Card Duration Fee Representative APR

MBNA Limited

Platinum Credit Card (41 Mths)
41 Months0% Interest on Transfers 3.45% Transfer Fee 18.9% APR Representative Variable Apply

nuba

transfer credit card - semi excl (3.49% fee)
41 Months0% Interest on Transfers 3.49% Transfer Fee 18.9% APR Representative Variable Apply

MBNA Limited

Platinum Credit Card (33 Mths)
33 Months0% Interest on Transfers 1.99% Transfer Fee 19.9% APR Representative Variable Apply

MBNA Limited

Platinum Credit Card (31 Mths)
31 Months0% Interest on Transfers 1.1% Transfer Fee 19.9% APR Representative Variable Apply

Sainsburys Bank

Nectar Balance Transfer Credit Card (30 Mths)
30 Months0% Interest on Transfers 3% Transfer Fee 19.9% APR Representative Variable Apply

Virgin Money

Balance Transfer Credit Card (30 Mths)
30 Months0% Interest on Transfers 1.75% Transfer Fee 20.9% APR Representative Variable Apply

Santander

All in One Credit Card
30 Months0% Interest on Transfers 0% Transfer Fee 21.7% APR Representative Variable Apply

MBNA Limited

All Round Credit Card
28 Months0% Interest on Transfers 2.72% Transfer Fee 19.9% APR Representative Variable Apply

M&S Bank

Transfer Plus Credit Card Ex/C
28 Months0% Interest on Transfers 0.99% Transfer Fee 19.9% APR Representative Variable Apply

M&S Bank

Transfer Plus Credit Card
28 Months0% Interest on Transfers 0.99% Transfer Fee 19.9% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card (Money Transfer)
28 Months0% Interest on Transfers 2.69% Transfer Fee 19.9% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card (Balance Transfer)
28 Months0% Interest on Transfers 2.69% Transfer Fee 19.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (28 Mths)
28 Months0% Interest on Transfers 3% Transfer Fee 19.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (28 Mths)
28 Months0% Interest on Transfers 3% Transfer Fee 19.9% APR Representative Variable Apply

HSBC

Advance Credit Card Ex/C
28 Months0% Interest on Transfers 1.3% Transfer Fee 21.9% APR Representative Variable Apply

HSBC

Balance Transfer Credit Card (28 Mths)
28 Months0% Interest on Transfers 1.4% Transfer Fee 21.9% APR Representative Variable Apply

Virgin Money

Balance Transfer Credit Card (28 Mths) - Semi Excl
28 Months0% Interest on Transfers 2.8% Transfer Fee 23.9% APR Representative Variable Apply

Santander

Everyday Credit Card
27 Months0% Interest on Transfers 0% Transfer Fee 18.9% APR Representative Variable Apply

First Direct

Credit Card
27 Months0% Interest on Transfers 2.29% Transfer Fee 18.9% APR Representative Variable Apply

Sainsburys Bank

Nectar Dual Offer Credit Card
27 Months0% Interest on Transfers 3% Transfer Fee 20.9% APR Representative Variable Apply

Virgin Money

All Round Credit Card (26m)
26 Months0% Interest on Transfers 2.9% Transfer Fee 18.9% APR Representative Variable Apply

Sainsburys Bank

Nectar No Balance Transfer Fee Credit Card
26 Months0% Interest on Transfers 0% Transfer Fee 20.9% APR Representative Variable Apply

Virgin Money

Balance Transfer Credit Card (26 Mths) - Semi Excl
26 Months0% Interest on Transfers 2.8% Transfer Fee 27.9% APR Representative Variable Apply

nuba

all round credit card - semi excl
25 Months0% Interest on Transfers 2.39% Transfer Fee 18.9% APR Representative Variable Apply

Bank of Ireland (NI)

Matched Credit Card
24 Months0% Interest on Transfers 2.49% Transfer Fee 17.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (24 Mths)
24 Months0% Interest on Transfers 1.5% Transfer Fee 19.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (24 Mths)
24 Months0% Interest on Transfers 1.5% Transfer Fee 19.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (24 Mths)
24 Months0% Interest on Transfers 1.5% Transfer Fee 19.9% APR Representative Variable Apply

