Balance Transfer Credit Cards - Up to 43 Months 0% Interest

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Top deal		Balance transfer	Fees	APR
Barclaycard Platinum 37 Month Balance Transfer	Barclaycard Platinum 37 Month Balance Transfer Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017 6 months 0% on purchases 3.5% transfer fee refunded to 1.4% within 2 working days More info	37 months 0% interest on transfers 0% interest on transfers	1.4% Effective fee (3.5% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017 3.5% transfer fee refunded to 0.6% within 2 working days Six months 0% on purchases More info	32 months 0% interest on transfers 0% interest on transfers	0.6% Effective fee (3.5% initial fee) Effective balance transfer fee	19.9% APR Representative (variable) Representative APR (variable)	More info 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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card	Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017 25 months 0% on purchases Free access to your Experian credit report More info	25 months 0% interest on transfers 0% interest on transfers	1.49% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017 A balance transfer card for those with limited but good credit history More info	18 months 0% interest on transfers 0% interest on transfers	2.99% Transfer fee Balance transfer fee	24.9% APR Representative (variable) Representative APR (variable)	More info 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 Credit Card	Bank of Scotland Platinum 39 Month Balance Transfer Credit Card 39 months 0% on balance transfers made in first 90 days 3% transfer fee refunded to 1.60% within 90 days of transaction date Six months 0% on purchases More info	39 months 0% interest on transfers 0% interest on transfers	1.6% Effective fee (3.0% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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 Market Leading	Halifax 40 Month Balance Transfer Credit Card 1.69% effective transfer fee (initial 3% fee, 1.31% refunded after 90 days) 6 months 0% on new purchases You may be eligible to apply for this as a second credit card. Terms apply More info	40 months 0% interest on transfers 0% interest on transfers	1.69% Effective fee (3.0% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Up to 29 months 0% on balance transfers (2.89% fee) in first 60 days, 20.9% p.a. with 5% fee thereafter Up to 29 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter Up to 29 months 0% on purchases made within the first 60 days More info	29 months 0% interest on transfers 0% interest on transfers	2.89% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 between MBNA accounts 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 29 Month Purchase and Balance Transfer Credit Card	Lloyds Bank Platinum 29 Month Purchase and Balance Transfer Credit Card 2.5% transfer fee in first 90 days from account opening, 3% thereafter You may be eligible to apply for this as a second credit card. Terms apply 29 months 0% on purchases More info	29 months 0% interest on transfers 0% interest on transfers	2.5% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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 Balance Transfer Credit Card	Lloyds Bank Platinum 39 Month Balance Transfer Credit Card 39 months 0% on balance transfers made in first 90 days 3% transfer fee refunded to 1.60% within 90 days of transaction date Six months 0% on new purchases More info	39 months 0% interest on transfers 0% interest on transfers	1.6% Effective fee (3.0% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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)
Post Office Money Platinum Credit Card	Post Office Money Platinum Credit Card 28 months 0% on purchases No foreign transaction fees & no cash advance fee when you purchase Post Office Travel Money More info	18 months 0% interest on transfers 0% interest on transfers	2.89% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsbury's Bank No Balance Transfer Fee Credit Card	Sainsbury's Bank No Balance Transfer Fee Credit Card 0% balance transfer fee on transfers made in the first 3 months (3% thereafter, £3 minimum fee) In the first 3 months a 1.5% balance transfer fee is charged and then fully refunded directly to your account within 60 days More info	28 months 0% interest on transfers 0% interest on transfers	0.0% Effective fee (1.5% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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)
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% interest on transfers	0.0% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 32m Balance Transfer	Tesco Bank Clubcard Credit Card for 32m 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	32 months 0% interest on transfers 0% interest on transfers	0.65% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 0% interest on transfers	2.95% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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 0% interest on transfers	2.99% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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)
