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Check your eligibility for credit cards

See if you are likely to get a credit card - it's quick, free, and won't affect your credit score.

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Barclaycard Platinum 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

2016 award winner

Barclaycard Platinum 37 Month Balance Transfer

  • 3.5% transfer fee refunded to 2.45% within 2 working days
  • Six months 0% on purchases
More info
37
 months
0% interest on transfers
2.45%
Effective fee
(3.5% initial 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

2016 award winner

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

  • 60 days to transfer balance
  • 3.5% transfer fee refunded to 0.72% within 2 working days
  • Six months 0% on purchases
More info
32
 months
0% interest on transfers
0.72%
Effective fee
(3.5% initial 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

2016 award winner

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

  • Balance transfer fee 2.5%
  • 25 months 0% on purchases
  • 60 days to transfer balance
More info
25
 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
  • 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

2016 award winner

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

  • A balance transfer card for those with limited but good credit history
  • Three months 0% on purchases
More info
18
 months
0% interest on transfers
2.99%
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 22.44% (variable) per annum, your representative APR is 24.9% APR (variable)
Bank of Scotland Platinum 39 Month Balance Transfer

Bank of Scotland Platinum 39 Month Balance Transfer

Bank of Scotland Platinum 39 Month Balance Transfer

  • Six months 0% on purchases
  • Manage your card online using internet and mobile banking
  • 3% transfer fee refunded to 2.95% within 90 days of transaction date
More info
39
 months
0% interest on transfers
2.95%
Effective fee
(3.0% initial 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

2016 award winner

Halifax 40 Month Balance Transfer Credit Card

  • 3% transfer fee refunded to 2.46% within 90 days of transaction date
  • Manage your card online using Online Banking and Mobile Banking
More info
40
 months
0% interest on transfers
2.46%
Effective fee
(3.0% initial 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)
MBNA All Round Credit Card

MBNA All Round Credit Card

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 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 24 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 24 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 24 Month Balance Transfer MasterCard

  • 2.5% transfer fee in first 90 days from account opening, 3% thereafter
  • 24 months 0% on purchases
More info
24
 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)
Lloyds Bank Platinum 39 Month BT MasterCard

Lloyds Bank Platinum 39 Month BT MasterCard

Lloyds Bank Platinum 39 Month BT MasterCard

  • 39 months 0% on balance transfers made in first 90 days
  • 3% transfer fee refunded to 2.95% within 90 days of transaction date
  • Six months 0% on new purchases
More info
39
 months
0% interest on transfers
2.95%
Effective fee
(3.0% initial 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

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
24
 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

Post Office Platinum MasterCard

  • 3 months 0% on purchases
  • No foreign transaction fees & no cash advance fee when you purchase Post Office Travel Money
More info
22
 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

Nationwide Select Credit Card

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

Sainsbury's No Balance Transfer Fee Credit Card

Sainsbury's No Balance Transfer Fee Credit Card

  • Offer only available until 27 Sept 2016
  • 5000 bonus Nectar points when you spend at least £800 (terms apply)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £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

Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

  • Offer only available until Sept 27 2016
  • Bonus 5000 Nectar points for new customers (terms apply)
  • 2.89% balance transfer fee in the first 3 months (3% thereafter, £3 minimum fee applies at all times)
More info
39
 months
0% interest on transfers
2.89%
Effective fee
(3.0% initial 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

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)
Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

  • The 0% offer applies 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
24
 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

Tesco Bank Clubcard Credit Card for 28m Balance Transfer

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
  • 0% offer is applied to any balances transferred within the first 90 days of opening your account.
More info
28
 months
0% interest on transfers
0.59%
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 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
More info
40
 months
0% interest on transfers
2.69%
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

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

TSB Online Platinum 28 Month BT MasterCard

  • Balance transfer fee applies to balances transferred within 90 days
  • Manage your credit card and current account together
More info
28
 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

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 24 Month Low Fee Balance Transfer Credit Card

Barclaycard Platinum 24 Month Low Fee Balance Transfer Credit Card

2016 award winner

Barclaycard Platinum 24 Month Low Fee Balance Transfer Credit Card

  • Barclaycard's lowest transfer fee card
  • 2% transfer fee refunded to 0.49% within 2 working days
  • 0% interest on purchases in first six months
More info
24
 months
0% interest on transfers
0.49%
Effective fee
(2.0% initial 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

2016 award winner

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

Santander 123 Credit Card MasterCard

No transfer fee

Santander 123 Credit Card MasterCard

  • 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

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

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

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

Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

  • Offer only available until 27 Sept 2016
  • 5000 bonus Nectar points when you spend at least £800 (terms apply)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent 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 Bank 12 month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 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)
Virgin 32 Month Balance Transfer Credit Card

