Content begins 

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.

Our Expert choice:Barclaycard Platinum With BT

Our Expert Choice Credit Card

0% interest on balance transfers for 33 months from account opening (2.99% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.99% by a refund.

  • 0% interest on purchases for 6 months from account opening.
  • 18.9% APR Representative Variable.

More Info

I would like to...

Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Barclaycard
0.0% 33 Months 2.89% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 33 months from account opening (2.89% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.89% 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 (33 Mths)

Show Details

Bank of Scotland
0.0% 32 Months 2.8% 0.0% 6 Months 18.9%Variable
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 our best offer of 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 29 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). 2.8% effective fee applies on each balance transfer made in the first 90 days. An initial 3.5% fee applies; we'll then refund 0.7% within 90 days, so the effective fee is 2.8%. 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 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 (32 Mths)

Show Details

Barclaycard
0.0% 32 Months 2.64% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 32 months from account opening (2.64% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.64% 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)

Show Details

Halifax
0.0% 32 Months 2.65% 0.0% 6 Months 18.9%Variable

0% for up to 32 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 32 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 32 or 29 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). 2.7% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.3% within 90 days, so the effective fee is 2.7%. 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 (32 Mths)

Show Details

Lloyds Bank
0.0% 32 Months 2.8% 0.0% 6 Months 18.9%Variable
Saving - 0% interest for up to the first 32 months on balances transferred within the first 90 days after your account is opened. 2.8% effective fee applies on each balance transfer made in the first 90 days. An initial 3.5% fee applies; we'll then refund 0.7% within 90 days, so the effective fee is 2.8%. 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. Shopping – 0% interest on purchases for the first 6 months after your account is opened.
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)

Show Details

Tesco Bank
0.0% 32 Months 2.9% 0.0% 3 Months 18.9%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)

Show Details

Sainsburys Bank
0.0% 31 Months 2.89% 0.0% 6 Months 18.9%Variable
Sainsbury's Nectar Balance Transfer Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card. 0% balance transfers for the first 31 months from account opening. (2.89% fee applies for transfers in the first 3 months from opening then 3% afterwards). 0% on purchases for the first 6 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money 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).

Sainsburys Bank | Nectar Balance Transfer Credit Card

Show Details

Halifax
0.0% 30 Months 2.5% 0.0% 6 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 2.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% for up to 30 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 30 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 30 or 27 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 24 months and a representative rate of 25.9% APR (variable). 2.5% 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 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).

Halifax | Balance Transfer Credit Card (30 Mths) - Semi Excl

Show Details

Santander
0.0% 29 Months 3.0% 0.0% 3 Months 18.9%Variable
0% for 29 months on balance transfers. 3% balance transfer fee applies (minimum £5). 0% for 3 months on purchases. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
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 | Long Term Balance Transfer Credit Card

Show Details

AA
0.0% 28 Months 2.9% 0.0% 3 Months 18.9%Variable
0% for up to 28 months from the date your account is opened on balance transfers made in the first 60 days, with a handling fee of just 2.9%, minimum of £3. 0% on all card spending for up to 3 months from the date your account is opened. Money transfers are available at 0% for up to 28 months from the date your account is opened and made within the first 60 days (4% fee, minimum of £3).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

AA | Balance Transfer Credit Card

Show Details

TSB
0.0% 28 Months 3.0% 0.0% 3 Months 18.9%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)

Show Details

Nationwide Building Society
0.0% 26 Months 2.4% 0.0% 3 Months 17.9%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. 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)

Show Details

Barclaycard
0.0% 25 Months 1.5% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 25 months from account opening (1.50% fee applies). A fee of 2% will be applied, then reduced to 1.50% 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 (25 Mths)

Show Details

Bank of Scotland
0.0% 24 Months 1.5% 0.0% 3 Months 17.9%Variable
Exclusively available online: a balance transfer offer, with a 1.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 24 months on balance transfers made in 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 24 months and a representative rate of 17.9% APR (variable). Others will get 0% on balance transfers for the first 21 and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 18 months and a representative rate of 25.9% APR (variable). 0% for the first 3 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (24 Mths) - Semi Ex

Show Details

Lloyds Bank
0.0% 24 Months 1.5% 0.0% 3 Months 17.9%Variable
Saving - 0% interest for up to the first 24 months on balances transferred within the first 90 days. Low standard balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. Shopping – 0% interest on purchases for the first 3 months. Easy spending – accepted worldwide.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (24 Mths) - Excl

Show Details

Halifax
0.0% 24 Months 1.5% 0.0% 3 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 1.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 24 months on balance transfers made in 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 24 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 21 or 18 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 15 months and a representative rate of 25.9% APR (variable). 0% for the first 3 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).