MBNA Limited

Platinum Credit Card (24 Mths)
24 Months0% Interest on Transfers 3.45% Transfer Fee 19.9% APR Representative Variable

The Co-operative Bank

Balance Transfer Credit Card Ex/C
24 Months0% Interest on Transfers 1% Transfer Fee 20.6% APR Representative Variable Apply

Virgin Money

All Round Credit Card (24m) - Semi Excl
24 Months0% Interest on Transfers 2.9% Transfer Fee 23.9% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card with 0% BT Fee
22 Months0% Interest on Transfers 0% Transfer Fee 19.9% APR Representative Variable Apply

Creation Financial Services

All Rounded Credit Card
20 Months0% Interest on Transfers 3% Transfer Fee 18.9% APR Representative Variable Apply

Creation Financial Services

Balance Transfer Card (20 Mths)
20 Months0% Interest on Transfers 3% Transfer Fee 18.9% APR Representative Variable Apply

M&S Bank

Shopping Plus Credit Card Ex/C
20 Months0% Interest on Transfers 2.9% Transfer Fee 19.9% APR Representative Variable Apply

M&S Bank

Shopping Plus Credit Card
20 Months0% Interest on Transfers 2.9% Transfer Fee 19.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (20/20 Mths)
20 Months0% Interest on Transfers 3% Transfer Fee 19.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (20/20 Mths)
20 Months0% Interest on Transfers 3% Transfer Fee 19.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (20/20 Mths)
20 Months0% Interest on Transfers 3% Transfer Fee 19.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (20 Mths)
20 Months0% Interest on Transfers 0% Transfer Fee 19.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (20 Mths)
20 Months0% Interest on Transfers 0% Transfer Fee 19.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (20 Mths)
20 Months0% Interest on Transfers 0% Transfer Fee 19.9% APR Representative Variable Apply

Virgin Money

All Round Credit Card (19m) - Semi Excl
19 Months0% Interest on Transfers 2.9% Transfer Fee 27.9% APR Representative Variable Apply

HSBC

Premier Credit Card
18 Months0% Interest on Transfers 1.4% Transfer Fee 18.9% APR Representative Variable Apply

John Lewis

Partnership Card
18 Months0% Interest on Transfers 2.9% Transfer Fee 18.9% APR Representative Variable Apply

Virgin Money

Purchase Credit Card (28m)
18 Months0% Interest on Transfers 2% Transfer Fee 19.9% APR Representative Variable Apply

HSBC

Matched Credit Card
18 Months0% Interest on Transfers 2.99% Transfer Fee 22.9% APR Representative Variable Apply

Bank of Scotland

Classic Card
18 Months0% Interest on Transfers 3% Transfer Fee 27.9% APR Representative Variable Apply

Santander

World Elite Mastercard Ex/C
18 Months0% Interest on Transfers 0% Transfer Fee 49.8% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card (All Round 15/15)
15 Months0% Interest on Transfers 0.85% Transfer Fee 18.9% APR Representative Variable Apply

ASDA

Cashback Plus Credit Card
15 Months0% Interest on Transfers 3% Transfer Fee 26.2% APR Representative Variable Apply

IHG Rewards Club

IHG® Rewards Club Premium VISA
15 Months0% Interest on Transfers 2.99% Transfer Fee 42.2% APR Representative Variable Apply

Nationwide Building Society

Select Credit Card Ex/C
12 Months0% Interest on Transfers 0% Transfer Fee 15.9% APR Representative Variable Apply

Nationwide Building Society

Credit Card Ex/C
12 Months0% Interest on Transfers 0% Transfer Fee 17.9% APR Representative Variable Apply

Clydesdale Bank

Gold Credit Card
12 Months0% Interest on Transfers 3% Transfer Fee 18.9% APR Representative Variable Apply

Yorkshire Bank

Gold Credit Card
12 Months0% Interest on Transfers 3% Transfer Fee 18.9% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card (All Round 12/12)
12 Months0% Interest on Transfers 0% Transfer Fee 18.9% APR Representative Variable

Creation Financial Services

Balance Transfer Card (12 Mths)
12 Months0% Interest on Transfers 5% Transfer Fee 18.9% APR Representative Variable Apply

IHG Rewards Club

Credit Card
12 Months0% Interest on Transfers 3% Transfer Fee 18.9% APR Representative Variable Apply

