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.


Consolidate your debts

Use the sliders and the table will update to show you how much you could potentially save in credit card interest repayments.

Features Balance transfer Transfer fee Purchases You save
most popular market leading 0% balance transfer no annual fee
Barclaycard Platinum 34 Month Balance Transfer Visa

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
34 months 0% interest on transfers
2.99% transfer fee
9 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer 0% purchase reward no annual fee
M&S Credit Card

M&S Credit Card

  • 19 months 0% on purchases
  • 12 months 0% on balance transfers (2.9% fee) (min £5)
  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore; 0.5 M&S point per £1 spent outside of store
more info
12 months 0% interest on transfers
2.9% transfer fee
19 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
eligibility check new release 0% balance transfer money transfer
MBNA Platinum Credit Card Visa

MBNA Platinum Credit Card Visa

  • 32 months 0% on balance transfers made in the fist 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
32 months 0% interest on transfers
2.69% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase reward travel airline
Lloyds Bank Avios Rewards Amex/MasterCard

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
18 months 0% interest on transfers
3.0% transfer fee
16 months 0% interest on purchases
Apply
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).
0% balance transfer travel
Post Office Platinum MasterCard

Post Office Platinum MasterCard

  • 18 months 0% on balance transfers
  • 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
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 17.8% (variable) per annum, your representative APR is 17.8% APR (variable).
0% balance transfer
TSB Online Platinum 15 Month BT MasterCard

TSB Online Platinum 15 Month BT MasterCard

  • 15 months 0% on balance transfers
  • 0.8% transfer fee (first 3 months), 3% thereafter
more info
15 months 0% interest on transfers
0.8% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer
Halifax 33 Month Balance Transfer Credit Card

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
33 months 0% interest on transfers
2.8% transfer fee
6 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase no annual fee
Halifax 28 Month Balance Transfer

Halifax 28 Month Balance Transfer

  • 0% on Balance Transfers for the first 28 months
  • 0% on Purchases is for the first 12 months
  • 1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
more info
28 months 0% interest on transfers
1.5% transfer fee
12 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
eligibility check 0% balance transfer money transfer
Fluid 29 Month Balance Transfer Visa Card

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
29 months 0% interest on transfers
2.9% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer 0% purchase cashback travel
Nationwide Select Credit Card

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
26 months 0% interest on transfers
2.4% transfer fee
15 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
0% balance transfer reward no annual fee
Sainsbury's Bank Nectar Balance Transfer Credit Card

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
33 months 0% interest on transfers
2.89% transfer fee
6 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
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 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
12 months 0% interest on transfers
0.0% transfer fee
12 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer credit building no annual fee
Barclaycard Platinum 18 Month Balance Transfer Visa

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
18 months 0% interest on transfers
2.9% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable).
0% balance transfer reward travel airline money transfer
Emirates Skywards Credit Card

Emirates Skywards Credit Card

  • 12,000 Bonus Skyward Miles if you spend £1,000 within 90 days of account opening
  • 0% on money and balance transfers for up to 6 months from the date your account is opened, 2% handling fee
  • 0% on Emirates flights for up to 12 months from the date your account is opened
more info
6 months 0% interest on transfers
2.0% transfer fee
Apply
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer 0% purchase reward no annual fee
Sainsbury's Bank Nectar Credit Card

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 months 0% interest on transfers
3.0% transfer fee
18 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer reward instant decision
Tesco Bank Clubcard Credit Card for 33m Balance Transfer

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
33 months 0% interest on transfers
2.9% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase money transfer no annual fee
MBNA Everyday Credit Card Visa

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
21 months 0% interest on transfers
1.5% transfer fee
15 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
reward travel airline 0% balance transfer 0% purchase
Lloyds Bank Premier Avios Rewards Amex/MasterCard

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
18 months 0% interest on transfers
3.0% transfer fee
16 months 0% interest on purchases
Apply
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).
new release 0% balance transfer reward travel airline money transfer
Emirates Skywards Elite Credit Card