Halifax | Balance Transfer Credit Card (24 Mths) - Semi Excl

Show Details

Halifax
0.0% 19 Months 2.0% 0.0% 16 Months 18.9%Variable
0% for 19 months 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). 2% 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 the first 16 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).

Halifax | Balance Transfer Credit Card (19 Mths)

Show Details

Barclaycard
0.0% 19 Months 2.49% 0.0% 14 Months 18.9%Variable
0% interest for 14 months on purchases and 0% for 19 months on balance transfers. A fee of 2.9% 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

Show Details

Post Office Ltd
0.0% 18 Months 2.98% 0.0% 3 Months 17.8%Variable
Post Office® Credit Card. The credit card for everyday use home and abroad. 17.8% APR Representative (variable). The Post Office Credit Card offers you a range of benefits whether you use it at home or abroad. 17.8% APR Representative (variable).
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 Ltd | Platinum Card

Show Details

Bank of Scotland
0.0% 18 Months 2.0% 0.0% 16 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 2% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% for 18 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 representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 2% 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 16 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 (18 Mths)

Show Details

Lloyds Bank
0.0% 18 Months 2.0% 0.0% 16 Months 18.9%Variable
Saving - 0% interest for up to the first 18 months on balances transferred within the first 90 days after your account is opened. Balance transfer fee of 2.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. Shopping – 0% interest on purchases for the first 16 months after your account is opened.
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 (18 Mths)

Show Details

Barclaycard
0.0% 18 Months 2.9% 0.0% 3 Months 27.9%Variable
0% interest on balance transfers for 18 months from account opening (2.9% handling fee applies). 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 27.9% p.a.(variable), you will pay 27.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (18 Mths)

Show Details

Santander
0.0% 17 Months 0.9% 0.0% 3 Months 18.9%Variable
0% for 17 months on balance transfers. 0.9% balance transfer fee applies (minimum £5). 0% for 3 months on purchases. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
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 | Low Balance Transfer Fee Credit Card

Show Details

Sainsburys Bank
0.0% 16 Months 3.0% 0.0% 16 Months 16.9%Variable

Sainsbury's Nectar Purchase Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card or use it online. 0% interest on balance transfers for the first 16 months from account opening (3% balance transfer fee applies). 0% on purchases for the first 16 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.

Representative Example: If you borrow £1200 at a purchase rate of 16.94% p.a.(variable), you will pay 16.9% APR Representative (variable).

Sainsburys Bank | Nectar Credit Card

Show Details

Halifax
0.0% 15 Months 0.8% 0.0% 15 Months 17.9%Variable
This Halifax Credit Card has a low 0.8% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 15 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 0% for the first 15 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Halifax | All in One Card Credit Card

Show Details

Nationwide Building Society
0.0% 15 Months 0.65% 0.0% 3 Months 17.9%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%.
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)

Show Details

TSB
0.0% 15 Months 0.8% 0.0% 3 Months 17.9%Variable
0% interest for up to 15 months on balances transferred within the first 90 days (0.8% fee, this will increase to 3% after 90 days from account opening). 0% on purchases for the first 3 months. Representative 17.9% APR (variable). 
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 | Platinum Balance Transfer Card - (15 Mths)

Show Details

Bank of Scotland
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable
Exclusively available online: our longest balance transfer offer, with a 1% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 13 months on purchases. 0% up to the first 13 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 23.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Purchase Card

Show Details

Lloyds Bank
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable

A great introductory offer on purchases and balance transfers. Good for: Shopping – 0% interest on purchases for the first 13 months. Saving - 0% interest for the first 13 months on balances transferred in the first 90 days. Low standard balance transfer fee of 1% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.

Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Lloyds Bank | Platinum Purchase Card

Show Details

TSB
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable
0% on purchases for the first 13 months. 0% interest for the first 13 months on balances transferred within the first 90 days (1% fee, this will increase to 3% after 90 days from account opening). Representative 17.9% APR (variable).
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 | Platinum Purchase Card

Show Details

Avios
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%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 and purchases for 13 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.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

Show Details

Lloyds Bank
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
Get a choice of rewards for your everyday spend. 0% interest for the first 13 months on purchases and on balances transferred within the first 90 days (3% fee applies). Collect 10 Choice points for every £1 of eligible spend on the Choice Rewards American Express®. Whether it’s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you’ll get to choose the reward you want, when you want. Get there quicker – with double Choice points on eligible spend¹ for the first 6 months on your American Express Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

Show Details

Avios
0.0% 13 Months 3.0% 0.0% 13 Months 50.8%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 and purchases for 13 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 17.95% p.a.(variable), with an £140 annual fee, you will pay 50.8% APR Representative (variable).