Post Office Matched Credit Card	Post Office Matched Credit Card No cash advance fee when you purchase Post Office Travel Money 30 months 0% on purchases and free purchase protection insurance More info	30 months 0% interest on transfers 0% interest on transfers	2.75% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 26 months MasterCard SecureCode for safer online shopping More info	12 months 0% interest on transfers 0% interest on transfers	3.0% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 26 months MasterCard SecureCode for safer online shopping More info	12 months 0% interest on transfers 0% interest on transfers	3.0% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Offer only available until 28 August 2017 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere More info	3 months 0% interest on transfers 0% interest on transfers	3.0% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 0% fee for transfers in first 90 days, 3% fee thereafter The 0% interest period applies to transfers made within 90 days of account opening Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply More info	12 months 0% interest on transfers 0% interest on transfers	0.0% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 32 months 0% on balance transfers (0.6% transfer fee) 32 months 0% on money transfers (4% transfer fee) 3 months 0% on purchases More info	32 months 0% interest on transfers 0% interest on transfers	0.6% Transfer fee Balance transfer fee	19.9% APR Representative (variable) Representative APR (variable)	More info 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 25 months 0% for balance transfers, money transfers and purchases 1.5% balance transfer fee in first 60 days, 5% thereafter 2% money transfer fee in the first 60 days, 5% thereafter More info	25 months 0% interest on transfers 0% interest on transfers	1.5% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 0% balance transfer fee in first 60 days, 5% thereafter 24 months 0% for money transfers (4% fee in first 60 days, 5% thereafter) 3 months 0% on purchases More info	24 months 0% interest on transfers 0% interest on transfers	0.0% Transfer fee Balance transfer fee	19.9% APR Representative (variable) Representative APR (variable)	More info 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 29 Month Balance Transfer Credit Card Longest fee free Longest fee free	Halifax 29 Month Balance Transfer Credit Card 0% fee for transfers in first 90 days, 3% fee thereafter 3 months 0% on purchases You may be eligible to apply for this as a second credit card. Terms apply More info	29 months 0% interest on transfers 0% interest on transfers	0.0% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Halifax 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 25 Month Balance Transfer Card	Bank of Scotland Platinum 25 Month Balance Transfer Card 0% fee on balance transfers within the first 90 days, 3% thereafter You may be eligible to apply for this as a second credit card. Terms apply 3 months 0% on purchases More info	25 months 0% interest on transfers 0% interest on transfers	0.0% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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 29 Month Purchase and Balance Transfer Credit Card	Bank of Scotland Platinum 29 Month Purchase and Balance Transfer Credit Card 2.5% fee applies on each balance transfer made in the first 90 days, 3% thereafter You may be eligible to apply for this as a second credit card. Terms apply 29 months 0% on purchases More info	29 months 0% interest on transfers 0% interest on transfers	2.5% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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 Bank Platinum 25 Month Balance Transfer Credit Card	Lloyds Bank Platinum 25 Month Balance Transfer Credit Card 0% fee on balances transferred within 90 days of account opening, 3% thereafter You may be eligible to apply for this as a second credit card. Terms apply 0% on purchases for 3 months More info	25 months 0% interest on transfers 0% interest on transfers	0.0% Transfer fee Balance transfer fee	19.9% APR Representative (variable) Representative APR (variable)	More info 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 Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 19.94% (variable) per annum, your representative APR is 19.9% APR (variable)
Halifax 29 Month Purchase and Balance Transfer Credit Card	Halifax 29 Month Purchase and Balance Transfer Credit Card 2.5% effective balance transfer fee for first 90 days, 3% fee thereafter You may be eligible to apply for this as a second credit card. Terms apply Manage your card with online and mobile banking More info	29 months 0% interest on transfers 0% interest on transfers	2.5% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Halifax Bank 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 32 Month Balance Transfer Credit Card	Bank of Scotland Platinum 32 Month Balance Transfer Credit Card 12 months 0% on purchases 0.8% balance transfer fee within 90 days of account opening (3% thereafter) More info	32 months 0% interest on transfers 0% interest on transfers	0.8% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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 Bank Platinum 32 Month Balance Transfer Credit Card	Lloyds Bank Platinum 32 Month Balance Transfer Credit Card 0.8% fee for transfers in first 90 days, 3% fee thereafter 12 months 0% on purchases More info	32 months 0% interest on transfers 0% interest on transfers	0.8% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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)
