0% Balance Transfer Fee
Credit Cards

Compare 0% balance transfer cards with Money Expert
and delay paying interest on your current credit card debt.

Compare the best
0% Balance Transfer Credit Cards

MBNA Limited - Platinum Credit Card (41 Mths)
0% On Balance Transfers For
41

Months

Balance Transfer Fee
3.45%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
nuba - transfer credit card - semi excl (3.49% fee)
0% On Balance Transfers For
41

Months

Balance Transfer Fee
3.49%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
MBNA Limited - Platinum Credit Card (33 Mths)
0% On Balance Transfers For
33

Months

Balance Transfer Fee
1.99%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
MBNA Limited - Platinum Credit Card (31 Mths)
0% On Balance Transfers For
31

Months

Balance Transfer Fee
1.1%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Sainsburys Bank - Nectar Balance Transfer Credit Card (30 Mths)
0% On Balance Transfers For
30

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Virgin Money - Balance Transfer Credit Card (30 Mths)
0% On Balance Transfers For
30

Months

Balance Transfer Fee
1.75%

Transfer Fee

Representative APR.
20.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
Santander - All in One Credit Card
0% On Balance Transfers For
30

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
21.7% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.7% APR (variable).
MBNA Limited - All Round Credit Card
0% On Balance Transfers For
28

Months

Balance Transfer Fee
2.72%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
M&S Bank - Transfer Plus Credit Card Ex/C
0% On Balance Transfers For
28

Months

Balance Transfer Fee
0.99%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
M&S Bank - Transfer Plus Credit Card
0% On Balance Transfers For
28

Months

Balance Transfer Fee
0.99%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Tesco Bank - Clubcard Credit Card (Money Transfer)
0% On Balance Transfers For
28

Months

Balance Transfer Fee
2.69%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Tesco Bank - Clubcard Credit Card (Balance Transfer)
0% On Balance Transfers For
28

Months

Balance Transfer Fee
2.69%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (28 Mths)
0% On Balance Transfers For
28

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Halifax - Balance Transfer Credit Card (28 Mths)
0% On Balance Transfers For
28

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
HSBC - Advance Credit Card Ex/C
0% On Balance Transfers For
28

Months

Balance Transfer Fee
1.3%

Transfer Fee

Representative APR.
21.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
HSBC - Balance Transfer Credit Card (28 Mths)
0% On Balance Transfers For
28

Months

Balance Transfer Fee
1.4%

Transfer Fee

Representative APR.
21.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
Virgin Money - Balance Transfer Credit Card (28 Mths) - Semi Excl
0% On Balance Transfers For
28

Months

Balance Transfer Fee
2.8%

Transfer Fee

Representative APR.
23.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 23.9% APR (variable).
Santander - Everyday Credit Card
0% On Balance Transfers For
27

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
First Direct - Credit Card
0% On Balance Transfers For
27

Months

Balance Transfer Fee
2.29%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Sainsburys Bank - Nectar Dual Offer Credit Card
0% On Balance Transfers For
27

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
20.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 20.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
Virgin Money - All Round Credit Card (26m)
0% On Balance Transfers For
26

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Sainsburys Bank - Nectar No Balance Transfer Fee Credit Card
0% On Balance Transfers For
26

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
20.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 20.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
Virgin Money - Balance Transfer Credit Card (26 Mths) - Semi Excl
0% On Balance Transfers For
26

Months

Balance Transfer Fee
2.8%

Transfer Fee

Representative APR.
27.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 27.9% APR (variable).
nuba - all round credit card - semi excl
0% On Balance Transfers For
25

Months

Balance Transfer Fee
2.39%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Bank of Ireland (NI) - Matched Credit Card
0% On Balance Transfers For
24

Months

Balance Transfer Fee
2.49%

Transfer Fee

Representative APR.
17.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (24 Mths)
0% On Balance Transfers For
24

Months

Balance Transfer Fee
1.5%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Bank of Scotland - Platinum Balance Transfer Card (24 Mths)
0% On Balance Transfers For
24

Months

Balance Transfer Fee
1.5%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Halifax - Balance Transfer Credit Card (24 Mths)
0% On Balance Transfers For
24

Months

Balance Transfer Fee
1.5%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
MBNA Limited - Platinum Credit Card (24 Mths)
0% On Balance Transfers For
24

Months

Balance Transfer Fee
3.45%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
The Co-operative Bank - Balance Transfer Credit Card Ex/C
0% On Balance Transfers For
24

Months

Balance Transfer Fee
1%

Transfer Fee

Representative APR.
20.6% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 20.6% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.6% APR (variable).
Virgin Money - All Round Credit Card (24m) - Semi Excl
0% On Balance Transfers For
24

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
23.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 23.9% APR (variable).
Tesco Bank - Clubcard Credit Card with 0% BT Fee
0% On Balance Transfers For
22

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Creation Financial Services - All Rounded Credit Card
0% On Balance Transfers For
20

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Creation Financial Services - Balance Transfer Card (20 Mths)
0% On Balance Transfers For
20

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
M&S Bank - Shopping Plus Credit Card Ex/C
0% On Balance Transfers For
20

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
M&S Bank - Shopping Plus Credit Card
0% On Balance Transfers For
20

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (20/20 Mths)
0% On Balance Transfers For
20

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Bank of Scotland - Platinum Balance Transfer Card (20/20 Mths)
0% On Balance Transfers For
20

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Halifax - Balance Transfer Credit Card (20/20 Mths)
0% On Balance Transfers For
20

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (20 Mths)
0% On Balance Transfers For
20

