Compare 0% Balance Transfer Credit Cards

Compare balance transfer credit cards with uSwitch - 0% balance transfer deals for up to 26 months.

A credit card balance transfer simply means moving your credit card debt from one card to another.

It's often a good way to save money, as many credit card providers offer new customers an interest-free period on the amount being transferred.

Cards are displayed by the duration of the 0% balance transfer offer.

Compare 0% balance transfer cards: Sort by:		Transfer interest free period	Transfer fee	Representative APR (variable)
1	Barclaycard Platinum with 27 Months Balance Transfer 0% interest on balance transfers for 27 months from account opening (3.5% handling fee applies) 0% interest on purchases for 6 months from account opening	27mths 0% interest on transfers	3.5% transfer fee	18.9% Representative APR (variable)
1	More information Rewards Travel Service Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card. More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: £20,000 Min age is 21 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
2	RBS Platinum Credit Card MasterCard An RBS credit card with a competitive 0% balance transfer period (2.65% fee, min £5). 0% interest on purchases for 6 months.	26mths 0% interest on transfers	2.65% transfer fee	18.9% Representative APR (variable)
2	More information Rewards Travel and/or Hotel Savings 10% off UK short breaks with Superbreak. Travel Service Up to 6% discount. RBS Travel Service operated by Thomas Cook More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: £10,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
3	NatWest Platinum with Balance Transfer A NatWest credit card with a lengthy 2 years 0% balance transfer period (2.65% fee, min £5). 0% interest on purchases for 6 months. Save money with a range of retailers when you spend.	26mths 0% interest on transfers	2.65% transfer fee	18.9% Representative APR (variable)
3	More information Rewards Travel Service Up to 6% discount. NatWest Travel Service operated by Thomas Cook More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: £10,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
4	Virgin Money Credit Card MasterCard 0% interest on balance transfers for 26 months and 0% interest on purchases for 6 months Choose the colour of your credit card from red, silver, purple or black	26mths 0% interest on transfers	2.99% transfer fee	17.9% Representative APR (variable)
4	More information More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: none Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
5	Barclaycard Platinum with 25 Months Balance Transfer 0% on transfers for 25 months. Transfer fee is reduced from 3.5% to 2.4%. 0% interest on purchases for the first 6 months.	25mths 0% interest on transfers	2.4% transfer fee	18.9% Representative APR (variable)
5	More information Rewards Travel Service Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card. More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: £20,000 Min age is 21 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
6	Halifax Balance Transfer Credit Card Over 2 years 0% interest on balance transfers. Transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products. 3% balance transfer fee reduced to 2.5% (via a 0.5% refund) 0% on purchases for 3 months.	25mths 0% interest on transfers	2.5% transfer fee	18.9% Representative APR (variable)
6	More information More details 0% on purchases for 3 months No card fee Can I get this card? Not available to existing customers Min income required: none Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
7	Most popular! Tesco Bank Clubcard Credit Card for Balance Transfer 25 months 0% interest on balance transfers and 3 months 0% interest on purchases Earn Clubcard points on all your spending - 1 point awarded per £4 spent	25mths 0% interest on transfers	2.9% transfer fee	16.9% Representative APR (variable)
7	More information Rewards 5 points awarded per £4 spent in Tesco Stores and on fuel at Tesco Petrol Filling Stations (excludes Esso Fuel). 1 point awarded per £4 spent elsewhere. 1 point awarded per £4 spent in each purchase transaction (£4 min). Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Cardholders can take advantage of Tesco's exclusive Buy Now Pay Later offers through Tesco Direct, whereby upon purchasing selected items over £250 with the Tesco Credit Card there is the potential to receive 0% interest free for 6 months on that purchase. Travel and/or Hotel Savings No cash advance fee and no handling fee on Tesco Travel Money and 0% commission on non-Sterling Travellers Cheques. More details 0% on purchases for 3 months No card fee Can I get this card? Not available to existing customers Min income required: £5,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).
8	Nationwide Building Society Credit Card with Balance Transfer 0% on balance transfers for 20 months. 0% interest on purchases for the first 3 months. A low rate of 15.9% APR Representative (variable). Commission-free purchases abroad when you build up your allowance through spend in UK sterling.	20mths 0% interest on transfers	3.1% transfer fee	15.9% Representative APR (variable)
8	More information Rewards Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission. Simply Rewards, provides discounts and deals when using Nationwide Visa credit card. More details 0% on purchases for 3 months No card fee Can I get this card? Not available to existing customers Min income required: £5,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).
9	Nationwide Building Society Select Credit Card Low APR of 12.9%. Nationwide credit card perks include commission-free purchases abroad and 0.5% cashback on pound sterling purchases. Only available to Nationwide FlexAccount customers.	20mths 0% interest on transfers	3.1% transfer fee	12.9% Representative APR (variable)
9	More information Rewards Simply Rewards, provides discounts and deals when using Nationwide Visa credit card More details 0% on purchases for 12 months No card fee Can I get this card? Is available to existing customers Min income required: £5,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).
10	MBNA Everyday Credit Card Visa 0% on balance transfers for 18 months from account opening (with a low 1.99% handling fee). 0% on card purchases for 8 months.	18mths 0% interest on transfers	1.99% transfer fee	12.9% Representative APR (variable)
10	More information More details 0% on purchases for 8 months No card fee Can I get this card? Not available to existing customers Min income required: none Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).
11	Barclaycard Platinum 18 Month Balance Transfer Visa Designed for people with a limited credit history 0% interest on balance transfers for 18 months from account opening(2.9% handling fee applies) You are unlikely to be accepted if you have defaulted on a payment or received a CCJ in the last 2 years	18mths 0% interest on transfers	2.9% transfer fee	24.9% Representative APR (variable)
11	More information Rewards Travel Service Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card. More details 0% on purchases for 3 months No card fee Can I get this card? Not available to existing customers Min income required: £20,000 Min age is 21 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your Representative APR is 24.9% APR (variable).
12	Santander Credit Card A Santander credit card aimed at transferring balances from other cards. 0% on transfers for 17 months. 0% on purchases for the first 3 months.	17mths 0% interest on transfers	3% transfer fee	17.9% Representative APR (variable)
12	More information More details 0% on purchases for 3 months No card fee Can I get this card? Not available to existing customers Min income required: £7,500 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
13	Barclaycard Platinum with Low Transfer Fee 0% on balance transfers for 16 months. A very low fee of 1.5% (was 1.6%) when you transfer. 0% interest on purchases for 3 months.	16mths 0% interest on transfers	1.5% transfer fee	18.9% Representative APR (variable)
13	More information Rewards Travel Service Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card. More details 0% on purchases for 3 months No card fee Can I get this card? Not available to existing customers Min income required: £20,000 Min age is 21 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