Virgin Money

Travel Credit Card
12 Months0% Interest on Transfers 0% Transfer Fee 19.9% APR Representative Variable Apply

ASDA

Cashback Credit Card
12 Months0% Interest on Transfers 3% Transfer Fee 19.9% APR Representative Variable Apply

Debenhams

Credit Card
12 Months0% Interest on Transfers 2.99% Transfer Fee 24.9% APR Representative Variable

Capital One

Balance Transfer Credit Card
12 Months0% Interest on Transfers 2.9% Transfer Fee 24.9% APR Representative Variable

IHG Rewards Club

Premium Credit Card
12 Months0% Interest on Transfers 3% Transfer Fee 41.5% APR Representative Variable Apply

Bank of Ireland (NI)

Queen's Affinity Credit Card
9 Months0% Interest on Transfers 2.98% Transfer Fee 17.9% APR Representative Variable Apply

House of Fraser

Recognition Credit Card
9 Months0% Interest on Transfers 2.99% Transfer Fee 24.9% APR Representative Variable

Bank of Ireland (NI)

Ulster Rugby Credit Card
6 Months0% Interest on Transfers 2.98% Transfer Fee 17.9% APR Representative Variable

M&S Bank

Reward Plus Credit Card Ex/C
6 Months0% Interest on Transfers 2.9% Transfer Fee 19.9% APR Representative Variable Apply

M&S Bank

Reward Plus Credit Card
6 Months0% Interest on Transfers 2.9% Transfer Fee 19.9% APR Representative Variable Apply

Virgin Atlantic

Reward Credit Card
6 Months0% Interest on Transfers 3% Transfer Fee 22.9% APR Representative Variable Apply

Capital One

Balance Credit Card - Semi Excl
6 Months0% Interest on Transfers 3% Transfer Fee 34.9% APR Representative Variable Apply

aqua

Classic Card - Semi Excl (6 Mths BT)
6 Months0% Interest on Transfers 3% Transfer Fee 34.9% APR Representative Variable Apply

Virgin Atlantic

Reward+ Credit Card
6 Months0% Interest on Transfers 3% Transfer Fee 63.9% APR Representative Variable Apply

Danske Bank

Standard Credit Card
5 Months0% Interest on Transfers 0% Transfer Fee 22.9% APR Representative Variable Apply

Marbles

Credit Card (34.9%) - Semi Excl (5 Mths BT)
5 Months0% Interest on Transfers 3% Transfer Fee 34.9% APR Representative Variable Apply

Capital One

Classic Complete Card - Excl
4 Months0% Interest on Transfers 3% Transfer Fee 34.9% APR Representative Variable Apply

Tesco Bank

Purchase card with 1000 points
3 Months0% Interest on Transfers 2.9% Transfer Fee 18.9% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card (Purchase 26m)
3 Months0% Interest on Transfers 2.9% Transfer Fee 19.9% APR Representative Variable Apply

Sainsburys Bank

Nectar Purchase Credit Card
3 Months0% Interest on Transfers 3% Transfer Fee 20.9% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card with Low APR
1 Months0% Interest on Transfers 0% Transfer Fee 5.9% APR Representative Variable Apply

Santander

Zero Credit Card
1 Months0% Interest on Transfers 3% Transfer Fee 18.9% APR Representative Variable Apply

MBNA Limited

Platinum Credit Card (41 Mths)

nuba

transfer credit card - semi excl (3.49% fee)

MBNA Limited

Platinum Credit Card (33 Mths)

MBNA Limited

Platinum Credit Card (31 Mths)

Sainsburys Bank

Nectar Balance Transfer Credit Card (30 Mths)

Virgin Money

Balance Transfer Credit Card (30 Mths)

Santander

All in One Credit Card

MBNA Limited

All Round Credit Card

M&S Bank

Transfer Plus Credit Card Ex/C

M&S Bank

Transfer Plus Credit Card

Tesco Bank

Clubcard Credit Card (Money Transfer)

Tesco Bank

Clubcard Credit Card (Balance Transfer)

Lloyds Bank

Platinum Balance Transfer Card (28 Mths)

Halifax

Balance Transfer Credit Card (28 Mths)