The AA Dual Credit Card	The AA Dual Credit Card Up to 32 months 0% on purchases Up to 16 months 0% on balance transfers with 2.89% transfer fee More info	16 months 0% interest on transfers 0% interest on transfers	2.89% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 no balance transfers from: Post Office or Bank of Ireland 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 41 Month Balance Transfer Credit Card	Virgin 41 Month Balance Transfer Credit Card 41 months 0% for money transfers (3.8% transfer fee) 3 months 0% on purchases More info	41 months 0% interest on transfers 0% interest on transfers	3.0% Transfer fee Balance transfer fee	20.9% APR Representative (variable) Representative APR (variable)	More info 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 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 0% interest on transfers	3.0% Transfer fee Balance transfer fee	34.9% APR Representative (variable) Representative APR (variable)	More info 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 0% for 3 months on purchases 1.4% fee applies on Balance Transfers (minimum £5) More info	32 months 0% interest on transfers 0% interest on transfers	1.4% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 The APR is dependent on your personal circumstances 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 24 Month Balance Transfer	Barclaycard Platinum 24 Month Balance Transfer Get 0% on transfers with no transfer fee 3.5% transfer fee refunded to 0% within 2 working days Six months 0% on purchases More info	24 months 0% interest on transfers 0% interest on transfers	0.0% Effective fee (3.5% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 33 Month Balance Transfer Credit Card	Halifax 33 Month Balance Transfer Credit Card £20 cashback paid on your first balance transfer within 90 days Offer only available on accounts opened by 08 August 2017 0.58% effective transfer fee (initial 3% fee, 2.42% refunded after 90 days) More info	33 months 0% interest on transfers 0% interest on transfers	0.58% Effective fee (3.0% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Halifax Bank 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 3.25% balance transfer fee Three months 0% on purchases No cash fee to buy travel money at the Post Office More info	41 months 0% interest on transfers 0% interest on transfers	3.25% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 18.9% (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 36 months 0% for money and balance transfers (2.9% transfer fee) 3 months 0% for purchases More info	36 months 0% interest on transfers 0% interest on transfers	2.9% Transfer fee Balance transfer fee	20.9% APR Representative (variable) Representative APR (variable)	More info 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)
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 0% interest on transfers	2.69% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 33 month Balance Transfer Credit Card	Sainsbury's Bank 33 month Balance Transfer Credit Card Offer only available until 28 August 2017 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply 1.5% balance transfer fee in the first 3 months refunded to 0.59% (3% thereafter, £3 min fee at all times) More info	33 months 0% interest on transfers 0% interest on transfers	0.59% Effective fee (1.5% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 30 Month Balance Transfer Credit Card	Virgin Money 30 Month Balance Transfer Credit Card 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% interest on transfers	0.55% Transfer fee Balance transfer fee	19.9% APR Representative (variable) Representative APR (variable)	More info 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 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 0% interest on transfers	2.69% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 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 0% interest on transfers	3.0% Transfer fee Balance transfer fee	27.9% APR Representative (variable) Representative APR (variable)	More info 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 Bank of Scotland plc Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 27.9% (variable) per annum, your representative APR is 27.9% APR (variable)
MBNA Platinum 41 Month Credit Card	MBNA Platinum 41 Month Credit Card Up to 41 months 0% on balance transfers (2.79% fee) in first 60 days, 20.9% p.a. and 5% fee thereafter Up to 20 months 0% on money transfers (4% fee) in first 60 days, 22.9% p.a. and 5% fee thereafter More info	41 months 0% interest on transfers 0% interest on transfers	2.79% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 no balance transfers between MBNA accounts 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 Everyday Credit Card	Santander Everyday Credit Card 30 months 0% on purchases 30 months 0% on balance transfers with 2.75% transfer fee Manage your account online or with Santander app More info	30 months 0% interest on transfers 0% interest on transfers	2.75% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info Can I get this card? ? To get this card you must at least: be a permanent UK resident minimum income of £7,500 must not be an existing Santander balance transfer credit card customer 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)
Santander All in One Credit Card	Santander All in One Credit Card Monthly fee of £3 applies If you have a 1\|2\|3 current account Santander will refund the £3 fee for the first 6 months. Terms apply 0.5% cashback on all purchases with no limit to how much you can earn. Terms apply More info	43 months 0% interest on transfers 0% interest on transfers	0.0% Transfer fee Balance transfer fee £3 Monthly fee	21.7% APR Representative (variable) Representative APR (variable)	More info Can I get this card? ? To get this card you must at least: 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.
