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Compare 0% Balance Transfer Credit Cards

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

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Top deals Balance transfer Transfer fee APR

Barclaycard Platinum 37 Month Balance Transfer

£20 cashback

Barclaycard Platinum 37 Month Balance Transfer

  • £20 cashback if transferring at least £1000 (available until 8 February)
  • 2.19% effective balance transfer fee (initial 3.5% fee refunded to 2.19%)
  • Six months 0% on purchases
More info
37
 months
0% interest on transfers
2.19%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

  • 60 days to transfer balance
  • Online account management as standard
  • Six months 0% on purchases
More info
32
 months
0% interest on transfers
1.08%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

  • Limited offer - Only available through selected sites
  • 60 days to transfer balance
  • 20 months 0% on purchases
More info
20
 months
0% interest on transfers
0.9%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

  • Limited offer - Only available through selected sites
  • A balance transfer card for those with limited credit history
  • Three months 0% on purchases
More info
18
 months
0% interest on transfers
2.69%
Transfer fee
24.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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)
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Bank of Scotland 30 Month Balance Transfer

Bank of Scotland 30 Month Balance Transfer

  • 0% on Purchases is for the first 12 months
  • 1% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
More info
30
 months
0% interest on transfers
1.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Bank of Scotland Platinum 37 Month Balance Transfer

Bank of Scotland Platinum 37 Month Balance Transfer

  • Six months 0% on purchases
  • Manage your card online using internet and mobile banking
More info
37
 months
0% interest on transfers
2.65%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Halifax 40 Month Balance Transfer Credit Card

Halifax 40 Month Balance Transfer Credit Card

  • Only available until 15 February 2016
  • 2.95% effective balance transfer fee (initial 3% fee, 0.05% refunded within 90 days)
  • 6 months 0% on purchases
More info
40
 months
0% interest on transfers
2.95%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)

Halifax 30 Month Balance Transfer

Halifax 30 Month Balance Transfer

  • 12 months 0% on purchases
  • 1% balance transfer fee for first 90 days, 3% fee thereafter
More info
30
 months
0% interest on transfers
1.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

MBNA All Round Credit Card

0% money transfer
2015 award winner

MBNA All Round Credit Card

  • Up to 20 months 0% on balance transfers (1.5% fee) in first 60 days, 20.9% p.a. with 5 % fee thereafter
  • Up to 20 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
More info
20
 months
0% interest on transfers
1.5%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident for at least 3 years
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • no balance transfers from MBNA or Fluid Money credit cards

Additional criteria for acceptance from the lender may 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)

Lloyds Bank Online Platinum 20 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 20 Month Balance Transfer MasterCard

  • 1.5% transfer fee in first 90 days from account opening, 3% thereafter
  • 20 months 0% on purchases
More info
20
 months
0% interest on transfers
1.5%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Lloyds Bank 30 Month Balance Transfer MasterCard

Lloyds Bank 30 Month Balance Transfer MasterCard

  • 0% on purchases is for the first 12 months
  • 1% balance transfer fee applies in the first 90 days, 3% thereafter
More info
30
 months
0% interest on transfers
1.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

MBNA Platinum 37 Month Credit Card

2015 award winner

MBNA Platinum 37 Month Credit Card

  • Up to 37 months 0% on balance transfer (2.89% fee) in first 60 days, 20.9% p.a.
  • Up to 20 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
More info
37
 months
0% interest on transfers
2.89%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • no balance transfers from MBNA or Fluid Money credit cards

Additional criteria for acceptance from the lender may 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)

Lloyds Bank Platinum 37 Month BT MasterCard

Lloyds Bank Platinum 37 Month BT MasterCard

  • 37 months 0% on balance transfers made in first 90 days
  • Six months 0% on new purchases
More info
37
 months
0% interest on transfers
2.65%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

  • Double rewards for the first six months on Amex cards
  • Turn points into cashback, vouchers or Avios
  • £24 annual fee
More info
28
 months
0% interest on transfers
3.0%
Transfer fee
23.7% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Post Office Platinum MasterCard

