.9%
first direct Gold Card: 24.9%

Listed underThe sections of this site the card appears in.

first direct Balance Transfer Credit Card: Balance Transfer, Low Interest
first direct Gold Card: Low Interest, 0% Intro Purchases

NetworkSame on allWhere the card is accepted.

first direct Balance Transfer Credit Card: Visa
first direct Gold Card: Visa

Apply

Not confirmed for any of these cards: Foreign transaction fee, Top earn rates, Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

first direct Balance Transfer Credit Card review first direct Gold Card review

Questions

Frequently asked

Can I hold first direct Balance Transfer Credit Card and first direct Gold Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United Kingdom?

Every card in this comparison is issued for United Kingdom. Approval depends on each issuer's credit and income criteria.