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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 33 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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  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy
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59 results found, sorted by payment term and costs.
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Earn 1% cashback on purchases made abroad between 13 June and 18 September 2022

Santander All in One Credit Card

Interest on balance transfers
0%for26months with no fee
Representative APR (variable)
24.7%APR
Balance transfer fee
No fee
Pay the balance over
19months with no fees or interest
Representative example:
The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.7% (variable).£3 monthly fee.
Additional information
  • £3 monthly fee applies.
  • 0% interest on balance transfers for 26 months from account opening with no balance transfer fee
  • 0% interest on purchases for 23 months from the date of account opening.
  • Once the 0% deal ends the balance transfer rate will be 18.9% p.a. variable with a 3% fee.
  • Earn 0.5% cashback on all your purchases with no limits or caps.
  • No foreign transaction fees on purchases made abroad in the local currency.
  • When using your card abroad, earn 1% cashback on purchases made between 13 June and 18 September 2022 (T&Cs apply). Plus, earn up to 15% cashback with Retailer Offers, a free service available through Online and Mobile Banking.
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £7,500
  • have a good credit rating
  • no transfers from Santander
  • additional criteria for acceptance from the lender may apply

Sainsbury's Bank Low Balance Transfer Fee Credit Card (22 Mths)

Interest on balance transfers
0%for22months with no fee
Representative APR (variable)
21.9%APR
Balance transfer fee
No fee
Pay the balance over
19months with no fees or interest
Representative example:
The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 22 or 14 months, depending on your individual circumstances.
  • Balance transfer fee of 0% or 1% applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary
  • 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 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
Earn 1% cashback on purchases made abroad between 13 June and 18 September 2022

Santander Everyday No Balance Transfer Fee Credit Card

Interest on balance transfers
0%for21months with no fee
Representative APR (variable)
21.9%APR
Balance transfer fee
No fee
Pay the balance over
19months with no fees or interest
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
  • 0% on balance transfers for 21 months from account opening
  • No fee to transfer a balance for the first 21 months
  • 0% on purchases for 3 months
  • When using your card abroad, earn 1% cashback on purchases made between 13 June and 18 September 2022 (T&Cs apply).
  • Plus, earn up to 15% cashback with Retailer Offers, a free service available through Online and Mobile Banking.
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £7,500
  • have a good credit rating
  • must not be an existing Santander balance transfer credit card customer
  • additional criteria for acceptance from the lender may apply
Aggregator Exclusive

HSBC Balance Transfer No Fee Credit Card - Semi Excl

Interest on balance transfers
0%for20months with no fee
Representative APR (variable)
21.9%APR
Balance transfer fee
No fee
Pay the balance over
19months with no fees or interest
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
  • 0% on balance transfers made within 60 days of account opening for 20 months from the date of transfer
Eligibility
  • You must have an annual income/pension before tax of £6,800 or more
  • You must be a resident of the UK, Channel Islands or Isle of Man
  • You must be over 18
  • The APR is dependent on your personal circumstances
  • No balance transfers from HSBC, First Direct, Marks and Spencer or John Lewis
Which? Recommended Credit Cards Provider in 2022

Virgin Money Balance Transfer Credit Card (20 Mths) (21.9%)

Interest on balance transfers
0%for20months with a0.5%fee
Representative APR (variable)
21.9%APR
Balance transfer fee
0.5%
Pay the balance over
19months with fees & interest of£15.00
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 Cashback 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'.
  • 20 months 0% on balance transfers (0.5% transfer fee)
  • 12 months 0% on money transfers (4% transfer fee)
  • 3 months 0% on purchases
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
Which? Recommended Credit Cards Provider in 2022

Virgin Money Balance Transfer Credit Card (20 Mths) (25.9%)

Interest on balance transfers
0%for20months with a0.5%fee
Representative APR (variable)
25.9%APR
Balance transfer fee
0.5%
Pay the balance over
19months with fees & interest of£15.00
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 Cashback 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'.
  • 20 months 0% on balance transfers (0.5% transfer fee)
  • 12 months 0% on money transfers (4% transfer fee)
  • 3 months 0% on purchases
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
Which? Recommended Credit Cards Provider in 2022

Virgin Money Balance Transfer Credit Card (24 Mths) (21.9%)

Interest on balance transfers
0%for24months with a0.75%fee
Representative APR (variable)
21.9%APR
Balance transfer fee
0.75%
Pay the balance over
19months with fees & interest of£22.50
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 Cashback 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'.
  • 24 months 0% on balance transfers (0.75% transfer fee)
  • 12 months 0% on money transfers (4% transfer fee)
  • 3 months 0% on purchases
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
Which? Recommended Credit Cards Provider in 2022

Virgin Money Balance Transfer Credit Card (24 Mths) (25.9%)

Interest on balance transfers
0%for24months with a0.75%fee
Representative APR (variable)
25.9%APR
Balance transfer fee
0.75%
Pay the balance over
19months with fees & interest of£22.50
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 Cashback 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'.
  • 24 months 0% on balance transfers (0.75% transfer fee)
  • 12 months 0% on money transfers (4% transfer fee)
  • 3 months 0% on purchases
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

What are 0% balance transfer credit cards?

If you're paying a high interest rate on existing credit card debts, it may be cheaper to transfer all of your borrowing to a card where you don't 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 they 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's often a charge for this - you may pay a fee based on a percentage of the value of the debt you have transferred across.

Comparing balance transfer cards

There are a few things to look for when comparing balance transfer credit cards, and consider the terms and conditions 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?

  • What is the APR after the introductory period?

Is it worth having a 0% balance transfer card?

A 0% balance transfer credit card can be a useful for:

  • Reducing your monthly outgoings

  • Manage all of your credit card borrowing

  • Transfer debt from existing credit cards with 0% introductory deal

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 the interest charges.

It's important 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.

Balance transfer example

Your balance transfer 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.

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

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What does a 0% balance transfer offer cover?

A credit card might offer a 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, 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.

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, that way you can pay it off without costly interest payments

Things to know about balance transfer credit cards

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Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy
Check eligibility

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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.