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0% Balance Transfer Credit Cards

Compare 0% Credit Cards

Balance Transfer credit cards typically offer 0% on any balance transfers, whilst charging a handling fee. The free 0% balance transfer period varies from card to card. Find a balance transfer credit card deal that suits your needs from leading UK banks and financial providers and apply online.

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Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
0.0% 36
Months
1.99% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (36 Mths)

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Barclaycard
0.0% 36
Months
2.39% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 36 months from account opening (2.39% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.39% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (36 Mths)

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Halifax
0.0% 36
Months
2.45% 0.0% 6
Months
18.9% APR
Representative variable

Balance Transfer offer - exclusively available online only. 0% for up to 36 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 36 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 36 months and a rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months or 18 months and a rate of 25.9% APR (variable). 2.9% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.1% within 90 days, so the effective fee is 2.9%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 6 months from account opening on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (36 Mths)

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Virgin Money
0.0% 36
Months
2.5% 0.0% 6
Months
18.9% APR
Representative variable
0% interest for 36 months on balance transfers made in the first 60 days, with a fee of 2.50%. Move a balance from another credit or store card and get 3 years 0% to pay it off. 0% for 36 months on money transfers, with a fee of 4%. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. 0% for 6 months on card purchases. From the date your account is opened. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Balance Transfer Credit Card (36 Mths)

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Lloyds Bank
0.0% 36
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 36 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 6 months after opening your account, get 0% interest on purchases made. Worldwide use. Accepted in over 36 million MasterCard locations worldwide.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (36 Mths)

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Bank of Scotland
0.0% 36
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable

0% for up to 36 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 36 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 36 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months and a representative rate of 25.9% APR (variable). 3% fee applies on each balance transfer. 0% for the first 6 months on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (36 Mths)

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0.0% 36
Months
2.48% N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Platinum Credit Card (36 Mths)

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Tesco Bank
0.0% 35
Months
2.7% 0.0% 3
Months
18.9% APR
Representative variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Balance Transfer)

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Virgin Money
0.0% 34
Months
2.25% 0.0% 6
Months
18.9% APR
Representative variable
0% interest for 34 months on balance transfer made in the first 60 days, with a fee of 2.25%. Move a balance from another credit or store card and get 34 months at 0% to pay it off. 0% for 34 months on money transfers, with a fee of 4%. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. 0% for 6 months on card purchases. From the date your account is opened. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Balance Transfer Credit Card (34 Mths)

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Sainsburys Bank
0.0% 34
Months
2.89% 0.0% 6
Months
18.9% APR
Representative variable
Pay 0% interest on balance transfers for your first 34 months. A reduced 2.89% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3). Pay 0% Interest on purchases for the first 6 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your card elsewhere. No cash advance fee on Sainsbury's Travel Money purchases. Accepted worldwide at almost 36 million locations, wherever you see the MasterCard logo. No annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Balance Transfer Credit Card

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Barclaycard
0.0% 32
Months
1.54% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 32 months from account opening (1.54% handling fee applies). A fee of 3.5% will be applied, then reduced to 1.54% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (32 Mths)

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0.0% 32
Months
1.54% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (32 Mths)

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Bank of Scotland
0.0% 32
Months
1.54% 0.0% 6
Months
18.9% APR
Representative variable
A great credit card for balance transfers, plus a low balance transfer fee – available exclusively online. 0% for up to 32 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% for 32 or 26 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 1.69 % effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 1.31% within 90 days, so the effective fee is 1.69%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 6 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (32 Mths)

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Virgin Money
0.0% 32
Months
1.75% 0.0% 6
Months
18.9% APR
Representative variable
0% for 32 months on balance transfers, with a fee of 1.75%. Move a balance from another credit or store card and get 32 months at 0% to pay it off. 0% for 32 months on money transfers, with a fee of 4%. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. 0% for 6 months on card purchases. From the date your account is opened. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Balance Transfer Credit Card (32 Mths)

