Compare 0% balance transfer credit cards

Compare balance transfer credit cards and pay 0% on your outstanding balance for up to 3 years.

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Top deals Balance transfer Transfer fee APR

Barclaycard Platinum 36 Month Balance Transfer Visa

most popular market leading Featured card reduced fee offer limited offer No Annual Fee

Barclaycard Platinum 36 Month Balance Transfer Visa

Features
  • Three years 0% in balance transfers after 2.49% transfer fee
  • Online account management as standard
more info
36
 months
0% interest on transfers
2.49%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 21 or older
  • have an income of £20,000 or more
  • have a good credit rating
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Barclaycard Platinum 35 Month Balance Transfer Visa

reduced fee offer limited offer No Annual Fee

Barclaycard Platinum 35 Month Balance Transfer Visa

Features
  • Pay 2.39% transfer fee for 35 months 0% on balance transfer
  • Online account management as standard
more info
35
 months
0% interest on transfers
2.39%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have an income of £20,000 or more
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Barclaycard Platinum Purchase & Balance Transfer Visa

0% Purchase No Annual Fee

Barclaycard Platinum Purchase & Balance Transfer Visa

Features
  • Get the best of both worlds with 0% on balance transfers and purchases
  • Online account management as standard
more info
23
 months
0% interest on transfers
2.49%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £20,000 or more
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Barclaycard Platinum 18 Month Balance Transfer Visa

Credit Building No Annual Fee

Barclaycard Platinum 18 Month Balance Transfer Visa

Features
  • A balance transfer card for those with limited credit history
  • No bankruptcies or CCJs in the past five years allowed
more info
18
 months
0% interest on transfers
2.9%
Transfer fee
24.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have no history of bankruptcy
  • have no Country Court Judgements (past 5 years)
  • have an income of £20,000 or more
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable).

MBNA Everyday Credit Card Visa

2015 award winner
0% Purchase Money Transfer No Annual Fee

MBNA Everyday Credit Card Visa

Features
  • Eligibility check - find out if you qualify without affecting your credit rating
  • 22 months 0% on cash transferred to your current account within 60 days (4% fee)
more info
22
 months
0% interest on transfers
1.75%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident for at least 3 years
  • be 18 or older
  • no balance transfers from MBNA or Fluid Money credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

MBNA Platinum Credit Card Visa

2015 award winner
eligibility check reduced fee offer Featured card Money Transfer

MBNA Platinum Credit Card Visa

Features
  • Eligibility check - find out if you qualify without affecting your credit rating
  • 12 months 0% on cash transferred to your current account within 60 days (4% fee)
more info
35
 months
0% interest on transfers
2.69%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • no balance transfers from MBNA or Fluid Money credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Nationwide Credit Card with Balance Transfer

2015 award winner
Travel

Nationwide Credit Card with Balance Transfer

Features
  • Offers a commission-free allowance for spending abroad
  • Access to exclusive rewards on big brands with Simply Rewards
  • Manage your account online and via the mobile app
more info
26
 months
0% interest on transfers
2.4%
Transfer fee
17.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • no balance transfers from Nationwide credit cards
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

Lloyds Bank Avios Rewards Amex/MasterCard

0% Purchase Reward Travel Airline Premium Credit Cards

Lloyds Bank Avios Rewards Amex/MasterCard

Features
  • Two cards - Amex and MasterCard - so you can always earn points
  • Up to 1.25 Avios points for every £1 spent (double in first 6 months)
  • No foreign transaction fees
more info
28
 months
0% interest on transfers
3.0%
Transfer fee
23.7% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds credit cards
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 monthly fee, your representative APR is 23.7% APR (variable).