Avios | Lloyds Bank Premier Avios Rewards (MCard)

Show Details

AA
0.0% 12 Months 3.0% 0.0% 10 Months 16.9%Variable
0% for 12 months from the date your account is opened, on balance transfers made in the first 90 days (3% fee). 0% for 10 months on all card purchases from the date your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

AA | Rewards Credit Card

Show Details

Sainsburys Bank
0.0% 12 Months 0.5% 0.0% 12 Months 18.9%Variable
Sainsbury's Nectar Low Balance Transfer Fee Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Plus, you'll get 0% on purchases and balance transfers for 12 months from account opening. 0.5% balance transfer fee (minimum £3) during the first 3 months from account opening, then 3% onwards. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel (plus 1 point per litre when you also swipe your Nectar card). One Nectar point for every £5 spent on your card elsewhere. 
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 Low BT Fee Credit Card

Show Details

Bank of Scotland
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
Our lowest balance transfer fee - we'll refund 2.6% of the initial 3% fee, so the effective fee is 0.4%. Applies to balance transfers in the first 90 days from account opening. Offer exclusively available online only. 0% for 10 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 representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. 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 10 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 (10 Mths)

Show Details

Halifax
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
0% for 10 months 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). 0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. 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 10 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).

Halifax | Balance Transfer Credit Card (10 Mths)

Show Details

Lloyds Bank
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
Saving - 0% interest for up to the first 10 months on balances transferred within the first 90 days after your account is opened.0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. 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. Shopping – 0% interest on purchases for the first 10 months after your account is opened.
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 (10 Mths)

Show Details

Tesco Bank
0.0% 10 Months 0.0% 0.0% 10 Months 18.9%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

Show Details

Santander
0.0% 9 Months 3.0% 0.0% 18 Months 18.9%Variable
0% for 18 months on purchases. 0% for 9 months on balance transfers from date of account opening (3% fee applies, minimum £5). No annual fee. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
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 | Purchase Credit Card

Show Details

Barclaycard
0.0% 9 Months 2.9% N/A N/A 18.9%Variable

An amazing 10,500 Freedom bonus points worth £30 when you spend £500 or more in the first three months of account opening (terms and conditions apply). Rewards range from the high street, online favourites, places to eat and drink, to top entertainment and days out. Earn points wherever you shop, with double Freedom points on your UK supermarket, petrol station and all Transport for London (TfL) spend, plus triple points at selected Freedom partners (terms and conditions apply). 0% interest on balance transfers for 9 months from account opening (2.9% handling 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).

Barclaycard | Freedom Rewards

Show Details

TSB
0.0% 6 Months 3.0% N/A N/A 17.9%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)

Show Details

TSB
0.0% 6 Months 3.0% N/A N/A 23.7%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)

Show Details

Tesco Bank
0.0% 3 Months 2.9% 0.0% 19 Months 18.9%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)

Show Details

Santander
0.0% 1 Months 3.0% 0.0% 18 Months 16.5%Variable

Get cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all 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 18 months on purchases from account opening. 16.5% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open a new Santander 123 Current Account, Santander will refund the first year's £24 annual fee on your 123 Credit Card. Offer valid until 31/12/2014. Contactless payments on items below £20. Subject to status. 

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

Show Details

MoneyExpert Ltd is a Credit Intermediary and receives commission payments for all credit cards referrals made on our website. This does not apply to Tesco Bank, NatWest and Royal Bank of Scotland. 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.

View our guide to credit cards

Credit Cards News

View full news section

Simply Switch

© MoneyExpert.com 2014

MoneyExpert Limited Registered in England. Registered Number 04765843. Registered Office: MoneyExpert Limited, Craven House, Station Approach, Godalming, Surrey, GU7 1EX. Consumer Credit Licence Number 662105. Data Protection Licence Number Z8204138. MoneyExpert Limited is an appointed representative of MoneyExpert Insurance Services Limited which is authorised and regulated by The Financial Conduct Authority FRN 557120.

Terms & Conditions Privacy Policy Cookies Site Map Complaint Handling