14	The AA Balance Transfer Credit Card Visa Primarily a balance transfer card, offering 0% on balance transfers for 16 months. Like other AA credit cards, the card gives AA reward points on all card purchases.	16mths 0% interest on transfers	2.9% transfer fee	17.9% Representative APR (variable)
14	More information Rewards Applies to all card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases. Reward points can be redeemed at any time on a range of products and services from AA, motoring and travel products, shopping vouchers and cash back. Points are worth more if redeemed on AA products. Spend £50 on fuel and £100 on supermarket and other shopping a week, earn 5,200 points a year, which can equal over £25 cash back or over £100 of AA products. More details 0% on purchases for 3 months No card fee Can I get this card? Not available to existing customers Min income required: £20,000 Min age is 23 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
15	Halifax All in One Credit Card Multi-purpose Halifax credit card offering 0% on purchases for up to 15 months. 0% on balance transfers for up to 15 months. Limited Offer. 3% balance transfer fee was reduced to 1% (via a 2% refund). Apply before 25 June.	15mths 0% interest on transfers	1% transfer fee	17.9% Representative APR (variable)
15	More information More details 0% on purchases for 15 months No card fee Can I get this card? Not available to existing customers Min income required: none Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).
16	RBS YourPoints World MasterCard 15 months 0% interest on purchases 15 months 0% interest on balance transfers Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account	15mths 0% interest on transfers	2.9% transfer fee	16.9% Representative APR (variable)
16	More information Rewards Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter. 9 months double points from account opening. Travel and/or Hotel Savings 10% off UK short breaks with Superbreak Travel Service Up to 6% discount. RBS Travel Service operated by Thomas Cook More details 0% on purchases for 15 months No card fee Can I get this card? Not available to existing customers Min income required: £10,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).
17	NatWest YourPoints World MasterCard 15 months 0% interest on purchases 15 months 0% interest on balance transfers Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account	15mths 0% interest on transfers	2.9% transfer fee	16.9% Representative APR (variable)
17	More information Rewards Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter. 9 months double points from account opening. Travel Service Up to 6% discount. NatWest Travel Service operated by Thomas Cook More details 0% on purchases for 15 months No card fee Can I get this card? Not available to existing customers Min income required: £10,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).
18	Sainsbury's Bank Nectar Credit Card The Nectar credit card is primarily a reward card offering Nectar points on Sainsbury's shopping. 0% on balance transfers for 15 months. 0% interest on purchases for 6 months.	15mths 0% interest on transfers	3% transfer fee	17.9% Representative APR (variable)
18	More information Rewards Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase. For the first 3 months from account opening earn extra 6 points per £1 spent in Sainsbury's stores on the first £1,000 of qualifying spend per month. More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: none Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).
19	Sainsbury's Bank Cashback Credit Card Top cashback card offering 5% cashback on Sainsbury's shopping for the first 3 months. 0% on balance transfers for 15 months. 0% interest on purchases for 6 months.	15mths 0% interest on transfers	3% transfer fee	17.9% Representative APR (variable)
19	More information More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: none Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).
20	Post Office Platinum MasterCard With 0% interest on balance transfers for 14 months. No charges for overseas purchases. No cash fee when purchasing Post Office® Travel Money.	14mths 0% interest on transfers	2.98% transfer fee	16.9% Representative APR (variable)
20	More information More details 0% on purchases for 3 months No card fee Can I get this card? Not available to existing customers Min income required: £15,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
21	Royal Bank of Scotland Platinum with Low Balance transfer fee The lowest transfer fee in the market at just 1%. 0% on balance transfers for 13 months and 0% on puchases for 6 months.	13mths 0% interest on transfers	1% transfer fee	18.9% Representative APR (variable)
21	More information Rewards Travel and/or Hotel Savings 10% off UK short breaks with Superbreak. Travel Service Up to 6% discount. RBS Travel Service operated by Thomas Cook More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: £10,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
22	NatWest Platinum with Low Balance Transfer Fee The lowest transfer fee in the market at just 1%. 0% on balance transfers for 13 months. 0% on puchases for 6 months.	13mths 0% interest on transfers	1% transfer fee	18.9% Representative APR (variable)
22	More information Rewards Travel Service Up to 6% discount. NatWest Travel Service operated by Thomas Cook More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: £10,000 Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your Representative APR is 18.9% APR (variable).
23	Barclaycard Gold Visa This Barclaycard credit card gives 0% on balance transfers for 12 months and comes with contactless payments for purchases under £20.	12mths 0% interest on transfers	2.5% transfer fee	19.9% Representative APR (variable)
23	More information Rewards Travel Service Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card. More details No card fee Can I get this card? Not available to existing customers Min income required: £17,500 Min age is 21 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).
24	Top three for Best Cashback and Rewards. M&S Credit Card 0% on purchases for 15 months. M&S rewards – earn M&S points every time you shop with your card. 12 months on balance transfers made within 60 days of account opening (2.9% fee applies, minimum £5).	12mths 0% interest on transfers	2.9% transfer fee	16.9% Representative APR (variable)
24	More information Rewards 1 point will be earned for every full £1 spent in Marks and Spencers UK stores, catalogues, internet and Outlets and Simply Food. 1 point will be earned for every £2 spent outside of Marks & Spencer. 100 points = £1 reward voucher. Bonus points will be awarded when purchasing selected merchandise advertised in the personalised rewards brochure or in stores (except Outlets). Points will be converted into reward vouchers four times a year and sent to the customers with the Loyalty statement. Remaining points will be carried over to the next collection period. Rewards vouchers can be redeemed in all Marks and Spencer's UK stores but not via catalogue or internet. Points cannot be exchanged for cash or gift vouchers. Travel and/or Hotel Savings up to 8% saving with Travel Club. No booking fee with Credit Card. More details 0% on purchases for 15 months No card fee Can I get this card? Not available to existing customers Min income required: none Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
25	The AA Balance Transfer Plus Credit Card Visa Designed for balance transfers. 6.9% fee on transfers made within the first 60 days.	0mths 6.9% interest on transfers	2% transfer fee	16.9% Representative APR (variable)
25	More information More details No card fee Can I get this card? Not available to existing customers Min income required: £20,000 Min age is 23 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
26	Lloyds TSB Advance Online MasterCard A low interest Lloyds TSB credit card geared towards shoppers. 0% on purchases for the first 6 months.	12mths 4.9% interest on transfers	3% transfer fee	11.9% Representative APR (variable)
26	More information More details 0% on purchases for 6 months No card fee Can I get this card? Not available to existing customers Min income required: none Min age is 18 Not available for customers with a CCJ
Representative example: When you spend £1,200 at a rate of 11.95% (variable) per annum, your Representative APR is 11.9% APR (variable).