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, with a £3 monthly fee, your representative APR is 21.7% APR (variable)
The AA Balance Transfer Credit Card	The AA Balance Transfer Credit Card 41 months 0% on balance transfers 3.25% balance transfer fee 0% on purchases for 3 months More info	41 months 0% interest on transfers 0% interest on transfers	3.25% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 no balance transfers from: Post Office or Bank of Ireland 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 40 month Balance Transfer Credit Card	Sainsbury’s Bank Nectar 40 month Balance Transfer Credit Card Offer only available until 28 August 2017 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply 1.78% balance transfer fee, refunded from 2.89%, on transfers made in the first 3 months (3% thereafter, £3 fee minimum at all times, nectar cardholders only) More info	40 months 0% interest on transfers 0% interest on transfers	1.78% Effective fee (2.89% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Nectar Cardholders Exclusive – you must enter your Nectar card number when you apply 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card	Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card Offer only available until 28 August 2017 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply 1.5% balance transfer fee in the first 3 months refunded to 0.59% (3% thereafter, £3 min fee at all times) More info	33 months 0% interest on transfers 0% interest on transfers	0.59% Effective fee (1.5% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 35 month Balance Transfer Credit Card	Sainsbury’s Bank 35 month Balance Transfer Credit Card Offer only available until 28 August 2017 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply 1.5% balance transfer fee in the first 3 months (3% thereafter, £3 min fee at all times) More info	35 months 0% interest on transfers 0% interest on transfers	1.5% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 28 Month Purchase Credit Card	Virgin 28 Month Purchase Credit Card 28 months 0% on purchases 18 months 0% on balance transfers (2% fee) 18 months 0% on money transfers (3% fee) More info	18 months 0% interest on transfers 0% interest on transfers	2.0% Transfer fee Balance transfer fee	19.9% APR Representative (variable) Representative APR (variable)	More info 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 27 Month All Round Credit Card	Virgin 27 Month All Round Credit Card 27 months 0% for balance transfers, money transfers and purchases 2.70% balance transfer fee 2.70% money transfer fee More info	27 months 0% interest on transfers 0% interest on transfers	2.7% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 40 Month Balance Transfer Credit Card	Virgin 40 Month Balance Transfer Credit Card 40 months 0% for money transfers (3.8% transfer fee) 3 months 0% on purchases More info	40 months 0% interest on transfers 0% interest on transfers	1.7% Transfer fee Balance transfer fee	20.9% APR Representative (variable) Representative APR (variable)	More info 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)
M&S Transfer Plus Credit Card	M&S Transfer Plus Credit Card 32 months 0% on balance transfers made within 90 days (0.99% fee applies, £5 minimum fee) 6 months 0% on purchases More info	32 months 0% interest on transfers 0% interest on transfers	0.99% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info Can I get this card? ? To get this card you must at least: have a good credit rating be 18 or older be a permanent UK resident 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)
ASDA Cashback Credit Card	ASDA Cashback Credit Card 0% for 6 months on all George.com purchases of £200 1% Cashback on all Asda spend in the form of ASDA vouchers 0.5% Cashback on all other purchases in the form of ASDA vouchers More info	12 months 0% interest on transfers 0% interest on transfers	3.0% Transfer fee Balance transfer fee	19.9% APR Representative (variable) Representative APR (variable)	More info Can I get this card? ? To get this card you must at least: be aged 18 or over not have County Court Judgements or Court Decrees, or be bankrupt or otherwise insolvent. have a minimum annual income of £10,000 and not be claiming unemployment benefits 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)
ASDA Cashback Plus Credit Card	ASDA Cashback Plus Credit Card 0% for 6 months on all George.com purchases of £200 2% Cashback on all Asda spend in the form of ASDA vouchers 1% Cashback on all other purchases in the form of ASDA vouchers More info	15 months 0% interest on transfers 0% interest on transfers	3.0% Transfer fee Balance transfer fee £3 Monthly fee	26.2% APR Representative (variable) Representative APR (variable)	More info Can I get this card? ? To get this card you must at least: be aged 18 or over. not have County Court Judgements or Court Decrees, or be bankrupt or otherwise insolvent. have a minimum annual income of £10,000 and not be claiming unemployment benefits. 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, with a £3 monthly fee, your representative APR is 26.2% APR (variable)
Virgin Money Travel Credit Card	Virgin Money Travel Credit Card 12 months 0% on money transfers (2% fee) 12 months 0% on purchases No fees on overseas purchases More info	12 months 0% interest on transfers 0% interest on transfers	0.0% Transfer fee Balance transfer fee	19.9% APR Representative (variable) Representative APR (variable)	More info 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)