Virgin 32 Month Balance Transfer Credit Card

2016 award winner

Virgin 32 Month Balance Transfer Credit Card

  • 32 months 0% on balance and money transfers; 3 months 0% on purchases
  • 3% balance transfer fee refunded to 0.99% after 14 days
  • 4% money transfer fee
More info
32
 months
0% interest on transfers
0.99%
Effective fee
(3.0% initial fee)
19.9% 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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin All Round Credit Card

Virgin All Round Credit Card

0% money transfer
2016 award winner

Virgin All Round Credit Card

  • 24 months 0% for balance transfers, money transfers and purchases
  • 1.9% money transfer fee in first 60 days, 5% thereafter
  • 1% balance transfer fee in first 60 days, 5% thereafter
More info
24
 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 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 No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

2016 award winner

Virgin Money No Balance Transfer Fee Credit Card

  • 0% balance transfer fee in first 60 days, 5% thereafter
  • 18 months 0% for money transfers (4% fee in first 60 days, 5% thereafter)
  • 3 months 0% on purchases
More info
18
 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:
  • 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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Halifax 24 Months Balance Transfer Credit Card

Halifax 24 Months Balance Transfer Credit Card

2016 award winner

Halifax 24 Months Balance Transfer Credit Card

  • 0% 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
24
 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

Bank of Scotland Platinum 20 Months Balance Transfer Card

  • 0% fee on balance transfers within the first 90 days, 3% thereafter
  • 6 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 24 Month Balance Transfer

Bank of Scotland 24 Month Balance Transfer

Bank of Scotland 24 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
24
 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 20 Month Balance Transfer Credit Card

Lloyds 20 Month Balance Transfer Credit Card

Lloyds 20 Month Balance Transfer Credit Card

  • 0% fee on balances transferred within 90 days of account opening, 3% thereafter
  • 0% on purchases for six months
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:
  • 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 24 Month Balance Transfer Credit Card

Halifax 24 Month Balance Transfer Credit Card

2016 award winner

Halifax 24 Month Balance Transfer Credit Card

  • 24 months 0% on purchases
  • 2.5% balance transfer fee for first 90 days, 3% fee thereafter
More info
24
 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

Bank of Scotland 32 Month Balance Transfer Credit Card

  • 12 months 0% on purchases
  • 3% transfer fee refunded to 1.13% within 90 days
More info
32
 months
0% interest on transfers
1.13%
Effective fee
(3.0% initial 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

Lloyds 32 Month Balance Transfer Credit Card

  • 12 months 0% on purchases
  • 3% transfer fee refunded to 1.13% within 90 days
More info
32
 months
0% interest on transfers
1.13%
Effective fee
(3.0% initial 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

AA Dual Credit Card

  • 2.98% transfer fee (first 3 months)
  • 26 months 0% on purchases
  • Manage your account on the go with the AA Credit Card app
More info
20
 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 41 Month Balance Transfer Credit Card

Virgin 41 Month Balance Transfer Credit Card

Longest 0% balance transfer
Longest 0% balance transfer

Virgin 41 Month Balance Transfer Credit Card

  • 4% balance transfer fee
  • 41 months 0% for money transfers (4% transfer fee)
  • 3 months 0% on Purchases
More info
41
 months
0% interest on transfers
4.0%
Effective fee
(4.0% initial fee)
20.9% 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 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Capital One Balance Transfer Card

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)
HSBC Credit Card

HSBC Credit Card

HSBC Credit Card

  • 1.4% transfer fee refunded to 0.75% within 60 days
  • 0% interest in purchases for 3 months
  • The APR is dependant on your personal circumstances
More info
32
 months
0% interest on transfers
0.75%
Effective fee
(1.4% initial fee)
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have an annual income/pension before tax of £8,500 or more
  • be a resident of the UK, Channel Islands or Isle of Man
  • be over 18
  • no balance transfers from HSBC, First Direct, Marks and Spencer or John Lewis

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 21 Month Balance Transfer

Barclaycard Platinum 21 Month Balance Transfer

2016 award winner

Barclaycard Platinum 21 Month Balance Transfer

  • Get 0% on transfers and purchases with no transfer fee
  • 3.5% transfer fee refunded to 0% within 2 working days
  • 3 months 0% on purchases
More info
21
 months
0% interest on transfers
0.0%
Effective fee
(3.5% initial 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

2016 award winner

Halifax 32 Month Balance Transfer Credit Card

  • 3% transfer fee refunded to 1.13% within 90 days
  • Manage your card online using Online Banking and Mobile Banking
  • 12 months 0% on purchases
More info
32
 months
0% interest on transfers
1.13%
Effective fee
(3.0% initial 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

Post Office Money Balance Transfer Credit Card

  • 2.98% transfer fee refunded to 2.49% within 90 days
  • 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%
Effective fee
(2.98% initial 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

Sainsbury’s Nectar Dual Credit Card

Sainsbury’s Nectar Dual Credit Card

  • Offer only available until 27 Sept 2016
  • 5000 bonus Nectar points when you spend at least £800 (terms apply)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
More info
24
 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