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0.0% 32
Months
1.55% N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Platinum Credit Card (32 Mths)

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Lloyds Bank
0.0% 28
Months
1.5% 0.0% 12
Months
18.9% APR
Representative variable
0% interest for 28 months from account opening on balance transfers within the first 90 days. Balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. 0% interest on purchases for the first 12 months after your account is opened. Worldwide use - Accepted in over 36 million MasterCard locations worldwide.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (28 Mths)

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Bank of Scotland
0.0% 28
Months
1.5% 0.0% 12
Months
18.9% APR
Representative variable
An unmissable offer: our best deal combining an introductory offer on balance transfers and purchases, plus a low balance transfer fee. 0% for 28 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of 21.9% APR (variable) or 25.9% APR (variable). 1.5% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 12 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (28 Mths)

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Halifax
0.0% 28
Months
1.5% 0.0% 12
Months
18.9% APR
Representative variable

An unmissable offer: our best deal combining an introductory offer on balance transfers and purchases, plus a low balance transfer fee. 0% for 28 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable) or 25.9% APR (variable). 1.5% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 12 months from account opening on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (28 Mths)

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TSB
0.0% 28
Months
3.0% 0.0% 3
Months
18.9% APR
Representative variable
0% interest for up to 28 months on balances transferred within the first 90 days (3% fee). 0% on purchases for the first 3 months. Representative 18.9% APR (variable). 
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (28 Mths)

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Avios
0.0% 28
Months
3.0% 0.0% 12
Months
23.7% APR
Representative variable
A brand new Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher when your spend reaches £7,000 in a year. 0% on balance transfers for 28 months and purchases for 12 months (balances transferred within the first 90 days, 3% fee applies). Collect 1.25 Avios per £1 spent on the Lloyds Bank Avios Rewards American Express® Card. Collect 1.25 Avios per £5 spent on the Lloyds Bank Avios Rewards MasterCard®. Collect double Avios on eligible spend for the first 6 months on the Avios Rewards American Express® Card. Double Avios for 6 months with your American Express® Card. Annual account fee of £24.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

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Lloyds Bank
0.0% 28
Months
3.0% 0.0% 12
Months
23.7% APR
Representative variable
With two cards and one account, shopping has never been so rewarding. Benefits: Choice rewards – Collect Choice points every time you shop, and redeem them for shopping vouchers at Amazon, Boots, Debenhams and other retailers, for cashback, travel rewards through Avios, and more. Double Choice points – Apply now and collect double points for the first 6 months when using your Lloyds Bank Choice Rewards American Express® card, up to a maximum spend of £2,500 per month. Rewards Terms and Conditions apply. 0% interest on purchases – For 12 months after opening your account, get 0% interest on purchases made when you stay within your credit limit and make your monthly payments on time. 0% interest on balance transfers – For 28 months after opening your account, get 0% interest on balance transfers made in the first 90 days (a minimum transfer of £100 and a 3% balance transfer fee applies).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

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Avios
0.0% 28
Months
3.0% 0.0% 12
Months
52.1% APR
Representative variable
A new exclusive Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Premier Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher with annual spend of £5,000. Worldwide Companion Ticket with annual spend of £12,000. 0% on balance transfers for 28 months and purchases for 12 months (balances transferred within the first 90 days, 3% fee applies). Double Avios for 6 months with your American Express® Card. Collect 1.5 Avios per £1 spent on the Lloyds Bank Premier Avios Rewards American Express® Card. Collect 1.5 Avios per £5 spent on the Lloyds Bank Premier Avios Rewards MasterCard®. Annual account fee of £140.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £140 annual fee, you will pay 52.1% APR Representative (variable).