Post Office Platinum MasterCard

  • 2.98% initial balance transfer fee refunded in the first 90 days
  • No cash advance fee when you purchase Post Office Travel Money
  • Three months 0% on purchases
More info
18
 months
0% interest on transfers
0.0%
Transfer fee
17.8% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may 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)

Nationwide Select Credit Card

2015 award winner

Nationwide Select Credit Card

  • Nationwide current account customers only
  • Commission-free purchases abroad and no foreign transaction fees
  • 15 months 0% on purchases; 0.5% cashback
More info
12
 months
0% interest on transfers
0.0%
Transfer fee
15.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards

Additional criteria for acceptance from the lender may 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)

Sainsbury's No Balance Transfer Fee Credit Card

2015 award winner

Sainsbury's No Balance Transfer Fee Credit Card

  • 2 Nectar points per £1 spent on Sainsbury's shopping & fuel when you use your Credit Card
  • 1 Nectar point per £5 spent elsewhere
More info
18
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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

Additional criteria for acceptance from the lender may 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)

Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

2015 award winner

Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

  • 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card
  • 2.89% transfer fee (first 3 months), 3% thereafter. Min £3
More info
37
 months
0% interest on transfers
2.89%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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

Additional criteria for acceptance from the lender may 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)

Santander Credit Card

Santander Credit Card

  • Get the best of both worlds with 0% on purchases and balance transfers for 15 months
  • Manage your account online or with the mobile app
  • No annual fee or balance transfer fee
More info
15
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)

No Balance Transfer Fee Tesco Clubcard Credit Card

2015 award winner

No Balance Transfer Fee Tesco Clubcard Credit Card

  • This offer is applied to any balances transferred within the first 90 days of opening your account
  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
More info
21
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)

Tesco Bank Clubcard Credit Card for 28m Balance Transfer

2015 award winner

Tesco Bank Clubcard Credit Card for 28m Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
More info
28
 months
0% interest on transfers
1.49%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)

Tesco Bank Clubcard Credit Card for 38m Balance Transfer

2015 award winner

Tesco Bank Clubcard Credit Card for 38m Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
More info
38
 months
0% interest on transfers
2.7%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)

TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
More info
20
 months
0% interest on transfers
2.95%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)

TSB Online Platinum 28 Month BT MasterCard

TSB Online Platinum 28 Month BT MasterCard

  • Comes with ClickSafe internet fraud protection
  • 0% interest on purchases in first three months
  • Manage your current and credit card account together with MoneyPlanner
More info
28
 months
0% interest on transfers
0.7%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)

Barclaycard Platinum 26 Month Low Fee Balance Transfer Credit Card

Barclaycard Platinum 26 Month Low Fee Balance Transfer Credit Card

  • Barclaycard's lowest transfer fee card
  • Online account management, paper statements available on request
  • 0% interest on purchases in first six months
More info
26
 months
0% interest on transfers
0.68%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have an income of £20,000 or more
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Barclaycard Hilton HHonors Platinum Credit Card

Barclaycard Hilton HHonors Platinum Credit Card

  • 2500 points for first 4 Hilton hotel stays (terms apply)
  • Three points for every £1 spent at Hilton hotels; two points for £1 spent elsewhere
More info
15
 months
0% interest on transfers
2.99%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Santander 123 Credit Card MasterCard

No transfer fee

Santander 123 Credit Card MasterCard

  • Limited Offer - 3% bonus cashback with Apple Pay (on spend of up to £100 per month). Only available until 29 February 2016
  • First year fee-free if you have or open a 123 Current Account, otherwise £3 monthly fee
  • 23 months 0% on purchases
More info
23
 months
0% interest on transfers
0.0%
Transfer fee
18.4% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No transfers from Santander

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 12.7% (variable) per annum, with a £36 annual fee, your representative APR is 18.4% APR (variable)

Post Office Matched Credit Card

Post Office Matched Credit Card

  • No cash advance fee when you purchase Post Office Travel Money
  • 27 months 0% on purchases and free purchase protection insurance
More info
16
 months
0% interest on transfers
2.98%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may 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)

