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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Barclaycard Platinum 36 Month Balance Transfer Visa

limited offer 0% Balance Transfer No Annual Fee

Barclaycard Platinum 36 Month Balance Transfer Visa

Features
  • 60 days to transfer balance
  • Online account management, paper statements available on request
  • £15 cashback, subject to a balance transfer of £1,000 within the first 60 days
more info
18.9% APR
Representative (variable)
6
 months
0% interest on purchases
36
 months
0% interest on transfers
2.99%
Transfer fee
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
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

limited offer 0% Balance Transfer No Annual Fee

Barclaycard Platinum 35 Month Balance Transfer Visa

Features
  • 60 days to transfer balance
  • Online account management, paper statements available
  • £15 cashback, subject to a balance transfer of £1,000 within the first 60 days
more info
18.9% APR
Representative (variable)
6
 months
0% interest on purchases
35
 months
0% interest on transfers
2.69%
Transfer fee
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
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% Balance Transfer 0% Purchase No Annual Fee

Barclaycard Platinum Purchase & Balance Transfer Visa

Features
  • 60 days to transfer balance
  • Online account management, paper statements available
more info
18.9% APR
Representative (variable)
14
 months
0% interest on purchases
23
 months
0% interest on transfers
2.49%
Transfer fee
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
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

0% Balance Transfer Credit Building No Annual Fee

Barclaycard Platinum 18 Month Balance Transfer Visa

Features
  • For people with limited but good credit history
  • 60 days to transfer balance
more info
24.9% APR
Representative (variable)
3
 months
0% interest on purchases
18
 months
0% interest on transfers
2.9%
Transfer fee
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
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

0% Balance Transfer 0% Purchase Money Transfer No Annual Fee

MBNA Everyday Credit Card Visa

Features
  • 22 months 0% on money transfers made in the first 60 days (4% fee)
  • Pre-application eligibility technology protects your credit rating
  • Card offers contactless payment
more info
18.9% APR
Representative (variable)
16
 months
0% interest on purchases
22
 months
0% interest on transfers
1.75%
Transfer fee
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
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

eligibility check reduced fee offer 0% Balance Transfer Money Transfer

MBNA Platinum Credit Card Visa

Features
  • 12 months 0% on money transfers made in the first 60 days (4% fee)
  • Pre-application eligibility technology protects your credit rating
  • Card offers contactless payment
more info
18.9% APR
Representative (variable)
35
 months
0% interest on transfers
2.79%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
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

0% Balance Transfer Travel

Nationwide Credit Card with Balance Transfer

Features
  • Commission-free allowance abroad
  • Access to exclusive rewards on big brands with Simply Rewards
  • Manage your account online and via the mobile app
more info
17.9% APR
Representative (variable)
3
 months
0% interest on purchases
26
 months
0% interest on transfers
2.4%
Transfer fee
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
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% Balance Transfer 0% Purchase Reward Travel Airline Premium Credit Cards

Lloyds Bank Avios Rewards Amex/MasterCard

Features
  • Up to 1.25 Avios for every £1 spent (double in first 6 months)
  • No foreign transaction fees
  • £24 annual fee
more info
23.7% APR
Representative (variable)
12
 months
0% interest on purchases
28
 months
0% interest on transfers
3.0%
Transfer fee
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 18.94% (variable) per annum, with a £24 monthly fee, your representative APR is 23.7% APR (variable).

Nationwide Balance Transfer Low Fee

reduced fee offer 0% Balance Transfer Travel

Nationwide Balance Transfer Low Fee

Features
  • Access to exclusive deals with Simply Rewards
  • Commission-free allowance abroad
  • Manage your account online and via the mobile app
more info
17.9% APR
Representative (variable)
3
 months
0% interest on purchases
15
 months
0% interest on transfers
0.65%
Transfer fee
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
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% Balance Transfer 0% Purchase Premium Credit Cards

Lloyds Bank Premier Avios Rewards Amex/MasterCard

Features
  • 1.5 Avios for every £1 spent (double in first 6 months)
  • No foreign transaction fees
  • £140 annual fee
more info
52.1% APR
Representative (variable)
12
 months
0% interest on purchases
28
 months
0% interest on transfers
3.0%
Transfer fee
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 18.94% (variable) per annum, with a £140 monthly fee, your representative APR is 52.1% APR (variable).

Nationwide Select Low Balance Transfer Fee Visa

reduced fee offer 0% Balance Transfer 0% Purchase Cashback

Nationwide Select Low Balance Transfer Fee Visa

Features
  • Nationwide current account customers only
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
more info
15.9% APR
Representative (variable)
15
 months
0% interest on purchases
15
 months
0% interest on transfers
0.55%
Transfer fee
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
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

0% Balance Transfer 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
17.8% APR
Representative (variable)
3
 months
0% interest on purchases
18
 months
0% interest on transfers
0.79%
Transfer fee
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 17.8% (variable) per annum, your representative APR is 17.8% APR (variable).