Avios | Lloyds Bank Premier Avios Rewards (MCard)

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Nationwide Building Society
0.0% 26
Months
2.4% 0.0% 3
Months
17.9% APR
Representative variable
Nationwide Credit Card - 0% on balance transfers for 26 months (2.4% balance transfer fee applies, minimum £5.00), plus 0% on purchases for 3 months. Choice of introductory offers - Choose which Nationwide Credit Card will best suit your needs. Earn commission-free purchases abroad. A great range of savings on big brands with our Simply Rewards Scheme. Simply use your Nationwide debit or credit card to take advantage of the offers. Fraud guarantee gives you 24/7 account monitoring and the latest card protection technology. Manage your account online. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Balance Transfer)

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Virgin Money
0.0% 26
Months
1.25% 0.0% 6
Months
18.9% APR
Representative variable
0% for 26 months on balance transfers. Move a balance from another credit or store card and get 26 months at 0% to pay it off. 0% for 26 months on money transfers. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. A low balance transfer fee. 1.25% fee applies to balance transfers made in the first 60 days. The promotional rate starts from the date your account is opened and applies to transfers made in the first 60 days (1.25% fee for balance transfers and 4% fee for money transfers).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Low Fee Balance Transfer Credit Card

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Barclaycard
0.0% 25
Months
2.49% 0.0% 14
Months
18.9% APR
Representative variable
0% interest for 14 months on purchases and 0% for 25 months on balance transfers. A fee of 3.5% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum Purchase

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Virgin Money
0.0% 24
Months
1.0% 0.0% 24
Months
18.9% APR
Representative variable
0% for 24 months on purchases. From the date your account is opened. 0% for 24 months on balance transfers, with just a 1% fee. Move a balance from another credit or store card and get 24 months 0% to pay it off. 0% for 24 months on money transfers, with just a 1.9% fee. Everyone's bank balance needs a boost from time to time. And unlike some others, the Virgin All Round Credit Card lets you do just that. The promotional period starts from the date your account is opened and applies to transfers made in the first 60 days.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin All-Round Credit Card

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0.0% 24
Months
1.0% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (24 Mths)

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Barclaycard
0.0% 24
Months
1.15% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 24 months from account opening (1.15% fee applies). A fee of 2% will be applied, then reduced to 1.15% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (24 Mths) Semi-Excl

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0.0% 24
Months
2.99% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Norwich & Peterborough B.Soc. | Credit Card

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0.0% 24
Months
3.45% N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Platinum Credit Card (24 Mths)

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Santander
0.0% 23
Months
0.0% 0.0% 23
Months
16.5% APR
Representative variable

Earn cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all major petrol stations and on National Rail and Transport for London travel (on combined spend of up to £300 a month). Terms & Conditions apply. 0% for 23 months on balance transfers & purchases from account opening. 16.5% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open any of Santander's 1I2I3 Current Accounts, Santander will refund the first year's annual fee on your 1I2I3 Credit Card. Contactless payments on items below £20. Subject to status. Apple pay - Pay with your iPhone, iPad or Apple Watch. Spendlytics - our new app, lets you analyse and track your credit card spend (IOS only).

Representative Example: If you borrow £1200 at a purchase rate of 12.7% p.a.(variable), with an £24 annual fee, you will pay 16.5% APR Representative (variable).

Santander | 123 Credit Card

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0.0% 20
Months
1.5% 0.0% 20
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Everyday Credit Card

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TSB
0.0% 20
Months
2.95% 0.0% 20
Months
18.9% APR
Representative variable
0% on purchases for the first 20 months. 0% interest for the first 20 months on balances transferred within the first 90 days (2.95% fee, this will increase to 3% after 90 days from account opening).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

TSB | Platinum Purchase Card

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AA
0.0% 20
Months
2.98% 0.0% 20
Months
19.9% APR
Representative variable
The AA Dual Card offers 0% for 20 months on both balance transfers and purchases. Contactless Payments. Instant Decision. No Annual Fee. Additional card security when you shop online with MasterCard® SecureCode™. 40% discount on AA European Breakdown Cover.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