Nationwide Balance Transfer Low Fee

2015 award winner
reduced fee offer Travel

Nationwide Balance Transfer Low Fee

Features
  • Offers a commission-free allowance for spending abroad
  • Access to exclusive rewards on big brands with Simply Rewards
  • Manage your account online and via the mobile app
more info
15
 months
0% interest on transfers
0.65%
Transfer fee
17.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have a Nationwide currect account
  • have an income of £5,000 or more
  • no balance transfers from Nationwide credit cards
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

Lloyds Bank Premier Avios Rewards Amex/MasterCard

Reward Travel Airline 0% Purchase Premium Credit Cards

Lloyds Bank Premier Avios Rewards Amex/MasterCard

Features
  • Two cards so you can always maximise the points you earn
  • Up to 1.25 Avios points for every £1 spent (double in first 6 months)
  • No foreign transaction fees
more info
28
 months
0% interest on transfers
3.0%
Transfer fee
52.1% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds credit cards
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £140 monthly fee, your representative APR is 52.1% APR (variable).

Nationwide Select Low Balance Transfer Fee Visa

2015 award winner
reduced fee offer 0% Purchase Cashback

Nationwide Select Low Balance Transfer Fee Visa

Features
  • Commission-free purchases abroad and no foreign transaction fees
  • 0.5% cashback on all purchases in pounds sterling
  • Nationwide current account customers only
more info
15
 months
0% interest on transfers
0.55%
Transfer fee
15.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • be a Nationwide current account customer
  • have an income of £5,000 or more
  • no balance transfers from Nationwide credit cards
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

Post Office Platinum MasterCard

Travel No Annual Fee

Post Office Platinum MasterCard

Features
  • No foreign transaction fees
  • No cash advance fee when you purchase Post Office Travel Money
more info
18
 months
0% interest on transfers
2.98%
Transfer fee
17.8% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards
Representative example: When you spend £1,200 at a rate of 17.8% (variable) per annum, your representative APR is 17.8% APR (variable).

Nationwide Select Credit Card

2015 award winner
0% Purchase Cashback Travel

Nationwide Select Credit Card

Features
  • Commission-free purchases abroad and no foreign transaction fees
  • 0.5% cashback on all purchases in pounds sterling
  • Nationwide current account customers only
more info
26
 months
0% interest on transfers
2.4%
Transfer fee
15.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

Sainsbury's Bank Nectar Balance Transfer Credit Card

2015 award winner
Reward No Annual Fee

Sainsbury's Bank Nectar Balance Transfer Credit Card

Features
  • 34 months 0% on balance transfers
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • 2.89% transfer fee (first 3 months), 3% thereafter
more info
34
 months
0% interest on transfers
2.89%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).

Santander Credit Card

0% Purchase

Santander Credit Card

Features
  • Get the best of both worlds with 0% on balance transfers and purchases
  • Manage your account online or with the mobile app
  • No annual fee or balance transfer fee
more info
15
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

No Balance Transfer Fee Tesco Clubcard Credit Card

2015 award winner
Reward Instant Decision

No Balance Transfer Fee Tesco Clubcard Credit Card

Features
  • 1 Clubcard point for every £4 spent in Tesco
  • Online application decision in 60 seconds
more info
18
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco Bank Clubcard Credit Card for 28m Balance Transfer

2015 award winner
Reward

Tesco Bank Clubcard Credit Card for 28m Balance Transfer

Features
  • 1 Clubcard point for every £4 spent in Tesco
  • Online application decision in 60 seconds
more info
28
 months
0% interest on transfers
1.49%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco Bank Clubcard Credit Card for 35m Balance Transfer

2015 award winner
Reward Instant Decision

Tesco Bank Clubcard Credit Card for 35m Balance Transfer

Features
  • 1 Clubcard point for every £4 spent in Tesco
  • Online application decision in 60 seconds
more info
35
 months
0% interest on transfers
2.7%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

Barclaycard Platinum 24 Month Low Fee Balance Transfer

reduced fee offer No Annual Fee

Barclaycard Platinum 24 Month Low Fee Balance Transfer

Features
  • Barclaycard's lowest transfer fee card Online account management, paper statements available on request
  • 0% interest on purchases in first 6 months
more info
24
 months
0% interest on transfers
1.15%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have an income of £20,000 or more
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Barclaycard Hilton HHonors Platinum

Reward No Annual Fee

Barclaycard Hilton HHonors Platinum

Features
  • 2500 points for first 4 Hilton hotel stays (terms apply)
  • 3 points for every £1 spent at Hilton hotels
  • 2 points for £1 spent elsewhere
more info
15
 months
0% interest on transfers
2.99%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 21 or older
  • have an income of £20,000 or more
  • have a good credit rating
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Santander 123 Credit Card MasterCard