Clydesdale Bank Gold MasterCard

Clydesdale Bank Gold MasterCard

  • 0% interest on purchases in first 20 months
  • MasterCard SecureCode for safer online shopping
More info
12
 months
0% interest on transfers
3.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards

Additional criteria for acceptance from the lender may 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)

Yorkshire Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

  • 0% interest on purchases in first 20 months
  • MasterCard SecureCode for safer online shopping
More info
12
 months
0% interest on transfers
3.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards

Additional criteria for acceptance from the lender may 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)

Sainsburys Nectar Purchase Credit Card

2015 award winner

Sainsburys Nectar Purchase Credit Card

  • 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card
  • 1 Nectar point per £5 spent on your Credit Card elsewhere
More info
18
 months
0% interest on transfers
3.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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

Additional criteria for acceptance from the lender may 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)

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

2015 award winner

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
More info
12
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)

Barclaycard 36 Month Balance Transfer Visa Credit Card

Barclaycard 36 Month Balance Transfer Visa Credit Card

  • Pay 1.99% transfer fee for 36 months 0% on balance transfer
  • 0% interest on purchases for 6 months from account opening
  • Online account management as standard
More info
36
 months
0% interest on transfers
1.99%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Virgin 38 Month Balance Transfer Credit Card

Virgin 38 Month Balance Transfer Credit Card

  • 2.49% balance transfer fee in first 60 days, 5% thereafter
  • 38 months 0% on money transfers (4% fee); Three months 0% on purchases
More info
38
 months
0% interest on transfers
2.49%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Virgin Money Transfer Card

Virgin Money Transfer Card

  • 34 months 0% on balance and money transfers; three months 0% on purchases
  • 2.29% balance transfer fee in first 60 days, 5% thereafter
More info
34
 months
0% interest on transfers
2.29%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Virgin Low Fee Balance Transfer Credit Card

Virgin Low Fee Balance Transfer Credit Card

  • 26 months 0% on balance and money transfers; 3 months 0% on purchases
  • 0.69% balance transfer fee in first 60 days, 5% thereafter
More info
26
 months
0% interest on transfers
0.69%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Virgin 32 Month Balance Transfer Credit Card

Virgin 32 Month Balance Transfer Credit Card

  • 32 months 0% on balance and money transfers; 3 months 0% on purchases
  • 0.99% balance transfer fee for transfers in first 60 days, 5% thereafter
More info
32
 months
0% interest on transfers
0.99%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Virgin All Round Credit Card

Virgin All Round Credit Card

  • 18 months 0% on balance transfers, money transfer and purchases
  • 4% money transfers fee in first 60 days, 5% thereafter
  • 2% balance transfers fee in first 60 days, 4% thereafter
More info
18
 months
0% interest on transfers
2.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Fluid Everyday Credit Card

Fluid Everyday Credit Card

  • 20 months 0% on purchases
  • 20 months 0% on money transfers made in the first 60 days (4% fee)
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
More info
20
 months
0% interest on transfers
1.55%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit history
  • no balance transfers from Fluid Money or MBNA credit cards

Additional criteria for acceptance from the lender may 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)

Virgin Money No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

  • 18 months 0% on balance and money transfers; 3 months 0% on purchases
  • 0% balance transfer fee in first 60 days, 5% thereafter
More info
18
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Halifax 23 Months Balance Transfer Credit Card

Longest 0% no fee
Longest 0% no fee

Halifax 23 Months Balance Transfer Credit Card

  • 0% transfer fee for transfers in first 90 days, 3% fee thereafter
  • Six months 0% on purchases
  • Manage your card online using Internet Banking and Mobile Banking
More info
23
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Bank of Scotland Platinum 20 Months Balance Transfer Card

Bank of Scotland Platinum 20 Months Balance Transfer Card

  • 0% fee on balance transfers within the first 90 days, 3% thereafter
  • Six months 0% on purchases
More info
20
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Bank of Scotland 21 Month Balance Transfer