HSBC

Advance Credit Card Ex/C

HSBC

Balance Transfer Credit Card (28 Mths)

Virgin Money

Balance Transfer Credit Card (28 Mths) - Semi Excl

Santander

Everyday Credit Card

First Direct

Credit Card

Sainsburys Bank

Nectar Dual Offer Credit Card

Virgin Money

All Round Credit Card (26m)

Sainsburys Bank

Nectar No Balance Transfer Fee Credit Card

Virgin Money

Balance Transfer Credit Card (26 Mths) - Semi Excl

nuba

all round credit card - semi excl

Bank of Ireland (NI)

Matched Credit Card

Lloyds Bank

Platinum Balance Transfer Card (24 Mths)

Bank of Scotland

Platinum Balance Transfer Card (24 Mths)

Halifax

Balance Transfer Credit Card (24 Mths)

MBNA Limited

Platinum Credit Card (24 Mths)

The Co-operative Bank

Balance Transfer Credit Card Ex/C

Virgin Money

All Round Credit Card (24m) - Semi Excl

Tesco Bank

Clubcard Credit Card with 0% BT Fee

Creation Financial Services

All Rounded Credit Card

Creation Financial Services

Balance Transfer Card (20 Mths)

M&S Bank

Shopping Plus Credit Card Ex/C

M&S Bank

Shopping Plus Credit Card

Lloyds Bank

Platinum Balance Transfer Card (20/20 Mths)

Bank of Scotland

Platinum Balance Transfer Card (20/20 Mths)

Halifax

Balance Transfer Credit Card (20/20 Mths)

Lloyds Bank

Platinum Balance Transfer Card (20 Mths)

Bank of Scotland

Platinum Balance Transfer Card (20 Mths)

Halifax

Balance Transfer Credit Card (20 Mths)

Virgin Money

All Round Credit Card (19m) - Semi Excl

HSBC

Premier Credit Card

John Lewis

Partnership Card

Virgin Money

Purchase Credit Card (28m)

HSBC

Matched Credit Card

Bank of Scotland

Classic Card

Santander

World Elite Mastercard Ex/C

Tesco Bank

Clubcard Credit Card (All Round 15/15)

ASDA

Cashback Plus Credit Card

IHG Rewards Club

IHG® Rewards Club Premium VISA

Nationwide Building Society

Select Credit Card Ex/C

Nationwide Building Society

Credit Card Ex/C

Clydesdale Bank

Gold Credit Card

Yorkshire Bank

Gold Credit Card

Tesco Bank

Clubcard Credit Card (All Round 12/12)

Creation Financial Services

Balance Transfer Card (12 Mths)

IHG Rewards Club

Credit Card

Virgin Money

Travel Credit Card

ASDA

Cashback Credit Card

Debenhams

Credit Card

Capital One

Balance Transfer Credit Card

IHG Rewards Club

Premium Credit Card

Bank of Ireland (NI)

Queen's Affinity Credit Card

House of Fraser

Recognition Credit Card

Bank of Ireland (NI)

Ulster Rugby Credit Card

M&S Bank

Reward Plus Credit Card Ex/C

M&S Bank

Reward Plus Credit Card

Virgin Atlantic

Reward Credit Card

Capital One

Balance Credit Card - Semi Excl

aqua

Classic Card - Semi Excl (6 Mths BT)

Virgin Atlantic

Reward+ Credit Card

Danske Bank

Standard Credit Card

Marbles

Credit Card (34.9%) - Semi Excl (5 Mths BT)

Capital One

Classic Complete Card - Excl

Tesco Bank

Purchase card with 1000 points

Tesco Bank

Clubcard Credit Card (Purchase 26m)

Sainsburys Bank

Nectar Purchase Credit Card

Tesco Bank

Clubcard Credit Card with Low APR

Santander

Zero Credit Card

MBNA Limited

Platinum Credit Card (41 Mths)

nuba

transfer credit card - semi excl (3.49% fee)

MBNA Limited

Platinum Credit Card (33 Mths)

MBNA Limited

Platinum Credit Card (31 Mths)

Sainsburys Bank

Nectar Balance Transfer Credit Card (30 Mths)

Virgin Money

Balance Transfer Credit Card (30 Mths)