Featured card 0% Purchase Cashback

Santander 123 Credit Card MasterCard

Features
  • First year fee-free if you have or open a 123 Current Account, otherwise £24 annual fee
  • Up to 3% cashback available
  • Get up to three additional cards for family members
more info
23
 months
0% interest on transfers
0.0%
Transfer fee
16.5% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Representative example: When you spend £1,200 at a rate of 12.7% (variable) per annum, with a £24 annual fee, your representative APR is 16.5% APR (variable).

Post Office Matched Credit Card

0% Purchase No Annual Fee

Post Office Matched Credit Card

Features
  • No foreign transaction fees
  • No cash advance fee when you purchase Post Office Travel Money
  • Free purchase protection insurance
more info
16
 months
0% interest on transfers
2.89%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • be a UK resident
  • have a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Fluid 33 Month Balance Transfer Card

eligibility check Money Transfer No Annual Fee

Fluid 33 Month Balance Transfer Card

Features
  • Eligibility check - find out if you qualify without affecting your credit rating
  • Manage your account online, by text or with your phone
  • Fraud protection monitors your account for suspicious activity
more info
33
 months
0% interest on transfers
2.88%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit history
  • no balance transfers from Fluid Money or MBNA credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Clydesdale Bank Gold MasterCard

new release 0% Purchase No Annual Fee

Clydesdale Bank Gold MasterCard

Features
  • Get the best of both worlds with 0% on balance transfers and purchases
  • 0% interest on purchases in first 20 months
  • MasterCard SecureCode for safer online shopping
more info
12
 months
0% interest on transfers
3.0%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Yorkshire Bank Gold MasterCard

new release 0% Purchase No Annual Fee

Yorkshire Bank Gold MasterCard

Features
  • Get the best of both worlds with 0% on balance transfers and purchases
  • 0% interest on purchases in first 20 months
  • MasterCard SecureCode for safer online shopping
more info
12
 months
0% interest on transfers
3.0%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Sainsburys Nectar Purchase Card

2015 award winner
0% Purchase Reward

Sainsburys Nectar Purchase Card

Features
  • Collect 2 points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • No cash advance fee on Sainsbury’s Travel Money purchases
more info
19
 months
0% interest on transfers
3.0%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • have a permanent UK address
  • be over 18 years of age
  • not have been declined for credit in the last month
  • not have a history of bad credit
  • not be an existing Sainsbury's Bank Credit Card holder
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

2015 award winner
new release 0% Purchase Reward

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

Features
  • 1 Clubcard point for every £4 spent in each purchase transaction - in and out of Tesco
  • Online application decision in 60 seconds
more info
12
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Fluid 35 Month Balance Transfer Card

new release Money Transfer No Annual Fee

Fluid 35 Month Balance Transfer Card

Features
  • Eligibility check - find out if you qualify without affecting your credit rating
  • Manage your account online, by text or with your phone
  • Fraud protection monitors your account for suspicious activity
more info
35
 months
0% interest on transfers
3.1%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit history
  • no balance transfers from Fluid Money or MBNA credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco 33 month Balance Transfer Clubcard Credit Card

2015 award winner
new release Reward No Annual Fee

Tesco 33 month Balance Transfer Clubcard Credit Card

Features
  • 1 Clubcard point for every £4 spent at Tesco
  • Online application decision in 60 seconds
more info
33
 months
0% interest on transfers
2.5%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Barclaycard 28 Month Balance Transfer Visa

new release No Annual Fee

Barclaycard 28 Month Balance Transfer Visa

Features
  • Pay 1.35% transfer fee for 28 months 0% on balance transfer
  • Online account management as standard
more info
28
 months
0% interest on transfers
1.35%
Transfer fee
18.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have an income of £20,000 or more
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

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uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Compare 0% balance transfer credit cards

About balance transfer cards

A credit card balance transfer simply means moving your credit card debt from one card to another. However, balance transfer credit cards come with a 0% interest offer, allowing you to pay off your debt without the interest.