Nationwide Select Credit Card

0% Balance Transfer 0% Purchase Cashback Travel

Nationwide Select Credit Card

Features
  • Nationwide current account customers only
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
more info
15.9% APR
Representative (variable)
15
 months
0% interest on purchases
26
 months
0% interest on transfers
2.4%
Transfer fee
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
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

0% Balance Transfer 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
18.9% APR
Representative (variable)
6
 months
0% interest on purchases
34
 months
0% interest on transfers
2.89%
Transfer fee
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% Balance Transfer 0% Purchase

Santander Credit Card

Features
  • No annual fee
  • 56 days interest-free on purchases after the 0% period expires (provided balance is paid in full and on time each month)
more info
18.9% APR
Representative (variable)
15
 months
0% interest on purchases
15
 months
0% interest on transfers
0.0%
Transfer fee
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

market leading 0% Balance Transfer 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
18.9% APR
Representative (variable)
1
 months
0% interest on purchases
14
 months
0% interest on transfers
0.0%
Transfer fee
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 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco Bank Clubcard Credit Card for 28m Balance Transfer

0% Balance Transfer 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
18.9% APR
Representative (variable)
3
 months
0% interest on purchases
28
 months
0% interest on transfers
1.49%
Transfer fee
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 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco Bank Clubcard Credit Card for 35m Balance Transfer

most popular 0% Balance Transfer 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
18.9% APR
Representative (variable)
3
 months
0% interest on purchases
35
 months
0% interest on transfers
2.7%
Transfer fee
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 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

TSB Platinum Purchase MasterCard

0% Balance Transfer 0% Purchase

TSB Platinum Purchase MasterCard

Features
  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
more info
17.9% APR
Representative (variable)
13
 months
0% interest on purchases
13
 months
0% interest on transfers
1.0%
Transfer fee
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 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).

TSB Online Platinum 28 Month BT MasterCard

0% Balance Transfer

TSB Online Platinum 28 Month BT MasterCard

Features
  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
more info
18.9% APR
Representative (variable)
3
 months
0% interest on purchases
28
 months
0% interest on transfers
3.0%
Transfer fee
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 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).

Barclaycard Platinum 24 Month Low Fee Balance Transfer

reduced fee offer 0% Balance Transfer No Annual Fee

Barclaycard Platinum 24 Month Low Fee Balance Transfer

Features
  • 0% interest on balance transfer for 24 months from account opening
  • 2% balance transfer fee will be reduced to 1.15% by a refund (terms apply)
  • 0% interest on purchases for 6 months from account opening
more info
18.9% APR
Representative (variable)
6
 months
0% interest on purchases
24
 months
0% interest on transfers
1.15%
Transfer fee
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
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

0% Balance Transfer 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
  • Spend £750 in first 90 days get free hotel stay (terms apply)
  • 0% on balance transfers for 15 months (2.99% fee applies)
more info
18.9% APR
Representative (variable)
15
 months
0% interest on transfers
2.99%
Transfer fee
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
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

0% Purchase Cashback 0% Balance Transfer

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
more info
16.5% APR
Representative (variable)
23
 months
0% interest on purchases
23
 months
0% interest on transfers
0.0%
Transfer fee
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).

TSB Online Platinum 12 Month BT MasterCard

0% Balance Transfer

TSB Online Platinum 12 Month BT MasterCard

Features
  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
  • Overseas Emergency assistance.
more info
18.9% APR
Representative (variable)
3
 months
0% interest on purchases
12
 months
0% interest on transfers
0.25%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • be a UK resident
  • have no County Court Judgements
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Post Office Matched Credit Card

0% Balance Transfer 0% Purchase No Annual Fee

Post Office Matched Credit Card

Features
  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
more info
18.9% APR
Representative (variable)
16
 months
0% interest on purchases
16
 months
0% interest on transfers
2.89%
Transfer fee
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)
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 0% Balance Transfer Money Transfer No Annual Fee

Fluid 33 Month Balance Transfer Card

Features
  • Eligibility check without affecting your credit rating
  • Contactless payments
  • 24 month 0% on money transfers made in the first 60 days (3.99% transfer fee)
more info
18.9% APR
Representative (variable)
33
 months
0% interest on transfers
2.88%
Transfer fee
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
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% Balance Transfer 0% Purchase No Annual Fee

Clydesdale Bank Gold MasterCard

Features
  • Contactless payments under £20
  • MasterCard SecureCode for safer online shopping
more info
18.9% APR
Representative (variable)
20
 months
0% interest on purchases
12
 months
0% interest on transfers
3.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • have a permanent UK address
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 0% Balance Transfer

Yorkshire Bank Gold MasterCard

Features
  • Contactless payments under £20
  • MasterCard SecureCode for safer online shopping
more info
18.9% APR
Representative (variable)
20
 months
0% interest on purchases
12
 months
0% interest on transfers
3.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • have a permanent UK address
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

0% Balance Transfer 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
18.9% APR
Representative (variable)
19
 months
0% interest on purchases
19
 months
0% interest on transfers
3.0%
Transfer fee
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

new release 0% Balance Transfer 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
18.9% APR
Representative (variable)
12
 months
0% interest on purchases
12
 months
0% interest on transfers
0.0%
Transfer fee
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).

Fluid 35 Month Balance Transfer Card

new release 0% Balance Transfer Money Transfer No Annual Fee

Fluid 35 Month Balance Transfer Card

Features
  • Eligibility check without affecting your credit rating
  • Contactless payments
  • 12 month 0% on money transfers made in the first 60 days (4% transfer fee)
more info
18.9% APR
Representative (variable)
35
 months
0% interest on transfers
3.1%
Transfer fee
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
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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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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