AA | Dual Credit Card

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Lloyds Bank
0.0% 19
Months
1.0% 0.0% 19
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 19 months 0% interest on balance transfers made within 90 days of opening your account. 1% balance transfer fee. You’ll also pay only a 1% fee on balances transferred during these 90 days, instead of the standard 3% fee. 0% interest on purchases. For up to 19 months after opening your account, get 0% on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (19 Mths)

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Bank of Scotland
0.0% 19
Months
1.0% 0.0% 19
Months
18.9% APR
Representative variable
0% for up to 19 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 19 months and a  representative rate of 18.9% APR (variable). Others will get 0% for 19 or 16 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 1% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for up to 19 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 19 months and a representative rate of 18.9% APR (variable). Others will get 0% for 19 or 16 months and a rate of 21.9% APR (variable), or 25.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (19 Mths)

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Halifax
0.0% 19
Months
1.0% 0.0% 19
Months
18.9% APR
Representative variable
0% for up to the first 19 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer.  At least 51% of customers will get 0% on balance transfers for the first 19 months and a representative rate of 18.9% APR (variable). Others will get 0% for 19 or 16 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 1% fee applies on each balance transfer made in the first 90 days. 3% fee applies for each balance transfer made after the first 90 days. 0% for up to 19 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 19 months and a representative rate of 18.9% APR (variable). Others will get 0% for 19 or 16 months and a rate of 21.9% APR (variable), or 25.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | All in One Credit Card

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Sainsburys Bank
0.0% 19
Months
3.0% 0.0% 19
Months
18.9% APR
Representative variable
Pay 0% interest on purchases for your first 19 months. Collect 2 points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your card elsewhere. Pay 0% interest on balance transfers for your first 19 months (3% balance transfer fee applies. Minimum £3). No cash advance fee on Sainsbury's Travel Money purchases. Accepted worldwide at almost 36 million locations, wherever you see the MasterCard logo. No annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Purchase Credit Card

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Tesco Bank
0.0% 19
Months
0.0% 0.0% 1
Months
18.9% APR
Representative variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card with No BT Fee

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Post Office Money
0.0% 18
Months
0.0% 0.0% 3
Months
17.8% APR
Representative variable
Post Office® Platinum Credit Card. The credit card for everyday use home and abroad. 17.8% APR Representative (variable). The Post Office Platinum Credit Card offers you a range of benefits whether you use it at home or abroad. 17.8% APR Representative (variable). Post Office Platinum Credit Card is provided by Bank of Ireland UK.
Representative Example: If you borrow £1200 at a purchase rate of 17.8% p.a.(variable), you will pay 17.8% APR Representative (variable).

Post Office Money | Platinum Card

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Halifax
0.0% 18
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 18 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 18 months and a representative rate of 18.9% APR (variable). Others will get 0% interest on balance transfers for the first 9 months and a rate of 21.9% APR (variable) or 25.9% APR (variable). 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 6 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (18 Mths)

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Virgin Money
0.0% 18
Months
0.75% 0.0% 6
Months
18.9% APR
Representative variable
0% for 18 months on balance transfers. Move a balance from another credit or store card and get 18 months at 0% to pay it off. 0% for 18 months on money transfers. Pay money into your current account from your credit card to pay off other debt you may have elsewhere. A low balance transfer fee. 0.75% fee applies to balance transfers made in the first 60 days. The promotional rate starts from the date your account is opened and applies to transfers made in the first 60 days (0.75% fee for balance transfers and 4% fee for money transfers).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Balance Transfer Credit Card (18 Mths)

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0.0% 18
Months
2.0% 0.0% 6
Months
21.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 21.9% p.a.(variable), you will pay 21.9% APR Representative (variable).

