Our Current Top Card

MBNA Limited
- Platinum Credit Card (41 Mths) -

  • 0% for 20 Months on Money Transfers
  • 0% Interest for 41 Months on Balance Transfers Made Within 60 Days
  • 3.45% 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
25 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to 25 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 25 months and a representative rate of 18.9% APR (variable). 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 6 months from account opening on purchases.

Lloyds Bank

Balance Transfers
20 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers. Get up to 20 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
20 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to 20 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.

Santander

Balance Transfers
15 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% for 15 months on balance transfers and purchases from the date of account opening. No balance transfer fee during the introductory period. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch.

Bank of Scotland

Balance Transfers
3 Months
6.45% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
6.4% APR
Representative
variable

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

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

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

 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
0.59%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

Barclaycard

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.63%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers for 32 months from account opening (0.63% fee applies). A fee of 3.5% will be applied, then reduced to 0.63% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.

Sainsburys Bank

Balance Transfers
33 Months
0% interest on
Balance Transfers

Fee
0.64%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Halifax

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.7%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Lloyds Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.8%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

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

A great credit card for balance transfers, plus a low balance transfer fee – available exclusively online. 0% for up to 32 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% for 32 or 26 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 1.39% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 1.61% within 90 days, so the effective fee is 1.39%. 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.

Tesco Bank

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
0.99%
Transfer Fee

Representative APR.
56.5% APR
Representative
variable

Santander

Balance Transfers
40 Months
0% interest on
Balance Transfers

Fee
1%
Transfer Fee

Representative APR.
21.7% APR
Representative
variable

The Co-operative Bank

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
1%
Transfer Fee

Representative APR.
18% APR
Representative
variable

MBNA Limited

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
1.14%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Virgin Money

Balance Transfers
34 Months
0% interest on
Balance Transfers

Fee
1.49%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

Sainsburys Bank

Balance Transfers
35 Months
0% interest on
Balance Transfers

Fee
1.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Virgin Money

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
1.69%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

Bank of Scotland

Balance Transfers
40 Months
0% interest on
Balance Transfers

Fee
1.94%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

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). 1.94% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; then reduced to 1.94% 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.

Lloyds Bank

Balance Transfers
40 Months
0% interest on
Balance Transfers

Fee
1.94%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

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). 1.94% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; then reduced to 1.94% 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.

Barclaycard

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
1.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on purchases for 25 months and 0% interest for 25 months on balance transfers (1.99% transfer fee applies). A fee of 3% will be applied, then reduced to 1.99% by a refund (terms and conditions apply).

MBNA Limited

Balance Transfers
40 Months
0% interest on
Balance Transfers

Fee
2.35%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Virgin Money

Balance Transfers
36 Months
0% interest on
Balance Transfers

Fee
2.39%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

Barclaycard

Balance Transfers
37 Months
0% interest on
Balance Transfers

Fee
2.45%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers for 37 months from account opening (2.45% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.45% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.

Post Office Money

Balance Transfers
37 Months
0% interest on
Balance Transfers

Fee
2.49%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

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 37 months.2.49% 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. 

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

AA

Balance Transfers
37 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

Bank of Scotland

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to the first 21 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 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of either 21.9% APR (variable), or 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 21 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of either 21.9% APR (variable) or 25.9% APR (variable).

Lloyds Bank

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers. Get 21 months 0% interest on balance transfers made within 90 days of opening your account. 2.5% 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.

M&S Bank

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

nuba

Balance Transfers
26 Months
0% interest on
Balance Transfers

Fee
2.95%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Halifax

Balance Transfers
26 Months
0% interest on
Balance Transfers

Fee
2.95%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to the first 21 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 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 2.5% 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 21 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of 21.9% APR (variable), or 25.9% APR (variable).

TSB

Balance Transfers
20 Months
0% interest on
Balance Transfers

Fee
2.95%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

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 Sep 2017 (terms and conditions apply).

AA

Balance Transfers
26 Months
0% interest on
Balance Transfers

Fee
2.98%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% for 20 months on balance transfers made in the first 3 months. A 2.98% fee applies to balance transfers. 0% on all purchases for 26 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.

Post Office Money

Balance Transfers
16 Months
0% interest on
Balance Transfers

Fee
2.98%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

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. 

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

Virgin Money

Balance Transfers
20 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

Barclaycard

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
24.9% APR
Representative
variable

Barclaycard

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
24.9% APR
Representative
variable

0% interest on balance transfers for 18 months from account opening (2.99% handling fee applies). 0% interest on purchases for 3 months from account opening.

Hilton HHonors

Balance Transfers
15 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

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

Lloyds Bank

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
23.7% APR
Representative
variable

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

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

Virgin Atlantic

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
22.9% APR
Representative
variable

Virgin Atlantic

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
57.4% APR
Representative
variable

Capital One

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
34.9% APR
Representative
variable

Amnesty International

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Santander

Balance Transfers
1 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Halifax

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.18%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Balance Transfer offer - exclusively available online only. 0% for up to 41 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. 3.18% 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 3.18% 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.

Virgin Money

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.19%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

nuba

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.29%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

MBNA Limited

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.45%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% interest for up to 41 months on balance transfers. 3.45% fee for the first 60 days (20.9% APR and 5% fee thereafter)

0% interest for up to 20 months on money transfers, 4% fee for the first 60 days (22.9% APR and 5% fee thereafter)
You cannot transfer a balance from another MBNA card.

Eligibility for this card depends on your circumstances and the results of MBNA's eligibility check. The product, APR and promotional offer you could get may differ from the example. Must be aged 18 or over, hold a UK bank account and must have been a permanent UK resident for at least 3 years. You must have a good credit rating and credit is subject to status.

nuba

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.49%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

0% interest for up to 41 months on balance transfers. 3.49% fee for the first 60 days (20.9% APR and 5% fee thereafter)

0% interest for up to 20 months on money transfers, 4% fee for the first 60 days (22.9% APR and 5% fee thereafter)
£20 Amazon voucher when you make balance or money transfers totalling at least £1000 within the first 60 days

Eligibility for this card depends on your circumstances and the results of the eligibility check. The product, APR and promotional offer you could get may differ from the example. Must be aged 18 or over, hold a UK bank account and must have been a permanent UK resident for at least 3 years. You must have a good credit rating and credit is subject to status. You cannot transfer a balance from another MBNA card.

Creation Financial Services

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

Low Balance Transfer Credit Cards

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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?


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