Show all 0% Balance Transfer cards (6 more)

Five top tips for credit card balance transfers

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 transfers tips.

1. Know how long the 0% offer lasts

When you transfer your credit card balance to a new card, always make a note of when the introductory 0% interest rate ends. When the period is up, the credit card will revert to a more expensive standard rate.

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.

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.

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 - transferring your balance to a card with a low APR could be cheaper in the long run.

Compare 0% Balance Transfer Credit Cards

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Compare 0% balance transfer cards:

Barclaycard Platinum with 27 Months Balance Transfer

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RBS Platinum Credit Card MasterCard

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NatWest Platinum with Balance Transfer

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Virgin Money Credit Card MasterCard

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Barclaycard Platinum with 25 Months Balance Transfer

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Halifax Balance Transfer Credit Card

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Tesco Bank Clubcard Credit Card for Balance Transfer

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Nationwide Building Society Credit Card with Balance Transfer

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Nationwide Building Society Select Credit Card

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MBNA Everyday Credit Card Visa

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Barclaycard Platinum 18 Month Balance Transfer Visa

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Santander Credit Card

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Barclaycard Platinum with Low Transfer Fee

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The AA Balance Transfer Credit Card Visa

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Halifax All in One Credit Card

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RBS YourPoints World MasterCard

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NatWest YourPoints World MasterCard

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Sainsbury's Bank Nectar Credit Card

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Sainsbury's Bank Cashback Credit Card

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Post Office Platinum MasterCard

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Royal Bank of Scotland Platinum with Low Balance transfer fee

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