Bank of Scotland 21 Month Balance Transfer

  • 2.5% fee applies on each balance transfer made in the first 90 days, 3% thereafter
  • 21 months 0% on purchases
More info
21
 months
0% interest on transfers
2.5%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Lloyds 21 Month Balance Transfer Credit Card

Lloyds 21 Month Balance Transfer Credit Card

  • 2.5% fee on balances transferred within 90 days of account opening, 3% thereafter
  • 0% on purchases for six months
More info
21
 months
0% interest on transfers
2.5%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Halifax 21 Month Balance Transfer Credit Card

Halifax 21 Month Balance Transfer Credit Card

  • 21 months 0% on purchases
  • 2.5% balance transfer fee for first 90 days, 3% fee thereafter
More info
21
 months
0% interest on transfers
2.5%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Bank of Scotland 32 Month Balance Transfer Credit Card

Bank of Scotland 32 Month Balance Transfer Credit Card

  • Six months 0% on purchases
  • 1.14% effective balance transfer fee (initial 3% fee,1.86% refunded within 90 days)
More info
32
 months
0% interest on transfers
1.14%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Lloyds 32 Month Balance Transfer Credit Card

Lloyds 32 Month Balance Transfer Credit Card

  • Six months 0% on purchases
  • 3% balance transfer fee will be reduced to 1.39% by a refund (terms apply)
More info
32
 months
0% interest on transfers
1.39%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

AA Dual Credit Card

AA Dual Credit Card

  • 24 months 0% on purchases
  • 40% off AA European breakdown cover (terms apply)
  • Add up to three additional cardholders
More info
24
 months
0% interest on transfers
2.98%
Transfer fee
19.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • must have a 'Excellent' credit rating
  • be aged 18 years or over and UK resident
  • have a current bank or building society account
  • be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
  • not have any outstanding CCJs

Additional criteria for acceptance from the lender may 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)

Virgin 40 Month Balance Transfer Credit Card

Longest 0% offer
Longest 0% offer

Virgin 40 Month Balance Transfer Credit Card

  • 0% for 40 months on money transfers (4% transfer fee)
  • 0% for 3 months on purchases
More info
40
 months
0% interest on transfers
2.89%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Capital One Balance Transfer Card

Capital One Balance Transfer Card

  • Suitable for those with bad credit histories
  • Online response in 60 seconds and £200 to £1,500 credit limit
  • Mobile app and email alerts available
More info
6
 months
0% interest on transfers
3.0%
Transfer fee
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • not been declared bankrupt in the last 12 months
  • not had any CCJs or defaults in the last 12 months
  • no transfers from Capital One

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)

Barclaycard Platinum 20 Month Balance Transfer

Barclaycard Platinum 20 Month Balance Transfer

  • Get 0% on transfers and purchases with no transfer fee
  • 2% initial balance transfer fee will be refunded
  • Six months 0% on purchases
More info
20
 months
0% interest on transfers
0.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Halifax 32 Month Balance Transfer Credit Card

Halifax 32 Month Balance Transfer Credit Card

  • 1.14% effective balance transfer fee (initial 3% fee,1.86% refunded within 90 days)
  • Manage your card online using Online Banking and Mobile Banking
More info
32
 months
0% interest on transfers
1.14%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)

Post Office Money Balance Transfer Credit Card

Post Office Money Balance Transfer Credit Card

  • 2.49% effective balance transfer fee (initial 2.98% fee refunded to 2.49%) within 90 days of transaction date
  • Three months 0% on purchases
  • No cash fee to buy travel money at the Post Office
More info
37
 months
0% interest on transfers
2.49%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.91% (variable) per annum, your representative APR is 18.9% APR (variable)

Sainsbury’s Nectar Dual Credit Card

2015 award winner

Sainsbury’s Nectar Dual Credit Card

  • 2 Nectar points per £1 spent on Sainsbury's shopping & fuel when you use your Credit Card
  • 1 Nectar point per £5 spent on your Credit Card elsewhere
More info
21
 months
0% interest on transfers
3.0%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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

Additional criteria for acceptance from the lender may 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)