HSBC Dual Credit Card	HSBC Dual Credit Card 26 months on balance transfers and purchases £5 minimum balance transfer fee or 2.89% More info	26 months 0% interest on transfers 0% interest on transfers	2.99% Transfer fee Balance transfer fee	22.9% APR Representative (variable) Representative APR (variable)	More info 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, and not hold an HSBC Basic Bank Account Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
aqua classic 6 Month Balance Transfer Credit Card	aqua classic 6 Month Balance Transfer Credit Card 6 months 0% on balance transfers (3% fee) Unlimited access to your credit report Designed to help build your credit rating More info	6 months 0% interest on transfers 0% interest on transfers	3.0% Transfer fee Balance transfer fee	34.9% APR Representative (variable) Representative APR (variable)	More info Can I get this card? ? To get this card you must at least: be 18 or older have a permanent UK address have a UK current bank or building society account not be registered bankrupt in past 18 months or have proceedings have no Country Court Judgements (past 12 months) You cannot transfer balances from store cards or any other card provided by NewDay Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 34.95% (variable) per annum, your representative APR is 34.9% APR (variable)
Halifax 37 Month Balance Transfer Credit Card	Halifax 37 Month Balance Transfer Credit Card 1.39% effective transfer fee (initial 3% fee, 1.61% refunded after 90 days) 3 months 0% on new purchases You may be eligible to apply for this as a second credit card. Terms apply More info	37 months 0% interest on transfers 0% interest on transfers	1.39% Effective fee (3.0% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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)
Lloyds Bank Platinum 35 Month Balance Transfer Credit Card	Lloyds Bank Platinum 35 Month Balance Transfer Credit Card 35 months 0% interest on balance transfers made within 90 days of account opening 1.49% effective transfer fee (initial 3% fee, 1.51% refunded after 90 days) More info	35 months 0% interest on transfers 0% interest on transfers	1.49% Effective fee (3.0% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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)
Debenhams Credit Card Limited offer	Debenhams Credit Card Reward voucher equivalent to £5 to spend in Debenhams 20% off at Debenhams.com from card opening for qualifying customers. Offer ends 23 July 2017 3 points for £1 spent in Debenhams & 1 point for £2 spent outside of Debenhams More info	12 months 0% interest on transfers 0% interest on transfers	2.99% Transfer fee Balance transfer fee	24.9% APR Representative (variable) Representative APR (variable)	More info Can I get this card? ? To get this card you must at least: be 18 years or over be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel) have a current UK bank account and a home or mobile phone number does not already have a card from us have a regular income 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)
marbles classic with 5 months balance transfer offer	marbles classic with 5 months balance transfer offer FastCheck your eligibility with instant response 5 months 0% on balance transfers UK-based customer helpline More info	5 months 0% interest on transfers 0% interest on transfers	3.0% Transfer fee Balance transfer fee	34.9% APR Representative (variable) Representative APR (variable)	More info Can I get this card? ? To get this card you must at least: be 18 or older have a permanent UK address have a UK current bank or building society account not be registered bankrupt in past 18 months or have proceedings have no Country Court Judgements (past 12 months) Additional criteria for acceptance from the lender may apply.
Representative example: When you spend £1,200 at a rate of 34.95% (variable) per annum, your representative APR is 34.9% APR (variable)
Virgin 38 Month Balance Transfer Credit Card	Virgin 38 Month Balance Transfer Credit Card 38 months 0% on balance transfers (1.5% transfer fee) 20 months 0% on money transfers (1.9% transfer fee) 3 months 0% on purchases More info	38 months 0% interest on transfers 0% interest on transfers	1.5% Transfer fee Balance transfer fee	20.9% APR Representative (variable) Representative APR (variable)	More info 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)
Tesco Bank Clubcard Credit Card for 15m Balance Transfer	Tesco Bank Clubcard Credit Card for 15m Balance Transfer 0.85% fee for transfers in first 90 days, 3% fee thereafter The 0% interest period applies to transfers made within 90 days of account opening Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply More info	15 months 0% interest on transfers 0% interest on transfers	0.85% Transfer fee Balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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 Dual Credit Card	Sainsbury’s Bank Dual Credit Card Offer only available until 28 August 2017 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply 3% Balance Transfer fee reduced by refund to 2.74% in first 3 months. 3% thereafter. £3 min at all times. More info	30 months 0% interest on transfers 0% interest on transfers	2.74% Effective fee (3.0% initial fee) Effective balance transfer fee	18.9% APR Representative (variable) Representative APR (variable)	More info 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)

