Promotion

Longest 0% balance transfer offer – 34 months

  • Pay 0% interest on your debt for 34 months
  • 2.99% balance transfer fee

18.9% APR Representative (variable)

Compare 0% balance transfer credit cards

Compare balance transfer credit cards with uSwitch - 0% balance transfer credit cards deals for up to 34 months.


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Barclaycard Platinum 34 Month Balance Transfer Visa
most popular market leading 0% Balance Transfer No Annual Fee

Barclaycard Platinum 34 Month Balance Transfer Visa

  • 34 months 0% on balance transfers
  • 2.99% balance transfer fee
  • 9 months 0% on purchases
more info
18.9% APR
Representative (variable)
9 months
0% interest on purchases
34 months
0% interest on transfers
2.99 %
transfer fee
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 33 Month Balance Transfer Visa
0% Balance Transfer No Annual Fee

Barclaycard Platinum 33 Month Balance Transfer Visa

  • 33 months 0% on balance transfers
  • 2.79% balance transfer fee after refund from 3.5%
  • 9 months 0% on purchases
more info
18.9% APR
Representative (variable)
9 months
0% interest on purchases
33 months
0% interest on transfers
2.79 %
transfer fee
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

  • 14 months 0% on purchases
  • 23 months 0% on balance transfers
  • 2.49% balance transfer fee
more info
18.9% APR
Representative (variable)
14 months
0% interest on purchases
23 months
0% interest on transfers
2.49 %
transfer fee
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

  • For people with limited, but good credit history
  • 0% on balance transfers for 18 months
  • 2.9% balance transfer fee
  • 0% on purchases for 3 months
more info
24.9% APR
Representative (variable)
3 months
0% interest on purchases
18 months
0% interest on transfers
2.9 %
transfer fee
Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable).
Bank of Scotland Platinum Online 18 Month Balance Transfer MasterCard
new release 0% Balance Transfer 0% Purchase

Bank of Scotland Platinum Online 18 Month Balance Transfer MasterCard

  • 18 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% thereafter
  • 16 months 0% on purchases
more info
18.9% APR
Representative (variable)
16 months
0% interest on purchases
18 months
0% interest on transfers
2.0 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Bank of Scotland Platinum 33 Month Balance Transfer
0% Balance Transfer

Bank of Scotland Platinum 33 Month Balance Transfer

  • 33 months 0% on balance transfers made in first 90 days
  • 2.85% transfer fee for the first 3 months, 3% thereafter (the 3% initial fee applies, LBG will refund 0.2% within 90 days)
  • 6 months 0% on purchases
more info
18.9% APR
Representative (variable)
6 months
0% interest on purchases
33 months
0% interest on transfers
2.85 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Halifax All in One
0% Balance Transfer 0% Purchase

Halifax All in One

  • 19 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% thereafter
  • 16 months 0% on purchases
more info
18.9% APR
Representative (variable)
16 months
0% interest on purchases
19 months
0% interest on transfers
2.0 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Halifax 33 Month Balance Transfer Credit Card
0% Balance Transfer

Halifax 33 Month Balance Transfer Credit Card

  • 33 months 0% on balance transfers
  • 2.8% balance transfer fee in the first 90 days after refund
  • 6 months 0% on purchases
more info
18.9% APR
Representative (variable)
6 months
0% interest on purchases
33 months
0% interest on transfers
2.8 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Halifax 15 Month Balance Transfer
0% Balance Transfer 0% Purchase

Halifax 15 Month Balance Transfer

  • 15 months 0% on balance transfers made in first 90 days
  • 0.8% transfer fee (first 3 months), 3% thereafter
  • 15 months 0% on purchases
  • Halifax Secure cover against online fraud and transactions
more info
17.9% APR
Representative (variable)
15 months
0% interest on purchases
15 months
0% interest on transfers
0.8 %
transfer fee
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
MBNA Everyday Credit Card Visa
0% Balance Transfer 0% Purchase Money Transfer No Annual Fee

MBNA Everyday Credit Card Visa

  • 15 months 0% on card purchases
  • 21 months 0% on balance transfers made in the first 60 days (1.5% fee)
  • 21 months 0% on money transfers made in the first 60 days (4% fee)
more info
15.9% APR
Representative (variable)
15 months
0% interest on purchases
21 months
0% interest on transfers
1.5 %
transfer fee
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
Halifax 10 Month Balance Transfer and Purchase Credit Card MasterCard
0% Balance Transfer 0% Purchase