AA Balance Transfer Credit Card

  • No transfer fee
  • 24 months 0% on balance transfers in first 3 months
  • 0% for 3 months on purchases from account opening
More info
24
 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

2016 award winner

Virgin 32 Month Money Transfer Credit Card

  • 3.5% transfer fee refunded to 1.69% after 14 days
  • 32 months 0% for money transfers; 3 months 0% for purchases
More info
32
 months
0% interest on transfers
1.69%
Effective fee
(3.5% initial fee)
19.9% 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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin 36 Month Money Transfer Credit Card

Virgin 36 Month Money Transfer Credit Card

2016 award winner

Virgin 36 Month Money Transfer Credit Card

  • 36 months 0% for money and balance transfers
  • 3.5% transfer fee refunded to 2.39% after 14 days
  • 3 months 0% for purchases
More info
36
 months
0% interest on transfers
2.39%
Effective fee
(3.5% initial fee)
20.9% 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 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Nationwide Credit Card Purchase Visa

Nationwide Credit Card Purchase Visa

Nationwide Credit Card Purchase Visa

  • 12 months 0% on purchases & 12 months 0% on balance transfers (0% fee for three months, 2.4% thereafter)
  • Commission-free allowance abroad
  • Access to exclusive deals with Simply Rewards
More info
12
 months
0% interest on transfers
0.0%
Transfer fee
17.9% 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 17.9% (variable) per annum, your representative APR is 17.9% APR (variable)
Tesco Bank Clubcard Credit Card for Money Transfers

Tesco Bank Clubcard Credit Card for Money Transfers

Tesco Bank Clubcard Credit Card for Money Transfers

  • 40 months 0% for money transfers (3.94% fee)
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
More info
40
 months
0% interest on transfers
2.69%
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)
Sainsbury's  Bank Nectar Low Balance Transfer Fee Credit Card

Sainsbury's Bank Nectar Low Balance Transfer Fee Credit Card

Sainsbury's Bank Nectar Low Balance Transfer Fee Credit Card

  • Offer only available until 27 Sept 2016
  • 1.5% balance transfer fee in the first 3 months (3% thereafter)
  • 5000 bonus Nectar points when you spend at least £800 (terms apply)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
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 Money 36 Month Balance Transfer Credit Card

Virgin Money 36 Month Balance Transfer Credit Card

2016 award winner

Virgin Money 36 Month Balance Transfer Credit Card

  • 3.5% transfer fee refunded to 1.99% after 14 days
  • 36 months 0% for money transfers (4% fee)
  • 3 months 0% for purchases
More info
36
 months
0% interest on transfers
1.99%
Effective fee
(3.5% initial fee)
20.9% 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 UK bank or building society account
  • have good credit history

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Virgin Money 30 Month Balance Transfer Credit Card

Virgin Money 30 Month Balance Transfer Credit Card

2016 award winner

Virgin Money 30 Month Balance Transfer Credit Card

  • 3% transfer fee refunded to 0.59% after 14 days
  • 30 months 0% for money transfers (4% fee for first 60 days, 5% thereafter)
  • 3 months 0% for purchases
More info
30
 months
0% interest on transfers
0.59%
Effective fee
(3.0% initial fee)
19.9% 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 UK bank or building society account
  • have good credit history

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 Money 34 Month Balance Transfer Credit Card

Virgin Money 34 Month Balance Transfer Credit Card

2016 award winner

Virgin Money 34 Month Balance Transfer Credit Card

  • 3% balance transfer fee refunded to 1.49% after 14 days
  • 34 months 0% for money transfers (4% fee for first 60 days, 5% thereafter)
  • 3 months 0% for purchases
More info
34
 months
0% interest on transfers
1.49%
Effective fee
(3.0% initial fee)
19.9% 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 UK bank or building society account
  • have good credit history

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)
Tesco Bank Clubcard Credit Card for 38 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 38 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 38 Month Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
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 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)
Bank of Scotland Classic Credit Card

Bank of Scotland Classic Credit Card

Bank of Scotland Classic Credit Card

  • 18 months 0% on balance transfers made in first 90 days
  • 3% balance transfer fee
  • 9 months 0% on purchases
More info
18
 months
0% interest on transfers
3.0%
Transfer fee
25.9% 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 25.9% (variable) per annum, your representative APR is 25.9% APR (variable)
MBNA Platinum 40 Month Credit Card

MBNA Platinum 40 Month Credit Card

Limited offer

MBNA Platinum 40 Month Credit Card

  • Offer only available until 1 August 2016
  • 2.47% balance transfer fee for the first 60 days, 20.9% APR and 5% fee thereafter
  • 20 months 0% money transfers (4% transfer fee for first 60 days, 22.9 APR and 5% thereafter)
More info
40
 months
0% interest on transfers
2.47%
Transfer fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • 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)

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.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.

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