Frequently asked questions

What is a 0% balance transfer credit card

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 credit card debt within a specified time period with 0% 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.

0% balance transfer credit card deals - Top five tips

A 0% credit card balance transfer 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 in the form of lowest APRs, longest 0% periods and lowest balance transfer fees. So a hard nosed approach would be to conider the cheapest balance transfer credit cards to be the best, but there may be other things you’d like to take into account.

Our top five tips on how a 0% credit card balance transfer deal can help you save money. Compare and find the best 0% credit cards balance transfer in 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.

Learn more from our Credit Card Guides

Credit card guides

2017-05-17

Types of credit cards

You can get a credit card for a wide range of uses, far beyond the basics of simply making purchases and paying for them later. You can use credit cards to help pay off other debts using balance transfer or money transfer credit cards, or you can use them to collect rewards and even cashback. […]

2017-05-17

How long does it take to apply for a credit card?

The application for a credit card is usually done online and can be completed in less than five minutes, but the approval process is likely to take a lot longer. However, the time it takes to approve a credit card can often depend on the provider’s own online system, and your credit score, as you […]

2017-05-17

How do refunds and returns work with a credit card?

One of the benefits of paying for goods with a credit card rather than with cash is that your purchases are protected by law. This means if for some reason your goods are faulty, damaged or were never delivered to you, then you should be able to claim the money back via your credit card […]

See more credit cards guides

Credit card news

2017-07-17

Could the end of cash be nigh?

Coins date back to at least the 7th century BC and paper bank notes were first used in China from around 700AD, but, it would seem that the days of physical coins and bank notes could be rapidly coming to an end in the digital age. Visa, the card payment provider, has vowed to “put […]

2017-07-10

New longest ever 0% purchase card

Credit cards’ 0% offer periods have been getting longer and longer over recent years, meaning card holders can avoid paying interest on new purchases for almost three years now. We look at what’s on the market and ask if 0% offer periods could get even longer. What is a 0% purchase card A 0% purchase card […]

2017-07-03

Top DJ publicly shares his card details by mistake – how easy is it to invalidate your fraud protections?