Barclaycard | Freedom Rewards - Branch Excl

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Barclaycard
0.0% 18
Months
2.99% 0.0% 3
Months
24.9% APR
Representative variable
0% interest on balance transfers for 18 months from account opening (2.99% handling fee applies). 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 24.9% p.a.(variable), you will pay 24.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (18 Mths)

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Post Office Money
0.0% 16
Months
2.98% 0.0% 25
Months
18.9% APR
Representative variable
Post Office® Matched Credit Card. For everyday purchases and balance transfers. The Post Office Matched Credit Card offers you a range of benefits ideal for purchasing and easy balance transfers. 18.9% APR Representative (variable). Post Office Matched Credit Card is provided by Bank of Ireland UK.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Post Office Money | Matched Card

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Lloyds Bank
0.0% 16
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 16 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 6 months after opening your account, get 0% interest on purchases made. No balance transfer fee. You'll also pay no fees on balances transferred within 90 days of account opening, instead of the standard 3% fee.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (16 Mths)

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Bank of Scotland
0.0% 16
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 16 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 16 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 9 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 0% fee on balance transfers within the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 6 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (16 Mths)

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0.0% 15
Months
0.55% 0.0% 15
Months
15.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 15.9% p.a.(variable), you will pay 15.9% APR Representative (variable).

Nationwide Building Society | Select Credit Card (15/15) Ex/C

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Nationwide Building Society
0.0% 15
Months
0.65% 0.0% 3
Months
17.9% APR
Representative variable
0.65% balance transfer fee (minimum £5). Balance transfer fee of 0.65% applies for the first 3 months of account opening, after which time it will revert to 2.4%. 0% on balance transfers for 15 months. 0% on purchases for 3 months. Spread the cost of purchases at 0%. Choice of introductory offers - Choose which Nationwide Credit Card will best suit your needs. Earn commission-free purchases abroad. A great range of savings on big brands with our Simply Rewards Scheme. Simply use your Nationwide debit or credit card to take advantage of the offers. Fraud guarantee gives you 24/7 account monitoring and the latest card protection technology. Manage your account online.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Low Fee Balance Transfer)

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0.0% 15
Months
2.9% 0.0% 19
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Marks & Spencer Money | Credit Card Ex/C

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Santander
0.0% 15
Months
0.0% 0.0% 15
Months
18.9% APR
Representative variable
0% for 15 months on balance transfers and purchases from the date of account opening. No balance transfer fee. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch. Spendlytics - our new app, lets you analyse and track your credit card spend (IOS only).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Credit Card

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Hilton HHonors
0.0% 15
Months
2.99% N/A N/A 18.9% APR
Representative variable
Earn a free night e-certificate, for one weekend night at many participating hotels in the Hilton Worldwide portfolio, when you spend £750 in the first 90 days (terms and conditions apply). ​Enjoy HHonors Silver status for as long as you are a card member. Earn an upgrade to HHonors Gold status any time your total spending reaches £10,000 in a calendar year. Earn 3 HHonors Bonus Points for every £1 you spend at hotels and resorts within the Hilton Worldwide portfolio. Earn 2 HHonors Bonus Points for every £1 you spend on everyday purchases. Plus, earn 2,500 HHonors Bonus Points for each of your first 4 stays at a hotel or resort within the Hilton Worldwide portfolio. Stays must be within the first 12 months of opening your account and be paid for using your Hilton HHonors Platinum Visa Card. 0% on balance transfers for 15 months from account opening (2.99% fee applies).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Hilton HHonors | Platinum Credit Card

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0.0% 15
Months
2.99% N/A N/A 18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

IHG Rewards Club | Credit Card

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IHG Rewards Club
0.0% 15
Months
2.99% N/A N/A 42.2% APR
Representative variable
IHG® Rewards Club Premium Visa. 20,000 IHG® Rewards Club bonus points with your first purchase within 90 days of account opening. Earn 4 IHG® Rewards Club points per £1 on all spend at IHG hotels and on spending abroad. Earn 2 IHG® Rewards Club points for every £1 on your everyday spending. Receive a free night voucher valid at over 4,700 IHG hotels worldwide if you spend at least £10,000 per year (terms and conditions). Guaranteed IHG® Rewards Club Platinum Elite status with the life of the card.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), with an £99 annual fee, you will pay 42.2% APR Representative (variable).

