Our Current Top Card

Halifax
- Balance Transfer Credit Card (43 Mths) -

  • 0% for 6 Months on Purchases
  • 0% Interest for 43 Months on Balance Transfers Made Within 60 Days
  • 2.98% Transfer Fee

Low Balance Transfer Fee
Credit Cards

Compare credit cards with low balance transfer fees with Money Expert and get the best deals available.

Compare the best Low Balance Transfer Credit Cards

Halifax

Balance Transfers
26 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for up to 26 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 26 months and a representative rate of 18.9% APR (variable). 0.00% 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.

Lloyds Bank

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest on balance transfers. Get up to 24 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.

Bank of Scotland

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for up to 24 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. 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.

Bank of Scotland

Balance Transfers
3 Months
6.45% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
6.4% APR
Representative
variable

See Deal

This offer is exclusively available online only. Low representative rate of 6.4% APR (variable). At least 51% of customers will get a representative rate of 6.4% APR (variable). Others will get a rate of 10.9% APR (variable), or 14.9% APR (variable). One simple rate for both balance transfers and purchases. Minimum £100 balance transfer. 0% fee on balance transfers within the first 90 days. 3% fee applies on each balance transfer made after the first 90 days.

Lloyds Bank

Balance Transfers
3 Months
6.45% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
6.4% APR
Representative
variable

See Deal

Low Interest Rate. A representative rate of 6.4% APR (variable) on purchases and balances transferred. No Balance Transfer Fee. You'll pay no fee on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter. £0 Annual Fee. There is no annual fee to pay.

Barclaycard

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
0.15%
Transfer Fee

Representative APR.
21.9% APR
Representative
variable

See Deal

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. Free ongoing access to your Experian Credit Score. 0% interest on balance transfers for the first 12 months (0.15% fee applies). 0% interest on purchases for 12 months from account opening.

TSB

Balance Transfers
28 Months
0% interest on
Balance Transfers

Fee
0.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

 0% interest for up to 28 months on balance transfers within the first 90 days (0.50% Balance Transfer Fee applies). £100 minimum balance transfer. Subject to status and lending criteria. 0% on purchases for the first 3 months.

Virgin Money

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
0.55%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

Barclaycard

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.6%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Barclaycard

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.6%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest on balance transfers for 32 months from account opening (0.60% fee applies). A fee of 3.5% will be applied, then reduced to 0.60% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.

Halifax

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.7%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Lloyds Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.8%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest on balance transfers. Get up to 32 months 0% interest on balance transfers made within 90 days of opening your account. 0.80% balance transfer fee. An initial 3% fee applies; which is reduced to 0.80% by a refund. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies. 0% interest on purchases. For 6 months after opening your account, get 0% on purchases made.

Bank of Scotland

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.8%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

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). 0.80% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund the difference within 90 days, so the effective fee is  0.80%. 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 12 months from account opening on purchases.

M&S Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

M&S Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

The Co-operative Bank

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
1%
Transfer Fee

Representative APR.
18% APR
Representative
variable

See Deal

Barclaycard

Balance Transfers
37 Months
0% interest on
Balance Transfers

Fee
1.4%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest on balance transfers for 37 months from account opening (1.40% handling fee applies). A fee of 3.5% will be applied, then reduced to 1.40% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.

Barclaycard

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
1.49%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest on purchases for 25 months and 0% interest for 25 months on balance transfers (1.49% transfer fee applies). A fee of 3% will be applied, then reduced to 1.49% by a refund (terms and conditions apply).

Sainsburys Bank

Balance Transfers
35 Months
0% interest on
Balance Transfers

Fee
1.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Virgin Money

Balance Transfers
40 Months
0% interest on
Balance Transfers

Fee
1.7%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal

Bank of Scotland

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
1.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for up to 41 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 41 months and a representative rate of 18.9% APR (variable). 1.90% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; then reduced to 1.90% by a refund. 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.

Virgin Money

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

Lloyds Bank

Balance Transfers
42 Months
0% interest on
Balance Transfers

Fee
2.3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for up to 40 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 40 months and a representative rate of 18.9% APR (variable). 2.30% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; then reduced to 2.30% by a refund. 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.

Sainsburys Bank

Balance Transfers
42 Months
0% interest on
Balance Transfers

Fee
2.3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Bank of Ireland (NI)

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
2.49%
Transfer Fee

Representative APR.
17.9% APR
Representative
variable

See Deal

Virgin Money

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal

Bank of Scotland

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for up to the first 24 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. 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 24 months from account opening on purchases.

Lloyds Bank

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest on balance transfers. Get 24 months 0% interest on balance transfers made within 90 days of opening your account. 2.50% balance transfer fee. You’ll also pay only a 2.5% fee on balances transferred during these 90 days, instead of the standard 3% fee. 0% interest on purchases. For 21 months after opening your account, get 0% on purchases.

Virgin Money

Balance Transfers
27 Months
0% interest on
Balance Transfers

Fee
2.7%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Santander

Balance Transfers
27 Months
0% interest on
Balance Transfers

Fee
2.75%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for 27 months on balance transfers and purchases from the date of account opening.  2.75% balance transfer fee applies during the introductory period. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch.

Post Office Money

Balance Transfers
26 Months
0% interest on
Balance Transfers

Fee
2.75%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. For everyday purchases and balance transfers. 0% on purchases for the first 27 months. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 16 months. 0% on balance transfers for 16 months. Balance transfers must be made within the first 3 months. 2.98% fee on balance transfers. No annual fee. 

