Balance transfer credit cards

Compare balance transfer credit cards to find a 0% interest credit card deal to transfer your existing balance to. With the longest 0% interest periods on balance transfers now up to 31 months, you could pay no interest on your credit card debts for at least 12 months. Additional results may be available with an eligibility check.

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58 results found, sorted by longest balance transfer period.

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Sainsbury's Bank Balance Transfer 30 Months Credit Card

Interest on balance transfers

0%for30months with a1.5%fee (£3 min.)

Representative APR (variable)

20months with fees & interest of£45.00

Representative example:

The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).

Additional information

Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 30 or 24 months, depending on your individual circumstances.
Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Up to 5,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first 2 months you'll get 500 points. T&Cs apply.

Eligibility

be a 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

Tesco Bank Balance Transfer Credit Card

Interest on balance transfers

0%for30months with a2.6%fee

Representative APR (variable)

20months with fees & interest of£78.00

Representative example:

The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

0% interest on balance transfers for up to 30 months from account opening, with a 2.6% transfer fee.
You might get a different interest rate or promotional period to those shown here, because these depend on your circumstances
Balance transfers must be made within the first 90 days to get the promotional offer. You can transfer up to 95% of your available credit limit. You can't transfer a balance from another card issued by Tesco Bank
Collect Tesco Clubcard points almost everywhere you use your card, on top of your usual Clubcard points in Tesco

Eligibility

be a UK resident
be 18 or older
have a good credit rating
not have been declined for credit in the last month
hold no more than one Tesco Bank Credit Card
have an annual income of at least £5,000
additional criteria for acceptance from the lender may apply

MBNA Long Balance Transfer Credit Card

Interest on balance transfers

0%for30months with a2.95%fee

Representative APR (variable)

20months with fees & interest of£88.50

Representative example:

The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

Up to 30 months 0% on balance transfers (2.95% fee) made within 60 days of account opening, 21.94% p.a. with 5% fee thereafter
Up to 12 months 0% on money transfers (4% fee) made within 60 days of account opening, 21.94% p.a. with 5% fee thereafter

Eligibility

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
cannot transfer from MBNA accounts
additional criteria for acceptance from the lender may apply

Virgin Money Balance Transfer Credit Card (30 Mths) (21.9%)

Interest on balance transfers

0%for30months with a2.95%fee

Representative APR (variable)

20months with fees & interest of£88.50

Representative example:

The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
30 months 0% on balance transfers (2.95% transfer fee)
12 months 0% on money transfers (4% transfer fee)
3 months 0% on purchases
20% off Virgin Experience Days, plus many more Virgin Group discounts. Terms Apply. Exclusive access to Virgin Money Lounges – the perfect place to relax and unwind. Use Virgin Money’s Card Checker to see your chances of being accepted.

Eligibility

be 18 or older
be a UK resident
have a good credit history
no balance transfers from Clydesdale Bank PLC
additional criteria for acceptance from the lender may apply

Virgin Money Balance Transfer Credit Card (30 Mths) (23.9%)

Interest on balance transfers

0%for30months with a2.95%fee

Representative APR (variable)

20months with fees & interest of£88.50

Representative example:

The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).

Additional information

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
30 months 0% on balance transfers (2.95% transfer fee)
12 months 0% on money transfers (4% transfer fee)
3 months 0% on purchases
20% off Virgin Experience Days, plus many more Virgin Group discounts. Terms Apply. Exclusive access to Virgin Money Lounges – the perfect place to relax and unwind. Use Virgin Money’s Card Checker to see your chances of being accepted.

Eligibility

be 18 or older
be a UK resident
have good credit history
no balance transfers from Clydesdale Bank PLC
additional criteria for acceptance from the lender may apply

Virgin Money Balance Transfer Credit Card (30 Mths) (25.9%)

Interest on balance transfers

0%for30months with a2.95%fee

Representative APR (variable)

20months with fees & interest of£88.50

Representative example:

The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).

Additional information

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
30 months 0% on balance transfers (2.95% transfer fee)
12 months 0% on money transfers (4% transfer fee)
3 months 0% on purchases
20% off Virgin Experience Days, plus many more Virgin Group discounts. Terms Apply. Exclusive access to Virgin Money Lounges – the perfect place to relax and unwind. Use Virgin Money’s Card Checker to see your chances of being accepted.

Eligibility

be 18 or older
be a UK resident
have good credit history
no balance transfers from Clydesdale Bank PLC
additional criteria for acceptance from the lender may apply

Barclaycard Platinum Balance Transfer (29 Mths)

Interest on balance transfers

0%for29months with a2.69%fee

Representative APR (variable)

20months with fees & interest of£80.70

Representative example:

The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply.
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.

Eligibility

be a permanent UK resident
be 18 years or over
not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
not already hold a Barclaycard credit card
best suited to customers with an income of £20,000
additional criteria for acceptance from the lender may apply

Halifax Long 0% Balance Transfer Credit Card

Interest on balance transfers

0%for29months with a2.7%fee

Representative APR (variable)

20months with fees & interest of£81.00

Representative example:

The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

Pay 0% interest for up to 29 months on balances you transfer in the first 90 days (2.7% transfer fee)
0% on purchases made in the first 9 months of card opening
You may be eligible to apply for this as a second credit card. Terms apply

Eligibility

be a permanent UK resident
be 18 or older
have a good credit rating
not been declined a Halifax Bank credit card within the last 30 days
can't transfer from another Halifax account
additional criteria for acceptance from the lender may apply

Uswitch Limited is a credit broker, not a lender, for consumer credit.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Frequently asked questions

Credit card guides

Debt help

What are 0% balance transfer credit cards?