It’s often a good way to save money on the cost of paying back credit card debt, with many credit card providers offering new customers an interest-free period on the amount being transferred.

It can also be a good way to consolidate your debts from multiple credit cards into one manageable repayment plan.

Balance transfer credit cards in our comparison table are displayed by the duration of the 0% balance transfer offers and include the cost of the transfer (handling fee) and the APR that kicks in once the introductory offer comes to an end.

The transfer fee is usually around 3% of the debt being transferred but this varies depending on the credit card. Some credit cards will include 0% on money transfers, allowing you to pay off debt from other areas, including your bank overdraft for example.

If you want to compare balance transfer credit cards then read on for our five top tips to help you find the right credit card deal for you from the comparison table above.

Five top tips for credit card balance transfer offers

A balance transfer credit card allows you to transfer debt from one credit card to one with a 0% introductory deal. This means you can pay off your debt over a longer period without worrying about paying extra in interest repayments.

Playing the balance transfer game could save you a fortune in credit card interest rate payments, provided you stick to a few basic rules. Read on for our top five credit card balance transfer offers tips to help you compare and find the best balance transfer credit cards on the market.

1. Know how long the 0% balance transfer offer lasts

Credit card balance transfer offers don’t last forever so when you transfer your credit card balance to a new card, always make a note of when the introductory 0% interest rate ends. This means you can calculate how much you’ll need to pay back each month to complete your repayments within the 0% interest period. When the period is up, credit cards with 0% interest will revert to a more expensive standard rate, so make sure you keep on top of this.

If you haven’t paid off your balance by the time the 0% period is up, it might be a good idea to switch to another 0% balance transfer deal.

Start looking for your new card about six weeks before your deal is due to end to allow plenty of time to arrange your next transfer.

2. Double check the rate

The rate you see advertised isn’t necessarily the rate you will get. Credit card providers only have to give the typical APR they advertise to around 50% of successful applicants – this means that if you’ve had credit problems in the past, you may be given a higher APR.

Check that the rate you see advertised is the rate you will actually get to avoid a shock when your first statement arrives.

3. See what the 0% rate covers

Credit cards with long 0% rates on balance transfers often have much shorter 0% deals on purchases – for example, a card with 0% on transfers for over 20 months may only give 0% on spending for three or six months.

Make sure you know what rates you’ll be paying on other credit card use, not just transfers. However, you’ll want to avoid making extra purchases if you have a large debt to pay off over the 0% interest period. Generally it’s better to have your balance transfer credit card just for balance transfers, but it’s certainly worth knowing its other uses just in case you need them.

Some balance transfer credit cards will also include a money transfer option, which allows you to pay money from your credit card into your current account and pay off overdraft debt, not just credit card debt. These 0% credit card deals will also come with a handling fee, usually around 4% but this will vary from provider to provider. Such credit cards can be vital for consolidating debt from a variety of areas, so could be worth considering if you have debt elsewhere and not just from your credit card.

4. Don't spend on your 0% balance transfer card

Balance transfer credit cards are always best for easing the pain of existing debt – start spending on the card and you risk ending up in deeper trouble.

The best advice would be not to spend on a card after transferring a balance to it. Instead, take out a separate card with a long 0% on purchases deal, or look for a card offering a good 0% deal on both purchases and transfers. If you know you can pay off the balance within the 0% interest period, including any extra purchases you make, then a credit card with a length 0% purchases and 0% balance transfer deal could work for you.

5. Check the balance transfer fee

Most credit card providers charge a balance transfer fee of around 3% when you shift your debt from one card to another, though this varies between cards and providers.

Consider whether paying a fee might outweigh the benefits of a 0% deal - balance transfers on credit cards with a low APR could be cheaper in the long run than doing so on 0% APR credit cards deals. It all comes down to individual circumstances and preferences, so check you have the facts before looking for the best credit cards for balance transfers.

The handling fee, or cost of the transfer will rise with the amount you transfer and is part of the deal of getting a 0% balance transfer deal. Some credit cards will offer a discount on the initial balance transfer fee provided you meet their terms and conditions, which usually includes paying off your balance on time each month.

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