Santander

All in One Credit Card

MBNA Limited

All Round Credit Card

M&S Bank

Transfer Plus Credit Card Ex/C

M&S Bank

Transfer Plus Credit Card

Tesco Bank

Clubcard Credit Card (Money Transfer)

Tesco Bank

Clubcard Credit Card (Balance Transfer)

Lloyds Bank

Platinum Balance Transfer Card (28 Mths)

Halifax

Balance Transfer Credit Card (28 Mths)

HSBC

Advance Credit Card Ex/C

HSBC

Balance Transfer Credit Card (28 Mths)

Virgin Money

Balance Transfer Credit Card (28 Mths) - Semi Excl

Santander

Everyday Credit Card

First Direct

Credit Card

Sainsburys Bank

Nectar Dual Offer Credit Card

Virgin Money

All Round Credit Card (26m)

Sainsburys Bank

Nectar No Balance Transfer Fee Credit Card

Virgin Money

Balance Transfer Credit Card (26 Mths) - Semi Excl

nuba

all round credit card - semi excl

Bank of Ireland (NI)

Matched Credit Card

Lloyds Bank

Platinum Balance Transfer Card (24 Mths)

Bank of Scotland

Platinum Balance Transfer Card (24 Mths)

Halifax

Balance Transfer Credit Card (24 Mths)

MBNA Limited

Platinum Credit Card (24 Mths)

The Co-operative Bank

Balance Transfer Credit Card Ex/C

Virgin Money

All Round Credit Card (24m) - Semi Excl

Tesco Bank

Clubcard Credit Card with 0% BT Fee

Creation Financial Services

All Rounded Credit Card

Creation Financial Services

Balance Transfer Card (20 Mths)

M&S Bank

Shopping Plus Credit Card Ex/C

M&S Bank

Shopping Plus Credit Card

Lloyds Bank

Platinum Balance Transfer Card (20/20 Mths)

Bank of Scotland

Platinum Balance Transfer Card (20/20 Mths)

Halifax

Balance Transfer Credit Card (20/20 Mths)

Lloyds Bank

Platinum Balance Transfer Card (20 Mths)

Bank of Scotland

Platinum Balance Transfer Card (20 Mths)

Halifax

Balance Transfer Credit Card (20 Mths)

Virgin Money

All Round Credit Card (19m) - Semi Excl

HSBC

Premier Credit Card

John Lewis

Partnership Card

Virgin Money

Purchase Credit Card (28m)

HSBC

Matched Credit Card

Bank of Scotland

Classic Card

Santander

World Elite Mastercard Ex/C

Tesco Bank

Clubcard Credit Card (All Round 15/15)

ASDA

Cashback Plus Credit Card

IHG Rewards Club

IHG® Rewards Club Premium VISA

Nationwide Building Society

Select Credit Card Ex/C

Nationwide Building Society

Credit Card Ex/C

Clydesdale Bank

Gold Credit Card

Yorkshire Bank

Gold Credit Card

Tesco Bank

Clubcard Credit Card (All Round 12/12)

Creation Financial Services

Balance Transfer Card (12 Mths)

IHG Rewards Club

Credit Card

Virgin Money

Travel Credit Card

ASDA

Cashback Credit Card

Debenhams

Credit Card

Capital One

Balance Transfer Credit Card

IHG Rewards Club

Premium Credit Card

Bank of Ireland (NI)

Queen's Affinity Credit Card

House of Fraser

Recognition Credit Card

Bank of Ireland (NI)

Ulster Rugby Credit Card

M&S Bank

Reward Plus Credit Card Ex/C

M&S Bank

Reward Plus Credit Card

Virgin Atlantic

Reward Credit Card

Capital One

Balance Credit Card - Semi Excl

aqua

Classic Card - Semi Excl (6 Mths BT)

Virgin Atlantic

Reward+ Credit Card

Danske Bank

Standard Credit Card

Marbles

Credit Card (34.9%) - Semi Excl (5 Mths BT)

Capital One

Classic Complete Card - Excl

Tesco Bank

Purchase card with 1000 points

Tesco Bank

Clubcard Credit Card (Purchase 26m)

Sainsburys Bank

Nectar Purchase Credit Card

Tesco Bank

Clubcard Credit Card with Low APR

Santander

Zero Credit Card

0% Balance Transfer Cards

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.