If you have existing credit card debts on which you are paying a high rate of interest, it may be cheaper to transfer all your borrowing to a card where you do not pay any interest for a set period of time. This gives you a chance to pay off your debt, saving you a significant sum of money. These types of credit cards are called balance transfer credit cards.

How do 0% balance transfer credit cards work?

When you move to the new 0% balance transfer card your credit card debt will be interest free for a set period of time - often up to two years. After that, it the interest rate (known as the APR) will revert to a higher rate.

During the 0% interest period you can pay off your credit card debt in regular instalments. By transferring over your old credit card or store card balance to a new card you will have some financial breathing space. There is a charge for this - you will pay a fee based on a percentage of the value of the debt you have transferred across.

Is it worth having a 0% balance transfer card?

Zero interest balance transfer cards can be a useful way of reducing your monthly outgoings and can enable you to manage all your credit card borrowing in one place. A 0% balance transfer credit card allows you to transfer debt from existing credit cards 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.

This can be a good way to save money on the cost of paying back your credit card debt as you can pay down the balance without paying interest charges.

It can also be a good way to make your debts more manageable. You can consolidate your debts from multiple credit cards and keep them all in one place.

You do need to have a plan to repay the transferred balance so that you don't end up paying a high rate of interest when the 0% period ends.

How do you compare balance transfer credit cards?

There are a few things to look for when comparing balance transfer credit cards. Look at the details of the different cards available. How long is the 0% balance transfer period? What is the fee you will have to pay to transfer the balance across?

How long is a 0% balance transfer credit card offer?

Most cards come with a 0% interest offer. This allows you to pay off your credit card debt within a specified time period without being charged interest. This period can last for more than 18 months depending on the offer, which can be very attractive to help pay down the debt, without interest charges.

To make the most from the introductory offer, calculate how much you’ll need to pay back each month to complete your repayments within the 0% interest period.

For example

You transfer £1,000 to a card with a 24 month 0% introductory offer.

The transfer fee is 3% costing you £30

In total, you owe £1,030

The total debt divided by 24 months is £42.92

To pay off the credit card in full during the 0% introductory period, each month you'd need to pay: £42.92

You might get a shorter introductory period than advertised

Be careful. Where you’ve had credit problems in the past you might be given a shorter introductory period than you see advertised which may not make the offer as attractive. If your credit rating is lower, you may be offered a less attractive deal. For this reason, it is a good idea to get your credit rating into the best shape possible.

Find out more about What Affects your Credit Rating

Check when the 0% offer ends

0% balance transfer offers do not last forever. When the introductory offer ends, the interest will go back to a more expensive standard rate.

When you transfer your credit card balance to a new card, always make a note of when the introductory 0% interest rate ends. You may wish to consider moving any outstanding balance to a new balance transfer card to pay it off without costly interest payments.

What does a 0% balance transfer offer cover?

A credit card might offer a long 0% balance transfer rate that lasts years. But it might only offer a few months of interest free spending.

Generally it’s better to have your balance transfer credit card just for balance transfers. But it’s worth knowing what rates you’ll be paying for spending on it too, just in case you need to.

If you have a large debt to pay over the 0% interest period try to avoid spending on the card after transferring a balance to it.

Or if you're looking for a card that offers a good rate on both, you might want to consider a 0% balance transfer and purchase credit card.

What is the true cost of the balance transfer fee?

Most credit card providers charge a balance transfer fee of around 3% when you move your debt from one card to another. This varies between cards and providers.

As the fee is worked out as a percentage, the cost of the transfer fee will rise with the amount you transfer.

For example

You transfer £1,000. The transfer fee is 3%.

It'll cost you £30 to transfer your balance.

You transfer £2,000. The transfer fee is 3%.

It'll cost you £60 to transfer your balance.

But do not let the fee put you off. Even with the fee, you’re still likely to be paying less overall compared to your existing credit card.

Some credit cards will offer a discount on the initial balance transfer fee provided you meet their terms and conditions. This usually includes paying off your balance on time each month.

What is the APR?

APR is there to help you compare credit card deals more easily. APR stands for annual percentage rate.

It helps you work out what the credit card will cost you once your 0% introductory period ends. A higher APR means higher repayments.

It takes into account the interest rate and additional charges of a credit card offer.

You might get a higher APR than advertised

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. Where you’ve had credit problems in the past you might 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. Again, getting your credit rating into good shape will help your chances of getting the best deals.

Find out How to improve your credit rating and credit score

Are money transfers included?

Some balance transfer credit cards will also include 0% on money transfers.

Money transfers allow you to pay money from your balance transfer cards into your current account. So you can pay off overdraft debt, not just credit card debt.

These deals will also come with a fee, usually around 4%, but this will vary from provider to provider. Check what the fees involved may include as this could make your money transfer very expensive.

These balance and money transfer credit cards can be vital for consolidating debt from a variety of areas. It could be worth considering if you have debt elsewhere and not just from your credit card.

Finding the best balance transfer cards

The best balance transfer credit card for you will depend on your needs. But to help you find the best deal you should look for:

Lowest APRs
0 balance transfer fees
Longest 0% introductory periods

Also consider what other features you might need including:

Money transfers
0% purchases

Balance transfer credit cards for bad credit

Your options for balance transfer credit cards will be limited if you have bad credit.

Most credit cards transfer deals will only accept people with a good or excellent credit rating.

You might have a higher chance of being approved for a credit card for bad credit.

Find out more about balance transfer cards

What does 'most popular' mean?

When we use the term ‘most popular’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 48 hours.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.