Halifax 10 Month Balance Transfer and Purchase Credit Card MasterCard

  • 10 months 0% on balance transfers made in first 90 days
  • 0.4% transfer fee (first 3 months), 3% thereafter
  • 10 months 0% on purchases
more info
18.9% APR
Representative (variable)
10 months
0% interest on purchases
10 months
0% interest on transfers
0.4 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Fluid 29 Month Balance Transfer Visa Card
eligibility check 0% Balance Transfer Money Transfer

Fluid 29 Month Balance Transfer Visa Card

  • 0% on balance transfers for 29 months
  • 0% on money transfers for 29 months
  • 0% on purchases for 3 months
  • Pre-application eligibility technology protects your credit rating
more info
18.9% APR
Representative (variable)
3 months
0% interest on purchases
29 months
0% interest on transfers
2.9 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
Lloyds Bank Platinum 10 Month Balance Transfer Card
0% Balance Transfer 0% Purchase

Lloyds Bank Platinum 10 Month Balance Transfer Card

  • 0 months 0% on balance transfers made in first 90 days
  • 0.4% transfer fee (first 3 months), 3% thereafter
  • 10 months 0% on purchases
more info
18.9% APR
Representative (variable)
10 months
0% interest on purchases
10 months
0% interest on transfers
0.4 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
Fluid Low Fee Balance Transfer Card
0% Balance Transfer Money Transfer

Fluid Low Fee Balance Transfer Card

  • Low balance transfer fee
  • 3 months 0% on purchases
  • Pre-application eligibility technology protects your credit rating
more info
19.9% APR
Representative (variable)
3 months
0% interest on purchases
10 months
0% interest on transfers
0.35 %
transfer fee
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
MBNA Platinum Credit Card Visa
eligibility check new release 0% Balance Transfer Money Transfer

MBNA Platinum Credit Card Visa

  • 32 months 0% on balance transfers made in the first 60 days (2.69% fee)
  • 32 months 0% on money transfers made in the first 60 days (4% fee)
  • 3 months 0% on purchases
more info
18.9% APR
Representative (variable)
3 months
0% interest on purchases
32 months
0% interest on transfers
2.69 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
Lloyds Bank Platinum 33 Month BT MasterCard
0% Balance Transfer

Lloyds Bank Platinum 33 Month BT MasterCard

  • 33 months 0% on balance transfers made in first 90 days
  • 2.85% transfer fee in the first 3 months, 3% thereafter (3% initial fee applies, LBG will then refund 0.20% within 90 days)
  • 6 months 0% on new purchases
more info
18.9% APR
Representative (variable)
6 months
0% interest on purchases
33 months
0% interest on transfers
2.85 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
Nationwide Credit Card with Balance Transfer
2014 award winner 0% Balance Transfer Travel

Nationwide Credit Card with Balance Transfer

  • 26 months 0% on balance transfers
  • 2.4% balance transfer fee
  • 3 months 0% on purchases
  • Commission-free allowance abroad
more info
17.9% APR
Representative (variable)
3 months
0% interest on purchases
26 months
0% interest on transfers
2.4 %
transfer fee
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

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent
  • Double Avios in your first 6 months
  • No foreign transaction fees
  • £24 annual fee
more info
23.7% APR
Representative (variable)
16 months
0% interest on purchases
18 months
0% interest on transfers
3.0 %
transfer fee
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).
Lloyds Bank Choice Rewards Amex/MasterCard
0% Balance Transfer 0% Purchase Reward

Lloyds Bank Choice Rewards Amex/MasterCard

  • Double rewards for the first 6 months on Amex cards
  • Turn points into cashback, vouchers or Avios
  • £24 annual fee
more info
23.7% APR
Representative (variable)
16 months
0% interest on purchases
18 months
0% interest on transfers
3.0 %
transfer fee
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
2014 award winner 0% Balance Transfer Travel

Nationwide Balance Transfer Low Fee

  • 15 months 0% on balance transfers
  • Low 0.65% Balance Transfer fee (within 3 months)
  • 3 months 0% on purchases
  • Commission-free allowance abroad
more info
17.9% APR
Representative (variable)
3 months
0% interest on purchases
15 months
0% interest on transfers
0.65 %
transfer fee
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
0% Balance Transfer 0% Purchase Reward Travel Airline

Lloyds Bank Premier Avios Rewards Amex/MasterCard

  • 1.5 Avios for every £1 spent
  • Double Avios in your first 6 months
  • No foreign transaction fees
  • £140 annual fee
more info
52.1% APR
Representative (variable)
16 months
0% interest on purchases
18 months
0% interest on transfers
3.0 %
transfer fee
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
2014 award winner 0% Balance Transfer 0% Purchase Cashback