Emirates Skywards Elite Credit Card

  • 25,000 Bonus Skyward Miles if you spend £2,000 within 90 days of account opening
  • 0% on money and balance transfers for up to 6 months from the date your account is opened, 2% handling fee (£3 min)
  • 0% on Emirates flights for up to 12 months from the date your account is opened
more info
6 months 0% interest on transfers
2.0% transfer fee
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £150 annual fee, your representative APR is 54.9% APR (variable).
0% balance transfer
Lloyds Bank Platinum 33 Month BT MasterCard

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
33 months 0% interest on transfers
2.85% transfer fee
6 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Halifax All in One

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
19 months 0% interest on transfers
2.0% transfer fee
16 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer 0% purchase cashback
Nationwide Select Low Balance Transfer Fee Visa

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 months 0% interest on transfers
0.55% transfer fee
15 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
0% balance transfer 0% purchase no annual fee
Bank of Scotland 28 Month Balance Transfer

Bank of Scotland 28 Month Balance Transfer

  • 0% on Balance Transfers for the first 28 months
  • 0% on Purchases is for the first 12 months
  • 1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
more info
28 months 0% interest on transfers
1.5% transfer fee
12 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer travel
Nationwide Balance Transfer Low Fee

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
15 months 0% interest on transfers
0.65% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer no annual fee
Barclaycard Platinum 33 Month Balance Transfer Visa

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
33 months 0% interest on transfers
2.79% transfer fee
9 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
new release 0% balance transfer 0% purchase
Bank of Scotland Platinum Online 18 Month Balance Transfer MasterCard

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 months 0% interest on transfers
2.0% transfer fee
16 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase no annual fee
Barclaycard Platinum Purchase & Balance Transfer Visa

Barclaycard Platinum Purchase & Balance Transfer Visa

  • 14 months 0% on purchases
  • 19 months 0% on balance transfers
  • 2.49% balance transfer fee
more info
19 months 0% interest on transfers
2.49% transfer fee
14 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Lloyds Bank Online Platinum 18 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 18 Month Balance Transfer MasterCard

  • 18 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% balance thereafter
  • 16 months 0% on purchases
more info
18 months 0% interest on transfers
2.0% transfer fee
16 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer travel
Nationwide Credit Card with Balance Transfer

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
26 months 0% interest on transfers
2.4% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer
Santander 17 Month Balance Transfer Credit Card MasterCard

Santander 17 Month Balance Transfer Credit Card MasterCard

  • 17 months 0% on balance transfers
  • 0.9% balance transfer fee
more info
17 months 0% interest on transfers
0.9% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer
Santander Credit Card

Santander Credit Card

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

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
15 months 0% interest on transfers
0.8% transfer fee
15 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
2014 award winner 0% balance transfer reward
Tesco Bank Clubcard Credit Card for 25m Balance Transfer

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
25 months 0% interest on transfers
1.99% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer money transfer
Fluid Low Fee Balance Transfer Card

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
10 months 0% interest on transfers
0.35% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
0% balance transfer 0% purchase reward
Lloyds Bank Choice Rewards Amex/MasterCard

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
18 months 0% interest on transfers
3.0% transfer fee
16 months 0% interest on purchases
Apply
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).
0% balance transfer
Bank of Scotland Platinum 33 Month 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
33 months 0% interest on transfers
2.85% transfer fee
6 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
TSB Platinum Purchase MasterCard

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
13 months 0% interest on transfers
1.0% transfer fee
13 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer 0% purchase
Lloyds Bank 28 Month Balance Transfer MasterCard

Lloyds Bank 28 Month Balance Transfer MasterCard

  • 0% on Balance Transfers for the first 28 months
  • 0% on Purchases is for the first 12 months
  • 1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
more info
28 months 0% interest on transfers
1.5% transfer fee
12 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Halifax 10 Month Balance Transfer and Purchase Credit Card MasterCard

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
10 months 0% interest on transfers
0.4% transfer fee
10 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer
TSB Online Platinum 28 Month BT MasterCard

TSB Online Platinum 28 Month BT MasterCard

  • 28 months 0% on balance transfers
  • 3% balance transfer fee
more info
28 months 0% interest on transfers
3.0% transfer fee
3 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Lloyds Bank Platinum 10 Month Balance Transfer Card

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
10 months 0% interest on transfers
0.4% transfer fee
10 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this credit card comparison service.

uSwitch services are provided at no cost to you, but we may receive compensation from some of the providers.

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.