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Bank of Scotland - Platinum Balance Transfer Card (20 Mths)
0% On Balance Transfers For
20

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Halifax - Balance Transfer Credit Card (20 Mths)
0% On Balance Transfers For
20

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Virgin Money - All Round Credit Card (19m) - Semi Excl
0% On Balance Transfers For
19

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
27.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 27.9% APR (variable).
HSBC - Premier Credit Card
0% On Balance Transfers For
18

Months

Balance Transfer Fee
1.4%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
John Lewis - Partnership Card
0% On Balance Transfers For
18

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Virgin Money - Purchase Credit Card (28m)
0% On Balance Transfers For
18

Months

Balance Transfer Fee
2%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
HSBC - Matched Credit Card
0% On Balance Transfers For
18

Months

Balance Transfer Fee
2.99%

Transfer Fee

Representative APR.
22.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 22.9% APR (variable).
Bank of Scotland - Classic Card
0% On Balance Transfers For
18

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
27.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 27.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 27.9% APR (variable).
Santander - World Elite Mastercard Ex/C
0% On Balance Transfers For
18

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
49.8% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 49.8% APR (variable).
Tesco Bank - Clubcard Credit Card (All Round 15/15)
0% On Balance Transfers For
15

Months

Balance Transfer Fee
0.85%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
IHG Rewards Club - IHG® Rewards Club Premium VISA
0% On Balance Transfers For
15

Months

Balance Transfer Fee
2.99%

Transfer Fee

Representative APR.
42.2% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £8.25 monthly fee your representative rate will be 42.2% APR (variable).
Nationwide Building Society - Select Credit Card Ex/C
0% On Balance Transfers For
12

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
15.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 15.9% APR (variable).
For existing Nationwide Customers only
Nationwide Building Society - Credit Card Ex/C
0% On Balance Transfers For
12

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
17.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).
 For existing Nationwide Customers only
Clydesdale Bank - Gold Credit Card
0% On Balance Transfers For
12

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Yorkshire Bank - Gold Credit Card
0% On Balance Transfers For
12

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Tesco Bank - Clubcard Credit Card (All Round 12/12)
0% On Balance Transfers For
12

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Creation Financial Services - Balance Transfer Card (12 Mths)
0% On Balance Transfers For
12

Months

Balance Transfer Fee
5%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
IHG Rewards Club - Credit Card
0% On Balance Transfers For
12

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Virgin Money - Travel Credit Card
0% On Balance Transfers For
12

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
ASDA - Cashback Credit Card
0% On Balance Transfers For
12

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Debenhams - Credit Card
0% On Balance Transfers For
12

Months

Balance Transfer Fee
2.99%

Transfer Fee

Representative APR.
24.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 24.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).
Capital One - Balance Transfer Credit Card
0% On Balance Transfers For
12

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
24.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).
IHG Rewards Club - Premium Credit Card
0% On Balance Transfers For
12

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
41.5% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £8.25 monthly fee your representative rate will be 41.5% APR (variable).
Bank of Ireland (NI) - Queen's Affinity Credit Card
0% On Balance Transfers For
9

Months

Balance Transfer Fee
2.98%

Transfer Fee

Representative APR.
17.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).
House of Fraser - Recognition Credit Card
0% On Balance Transfers For
9

Months

Balance Transfer Fee
2.99%

Transfer Fee

Representative APR.
24.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 24.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).
Bank of Ireland (NI) - Ulster Rugby Credit Card
0% On Balance Transfers For
6

Months

Balance Transfer Fee
2.98%

Transfer Fee

Representative APR.
17.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).
M&S Bank - Reward Plus Credit Card Ex/C
0% On Balance Transfers For
6

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
M&S Bank - Reward Plus Credit Card
0% On Balance Transfers For
6

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Virgin Atlantic - Reward Credit Card
0% On Balance Transfers For
6

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
22.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 22.9% APR (variable).
Capital One - Balance Credit Card - Semi Excl
0% On Balance Transfers For
6

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
34.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).
aqua - Classic Card - Semi Excl (6 Mths BT)
0% On Balance Transfers For
6

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
34.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).
Virgin Atlantic - Reward+ Credit Card
0% On Balance Transfers For
6

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
63.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £13.33 monthly fee your representative rate will be 63.9% APR (variable).
Danske Bank - Standard Credit Card
0% On Balance Transfers For
5

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
22.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 22.85% p.a. (variable) with a £0.00 monthly fee your representative rate will be 22.9% APR (variable).
Marbles - Credit Card (34.9%) - Semi Excl (5 Mths BT)
0% On Balance Transfers For
5

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
34.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).
Capital One - Classic Complete Card - Excl
0% On Balance Transfers For
4

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
34.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).
Tesco Bank - Purchase card with 1000 points
0% On Balance Transfers For
3

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Tesco Bank - Clubcard Credit Card (Purchase 26m)
0% On Balance Transfers For
3

Months

Balance Transfer Fee
2.9%

Transfer Fee

Representative APR.
19.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Sainsburys Bank - Nectar Purchase Credit Card
0% On Balance Transfers For
3

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
20.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 20.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
Tesco Bank - Clubcard Credit Card with Low APR
0% On Balance Transfers For
1

Months

Balance Transfer Fee
0%

Transfer Fee

Representative APR.
5.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 5.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 5.9% APR (variable).
Santander - Zero Credit Card
0% On Balance Transfers For
1

Months

Balance Transfer Fee
3%

Transfer Fee

Representative APR.
18.9% APR

Representative
variable

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

0% Balance Transfer

Compare 0% Balance Transfer Credit Cards
How Do 0% Balance Transfer 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 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 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.