Representative example: When you spend £1200 at a rate of 18.9 (variable) per annum, your representative APR is 18.9% APR (variable)

Post Office Money

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2.89%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. No balance transfer fee and 0% on balance transfers for 22 months with our Post Office Money Platinum Credit Card.
Balance transfers must be made within three months of account opening. No fees on purchases overseas. No cash fee to buy travel money at the Post Office. 0% on all purchases for the first 3 months.

Representative example: When you spend £1200 at a rate of 17.8 (variable) per annum, your representative APR is 17.8% APR (variable)

AA

Balance Transfers
16 Months
0% interest on
Balance Transfers

Fee
2.89%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for 18 months on balance transfers made in the first 3 months. A 2.89% fee applies to balance transfers. 0% on all purchases for 28 months from the date your account is opened. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 20 months. Contactless Payments. Instant Decision. No Annual Fee. Additional card security when you shop online with MasterCard® SecureCode™.
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Virgin Money

Balance Transfers
36 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal

M&S Bank

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Halifax

Balance Transfers
26 Months
0% interest on
Balance Transfers

Fee
2.95%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for up to the first 26 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. 2.95% 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 26 months from account opening on purchases.

TSB

Balance Transfers
20 Months
0% interest on
Balance Transfers

Fee
2.95%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest for the first 20 months on balance transfers within the first 90 days (2.95% Balance Transfer Fee applies). A Balance Transfer Fee of 2.95% applies. 0% on purchases for 20 months. Minimum £100 balance transfer. 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 June 2018 (terms and conditions apply).

Halifax

Balance Transfers
43 Months
0% interest on
Balance Transfers

Fee
2.98%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Balance Transfer offer - exclusively available online only. 0% for up to 43 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. 2.98% effective fee applies on each balance transfer made in the first 90 days. An initial 3.50% fee applies; within 90 days we'll then reduce it to 2.98% by a refund. 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.

Bank of Ireland (NI)

Balance Transfers
9 Months
0% interest on
Balance Transfers

Fee
2.98%
Transfer Fee

Representative APR.
17.9% APR
Representative
variable

See Deal

MBNA Limited

Balance Transfers
43 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Barclaycard

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
24.9% APR
Representative
variable

See Deal

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.

Hilton HHonors

Balance Transfers
15 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

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).

Virgin Money

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal

Lloyds Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
23.7% APR
Representative
variable

See Deal

With two cards and one account, shopping has never been so rewarding. 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 24 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 24 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).

Bank of Scotland

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
27.9% APR
Representative
variable

See Deal

0% for 18 months from account opening on balance transfers made within the first 90 days. £100 minimum balance transfer. 3% balance transfer fee applies. 0% for 9 months from account opening on purchases.

Miles & More

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
22.9% APR
Representative
variable

See Deal

Virgin Atlantic

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
22.9% APR
Representative
variable

See Deal

Virgin Atlantic

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
57.4% APR
Representative
variable

See Deal

Capital One

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
34.9% APR
Representative
variable

See Deal

Halifax

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Amnesty International

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Santander

Balance Transfers
1 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

AA

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.25%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Post Office Money

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.25%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. 0% on balance transfers for up to 41 months.3.25% fee applies and balance transfers must be made within 3 months of account opening. No cash fee to buy travel money at the Post Office. 0% on purchases for the first 3 months. No annual fee. 

Representative example: When you spend £1200 at a rate of 18.9 (variable) per annum, your representative APR is 18.9% APR (variable)

nuba

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.29%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Creation Financial Services

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Low Balance Transfer Credit Cards

Compare and apply for the cheapest credit cards in seconds online with MoneyExpert’s search and comparison service. No obligation and no credit checks make it a resource not to miss when looking after your finances.


We have organised our credit card tables into easy to use categories so that you don’t miss out on the best credit card deals. You can quickly compare the credit cards you are interested in and apply online in minutes.


You’ll find them all here…whether you are after a 0% purchase card or 0% balance transfer deal, rewards and cash back cards, a low standard rate card, low life of balance cards, charity, sports and green cards are all available at MoneyExpert’s free service. There are no credit checks or obligations to apply and the comparison service is free and fast. Compare the best credit cards today.


You can be sure you’ve found the best credit card in minutes using MoneyExpert’s service. Let MoneyExpert save your valuable time – we do all the searching, saving you having to visit all the card providers in search of the best deals. On top of that we have deals that beat the rates or offers you would get if you went to some of the credit card providers direct.


You can compare the best rewards cards to 0% balance transfer deals online with no obligation and no costs involved. What are you waiting for? We have ready and waiting for you, the cheapest credit card offers in the UK to compare today. Compare credit cards now


It is important to choose the right credit card and with over 450 to choose from how do you make that decision? Firstly you need to decide how you will use your card…will you pay the balance in full every month? Maybe a reward, cash back or just a low standard rate are what you are looking for in your credit card. Do you want to move an existing balance and reduce your payments? Could a 0% balance transfer card be the answer or would you prefer a low life of balance card and not have to keep moving to a different balance transfer card?


Whatever your requirements, find the best credit cards first time in our easy to use comparison tables. With our fast, free service you can get the best card for your lifestyle first time. There’s no obligation or credit checks carried out just the best credit card for you. Compare cheap credit cards online today