IHG Rewards Club | IHG® Rewards Club Premium VISA

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0.0% 13
Months
3.0% 0.0% 21
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Purchase Credit Card

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Sainsburys Bank
0.0% 13
Months
0.0% 0.0% 13
Months
18.9% APR
Representative variable
Pay 0% interest on balance transfers for your first 13 months. No balance transfer fee. Pay 0% interest on purchases for your first 13 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your card elsewhere. No cash advance fee on Sainsbury’s Travel Money purchases. Accepted worldwide at almost 36 million locations, wherever you see the MasterCard logo. No annual fee.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar No BT Fee Credit Card

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0.0% 12
Months
3.0% 0.0% 3
Months
16.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

Miles & More | Credit Card (Visa)

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0.0% 12
Months
0.15% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (12 Mths)

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0.0% 12
Months
2.9% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

ASDA | Credit Card

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TSB
0.0% 12
Months
0.25% 0.0% 3
Months
18.9% APR
Representative variable
0% interest for up to 12 months on balances transferred within the first 90 days (0.25% fee, this will increase to 3% after 90 days from account opening). 0% on purchases for the first 3 months. Representative 18.9% APR (variable). 
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (12 Mths)

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0.0% 12
Months
5.0% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Creation Financial Services | Balance Transfer Card

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0.0% 12
Months
2.99% N/A N/A 24.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 24.94% p.a.(variable), you will pay 24.9% APR Representative (variable).

Debenhams | Credit Card

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0.0% 10
Months
2.95% 0.0% 10
Months
25.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 25.95% p.a.(variable), you will pay 25.9% APR Representative (variable).

TSB | Classic Card - Branch

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0.0% 9
Months
2.98% 0.0% 3
Months
17.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Ireland (NI) | Queen's Affinity Credit Card

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0.0% 9
Months
2.99% N/A N/A 24.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 24.94% p.a.(variable), you will pay 24.9% APR Representative (variable).

House of Fraser | Recognition Credit Card

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0.0% 6
Months
2.98% 0.0% 6
Months
17.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Ireland (NI) | Ulster Rugby Credit Card

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0.0% 6
Months
2.0% N/A N/A 17.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Virgin Money | Virgin Atlantic White Card Account (Amex)

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TSB
0.0% 6
Months
3.0% N/A N/A 17.9% APR
Representative variable
The great thing about having two cards on one account is the flexibility to collect Avios as fast as possible. Together, they combine great collection rates with worldwide acceptance, so it’s worth carrying both when you shop. You'll collect Avios on almost every purchase you make on a TSB Avios American Express® Card and Avios for every £5 of eligible spend on the TSB Avios Mastercard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. 0% for 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider. ‘You'll collect 1 Avios on almost every £1 you spend on the TSB Avios American Express® Card and 1 Avios for every £5 of eligible spend on the TSB Avios MasterCard®
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Avios Credit Card (MCard)

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0.0% 6
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Amnesty International | Standard Credit Card

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TSB
0.0% 6
Months
3.0% N/A N/A 23.7% APR
Representative variable
You’ll collect 25% more Avios with the Premier Avios Credit Cards than with the Avios Credit Cards on eligible spend, and if your eligible spend is over £15,000 on your Cards in a year, you’ll get a Companion Ticket so you can take someone special away. Collect 1.25 Avios for every £1 of eligible spend on the Premier Avios American Express® Card and 1.25 Avios for every £5 of eligible spend on the Premier Avios MasterCard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. Companion Ticket with £15,000 of eligible spend in one year. 0% for the first 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider.
Representative Example: If you borrow £1200 at a purchase rate of 13.95% p.a.(variable), with an £50 annual fee, you will pay 23.7% APR Representative (variable).