Nationwide Select Low Balance Transfer Fee Visa

  • Nationwide current account customers only
  • 15 months 0% on purchases
  • 15 months 0% on balance transfers (0.55% fee)
  • 0.5% cashback on all purchases
  • No foreign transaction fees
  • No annual fee
more info
15.9% APR
Representative (variable)
15 months
0% interest on purchases
15 months
0% interest on transfers
0.55 %
transfer fee
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
Nationwide Select Credit Card
2014 award winner 0% Balance Transfer 0% Purchase Travel Cashback

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 15 months 0% on purchases
  • 26 months 0% on balance transfers (2.4% fee)
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
  • No annual fee
more info
15.9% APR
Representative (variable)
15 months
0% interest on purchases
26 months
0% interest on transfers
2.4 %
transfer fee
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 Credit Card
0% Balance Transfer 0% Purchase Reward No Annual Fee

Sainsbury's Bank Nectar Credit Card

  • 18 months 0% on purchases & balance transfers (3% fee)
  • Double Nectar points on Sainsbury's shopping
  • 1 Nectar point for every £5 spent everywhere else
more info
18.9% APR
Representative (variable)
18 months
0% interest on purchases
18 months
0% interest on transfers
3.0 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% 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

  • 33 months 0% on balance transfers
  • Double Nectar points on Sainsbury's shopping
  • 2.89% transfer fee (first 3 months), 3% thereafter
more info
18.9% APR
Representative (variable)
6 months
0% interest on purchases
33 months
0% interest on transfers
2.89 %
transfer fee
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

  • 15 months 0% on purchases and balance transfers
  • 15 months 0% balance transfer fee, 3% thereafter
more info
18.9% APR
Representative (variable)
15 months
0% interest on purchases
15 months
0% interest on transfers
0.0 %
transfer fee
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% Balance Transfer 0% Purchase Cashback

Santander 123 Credit Card MasterCard

  • 23 months 0% on purchases and balance transfers
  • 23 months 0% transfer fee, 3% thereafter
  • 3% cashback on petrol and National Rail and TFL purchases
  • 2% cashback at major department stores
  • 1% cashback at major supermarkets
  • First year fee-free if you have, or open, a 123 Current Account. Otherwise £24 annual fee
more info
16.5% APR
Representative (variable)
23 months
0% interest on purchases
23 months
0% interest on transfers
0.0 %
transfer fee
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).
No Balance Transfer Fee Tesco Clubcard Credit Card
2014 award winner market leading 0% Balance Transfer 0% Purchase Reward Instant Decision

No Balance Transfer Fee Tesco Clubcard Credit Card

  • No balance transfer fee
  • 12 months 0% on purchases & balance transfers (0% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • 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
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 25m Balance Transfer
2014 award winner 0% Balance Transfer Reward

Tesco Bank Clubcard Credit Card for 25m Balance Transfer

  • 25 months 0% on balances transfers (1.99% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • Application decision in 60 seconds
more info
18.9% APR
Representative (variable)
3 months
0% interest on purchases
25 months
0% interest on transfers
1.99 %
transfer fee
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 33m Balance Transfer
2014 award winner 0% Balance Transfer Reward Instant Decision

Tesco Bank Clubcard Credit Card for 33m Balance Transfer

  • 33 months 0% on balance transfers (2.9% fee)
  • Up to 5 Clubcard points for every £4 spent at Tesco
  • 1 Clubcard point for every £4 you spend everywhere else
  • Application decision in 60 seconds
more info
18.9% APR
Representative (variable)
3 months
0% interest on purchases
33 months
0% interest on transfers
2.9 %
transfer fee
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

  • 13 months 0% on purchases
  • 13 months 0% on balance transfers (1% fee)
  • 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
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

  • 28 months 0% on balance transfers
  • 3% balance transfer fee
more info
18.9% APR
Representative (variable)
3 months
0% interest on purchases
28 months
0% interest on transfers
3.0 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
TSB Online Platinum 15 Month BT MasterCard
0% Balance Transfer

TSB Online Platinum 15 Month BT MasterCard

  • 15 months 0% on balance transfers
  • 0.8% transfer fee (first 3 months), 3% thereafter
more info
17.9% APR
Representative (variable)
3 months
0% interest on purchases
15 months
0% interest on transfers
0.8 %
transfer fee
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
Barclaycard Platinum 24 Month Low Fee Balance Transfer
new release reduced fee offer 0% Balance Transfer No Annual Fee

Barclaycard Platinum 24 Month Low Fee Balance Transfer

  • 0% interest on balance transfer for 2 years from account opening
  • 2% balance transfer fee will be reduced to 1.25% 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
1.25 %
transfer fee
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
new release 0% Balance Transfer Reward No Annual Fee

Barclaycard Hilton HHonors Platinum

  • 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
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.