Social media apps like Twitter, Facebook, WhatsApp and Snapchat make it easy to share information with friends. But it should go without saying you need to be careful with what you’re sharing online, and who you share it with. Though, stories like this do crop up, with someone who should know better accidentally sharing their card […]

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Debt help

2015-02-27

10 tips for getting out of debt

Getting into unsustainable debt is frighteningly easy – a few months of irresponsible spending can land you with a debt of tens of thousands that could take years to pay back. Most people experience problem debts at some point in their lives, and it can be difficult to get the situation back under control. Many people borrow money […]

2012-02-23

Debt background guide – Get out of debt

Use this guide to find essential information about how to get out of debt, including ways to reduce debt and how to get help if you’re having debt problems. If you’re starting to feel overwhelmed by your debts, you’re unable to pay them off, or there’s an increasing risk of being taken to court by the people that you […]

2012-02-22

Debt consolidation loans explained

Debt consolidation loans are one way of dealing with overwhelming debts – read our guide to learn more What is loan consolidation? – Loan consolidation is borrowing one large loan to pay off all your other loans Is a debt consolidation loan right for me? – If you are struggling to meet your current monthly […]

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Compare 0% balance transfer credit cards

Check your eligibility for credit cards

Barclaycard Platinum 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 32 Month Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

Bank of Scotland Platinum 39 Month Balance Transfer Credit Card

Bank of Scotland Platinum 39 Month Balance Transfer Credit Card

Halifax 40 Month Balance Transfer Credit Card

Halifax 40 Month Balance Transfer Credit Card

MBNA All Round Credit Card

MBNA All Round Credit Card

Lloyds Bank Platinum 29 Month Purchase and Balance Transfer Credit Card

Lloyds Bank Platinum 29 Month Purchase and Balance Transfer Credit Card

Lloyds Bank Platinum 39 Month Balance Transfer Credit Card

Lloyds Bank Platinum 39 Month Balance Transfer Credit Card

Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

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 Clubcard Credit Card for 32m Balance Transfer

Tesco Bank Clubcard Credit Card for 32m Balance Transfer

TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

Barclaycard Hilton HHonors Platinum Credit Card

Barclaycard Hilton HHonors Platinum Credit Card

Post Office Matched Credit Card

Post Office Matched Credit Card

Clydesdale Bank Gold MasterCard

Clydesdale Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

Virgin 32 Month Balance Transfer Credit Card

Virgin 32 Month Balance Transfer Credit Card

Virgin All Round Credit Card

Virgin All Round Credit Card

Virgin Money No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

Bank of Scotland Platinum 25 Month Balance Transfer Card

Bank of Scotland Platinum 25 Month Balance Transfer Card

Bank of Scotland Platinum 29 Month Purchase and Balance Transfer Credit Card

Bank of Scotland Platinum 29 Month Purchase and Balance Transfer Credit Card

Lloyds Bank Platinum 25 Month Balance Transfer Credit Card

Lloyds Bank Platinum 25 Month Balance Transfer Credit Card

Halifax 29 Month Purchase and Balance Transfer Credit Card

Halifax 29 Month Purchase and Balance Transfer Credit Card

Bank of Scotland Platinum 32 Month Balance Transfer Credit Card

Bank of Scotland Platinum 32 Month Balance Transfer Credit Card

Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

The AA Dual Credit Card

The AA Dual Credit Card

Virgin 41 Month Balance Transfer Credit Card

Virgin 41 Month Balance Transfer Credit Card

Capital One Balance Transfer Card

Capital One Balance Transfer Card

HSBC Credit Card

HSBC Credit Card

Barclaycard Platinum 24 Month Balance Transfer

Barclaycard Platinum 24 Month Balance Transfer

Halifax 33 Month Balance Transfer Credit Card

Halifax 33 Month Balance Transfer Credit Card

Post Office Money Balance Transfer Credit Card

Post Office Money Balance Transfer Credit Card

Virgin 36 Month Money Transfer Credit Card

Virgin 36 Month Money Transfer Credit Card

Tesco Bank Clubcard Credit Card for Money Transfers

Tesco Bank Clubcard Credit Card for Money Transfers