AA Balance Transfer Credit Card

AA Balance Transfer Credit Card

  • No transfer fee
  • 22 months 0% on balance transfers in first 3 months
  • 40% off AA European breakdown cover (terms apply)
More info
22
 months
0% interest on transfers
0.0%
Transfer fee
19.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • must have a 'Excellent' credit rating
  • be aged 18 years or over and UK resident
  • have a current bank or building society account
  • be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
  • not have any outstanding CCJs

Additional criteria for acceptance from the lender may 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)

Virgin 32 Month Money Transfer Credit Card

Virgin 32 Month Money Transfer Credit Card

  • 32 months 0% on balance and money transfers; 3 months 0% on purchases
  • 1.69% balance transfer fee in first 60 days, 5% thereafter
More info
32
 months
0% interest on transfers
1.69%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.48% (variable) per annum, your representative APR is 18.9% APR (variable)

Virgin 36 Month Money Transfer Credit Card

Virgin 36 Month Money Transfer Credit Card

  • 0% for 36 months on money and balance transfers, with a fee of 2.39%
  • 0% for 3 months on card purchases
More info
36
 months
0% interest on transfers
2.39%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Barclaycard Platinum 28 month Balance Transfer

Barclaycard Platinum 28 month Balance Transfer

  • 0.9% effective balance transfer fee (initial 3.5% fee refunded to 0.9%)
  • 6 months 0% on purchases
More info
28
 months
0% interest on transfers
0.9%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)

Tesco Bank Clubcard Credit Card for Money Transfers

2015 award winner

Tesco Bank Clubcard Credit Card for Money Transfers

  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • 0% for 35 months on money transfers (3.94% fee)
  • 0% for 35 months on balance transfers (2.7% fee)
  • Offer applies to balances or money transferred in the first 90 days from account opening
More info
35
 months
0% interest on transfers
2.7%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)

MBNA Platinum 39 Month Credit Card

2015 award winner

MBNA Platinum 39 Month Credit Card

  • Up to 39 months 0% on balance transfer (2.98% fee) in first 60 days, 20.9% p.a. with 5% fee thereafter
  • Up to 20 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
More info
39
 months
0% interest on transfers
2.98%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • no balance transfers from MBNA or Fluid Money credit cards

Additional criteria for acceptance from the lender may 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)

Sainsbury's Bank Nectar Low Balance Transfer Fee Credit Card

2015 award winner

Sainsbury's Bank Nectar Low Balance Transfer Fee Credit Card

  • 1.5% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3).
  • 2 Nectar points per £1 spent on Sainsbury's shopping & fuel when you use your Credit Card
More info
30
 months
0% interest on transfers
1.5%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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

Additional criteria for acceptance from the lender may 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)

Virgin 36 month balance transfer credit card

Virgin 36 month balance transfer credit card

  • 0% for 36 months on money transfers, with a fee of 4%
  • 0% for 3 months on card purchases
More info
36
 months
0% interest on transfers
1.69%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)

Fluid 37 Month Balance Transfer card

Fluid 37 Month Balance Transfer card

  • 37 months 0% on balance transfers for first 60 days (2.90% fee)
  • 20 months 0% for money transfers for first 60 days (4% fee)
  • Pre-application 'apply with confidence' soft credit check
More info
37
 months
0% interest on transfers
2.9%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit history
  • no balance transfers from Fluid Money or MBNA credit cards

Additional criteria for acceptance from the lender may 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)

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

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

Frequently asked questions

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.

Typically, balance transfer cards compete on price, so the cheapest balance transfer credit cards are what you could consider to be the best, but there may be other things you’d like to take into account like reward points or 0% periods.

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.

What are 'top deals' and 'featured cards'

One way to sort our table is by ‘top deals’, whereby we highlight cards that are market leaders for particular features. For example, of all the credit cards charging no transfer fee, the one with the best overall offering might be a featured deal called ‘No transfer fee’.

We do this to highlight that it is the best in its class on uSwitch. We check these deals weekly to ensure they really are the best on uSwitch in that area, so you can rest assured that our top deals are just that - the top deals on uSwitch.

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