TSB | Premier Avios Credit Card (MCard)

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0.0% 6
Months
3.0% 0.0% 3
Months
25.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 25.95% p.a.(variable), you will pay 25.9% APR Representative (variable).

Bank of Scotland | Classic Card - Branch

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0.0% 6
Months
3.0% 0.0% 3
Months
25.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 25.95% p.a.(variable), you will pay 25.9% APR Representative (variable).

Lloyds Bank | Classic Card - Branch

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0.0% 6
Months
2.0% N/A N/A 52.0% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), with an £140 annual fee, you will pay 52.0% APR Representative (variable).

Virgin Money | Virgin Atlantic Black Card Account (Amex)

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Tesco Bank
0.0% 3
Months
2.9% 0.0% 21
Months
18.9% APR
Representative variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 16.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Purchase)

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MoneyExpert Ltd is a Credit Broker and receives commission payments for all credit card referrals made on our website. The rates displayed in this table are updated on a daily basis.

How 0% balance transfer credit cards work

0% balance transfer cards give you the opportunity to move your credit card debt that you currently have onto a new credit card which has 0% interest for an introductory period as long as 12 months. For example if you had built up £800 of debt on one credit card which had an interest rate of 15% and racked up £200 worth of debt on another card with an interest rate of 18%, it would be to your advantage to move the full £1000 worth of debt onto a 0% balance transfer credit card so that you could avoid paying interest on your debt for the 12 month introductory period.

There is a small fee for balance transfer credit cards

Although initially there will be no interest payments on your debt, balance transfer credit cards will often have a small fee that you will have to pay in order to transfer the balance of your other credit cards over. This fee will be in the region of two to three percent of the amount which you transfer over. For example if you were to transfer over £1000 of credit you would likely pay roughly £20 to £30 as a fee for making the transfer. This however should not dissuade you for using a balance transfer credit card, as you will more than likely make this amount back and more by not having to pay interest on your debt for the first 12 months or so.

Be aware of the interest on purchases

Balance transfer credit cards will have 0% on the credit which you owe for up to 12 months, however they may not have 0% on purchases for the same amount of time. For this reason it is advisable that you make sure to be aware of interest on the purchases if you are planning on using your new card for spending. Balance transfer cards are generally not intended to be used for things like shopping, so often the interest on purchases will only be 0% for up to three months. If you feel that you are going to need a credit card which has the benefits of 0% interest on purchase, then you will likely be interested in getting a 0% purchase credit card for your purchases and then using a 0% balance transfer credit card purely for holding your current debt until it is paid off.

Making the monthly payments on your card

It’s important to pay off the debt on your balance transfer card within the 12 month introductory period before the interest increases from 0%. This way you will not have to pay any interest on your debt and will therefore make a significant saving. You should avoid falling into the trap of feeling safe in the knowledge that for the near future you will not be paying any interest, as this is only temporary. A good thing to do is to cut up your old credit card to take away the temptation to use it and rack up more debt; also it is advisable to set up a direct debit from your bank account to pay off the debt on your transfer credit card to make sure that you do not forget to cover your monthly payments.

The disadvantages of a 0% balance transfer credit card

The disadvantages of using a balance transfer credit card are that there will be a transfer fee, and that the 0% interest on the credit you owe will only last for 12 months. This means that if you want to make a significant saving it is preferable that you to pay off your credit within the 12 month period before the interest payments begin. Therefore for those who are not able to cover their debt in that span of time, transfer cards are much less of an advantage for them. You should also watch out for penalty charges which you may have to pay in the event that you miss a payment or go over your credit limit. This can make using a balance transfer card risky if you don’t feel that you can be reliable with your payments and your spending habits.

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