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Check your eligibility for credit cards

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

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Popularity APR Money Transfers Money Transfer Fee
MBNA All Round Credit Card

MBNA All Round Credit Card

MBNA All Round Credit Card

  • Up to 26 months 0% on balance transfers (2.95% fee) in first 60 days, 20.9% p.a. with 5 % fee thereafter
  • Up to 26 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
18.9% APR
Representative (variable)
26 months
0% on transfers
4.0%
Transfer fee
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
  • cannot transfer 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)
Virgin All Round Credit Card

Virgin All Round Credit Card

2016 award winner

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
18.9% APR
Representative (variable)
25 months
0% on transfers
2.0%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin Money No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

2016 award winner

Virgin Money No Balance Transfer Fee Credit Card

  • 4% money transfer fee in first 60 days, 5% thereafter
  • 24 months 0% on balance transfers (0% fee in first 60 days, 5% thereafter)
  • 3 months 0% on purchases
19.9% APR
Representative (variable)
24 months
0% on transfers
4.0%
Transfer fee
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 41 Month Balance Transfer Credit Card

Virgin 41 Month Balance Transfer Credit Card

2016 award winner

Virgin 41 Month Balance Transfer Credit Card

  • 41 months 0% for balance transfers (3.19% transfer fee)
  • 3 months 0% on purchases
20.9% APR
Representative (variable)
41 months
0% on transfers
3.79%
Transfer fee
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)
Virgin 32 Month Money Transfer Credit Card

Virgin 32 Month Money Transfer Credit Card

2016 award winner

Virgin 32 Month Money Transfer Credit Card

  • 1.69% transfer fee
  • 32 months 0% for balance transfers; 3 months 0% for purchases
19.9% APR
Representative (variable)
32 months
0% on transfers
1.69%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin 36 Month Money Transfer Credit Card

Virgin 36 Month Money Transfer Credit Card

2016 award winner

Virgin 36 Month Money Transfer Credit Card

  • 36 months 0% for balance transfers 2.39% transfer fee)
  • 3 months 0% for purchases
20.9% APR
Representative (variable)
36 months
0% on transfers
2.39%
Transfer fee
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

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.
18.9% APR
Representative (variable)
40 months
0% on transfers
3.94%
Transfer fee
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 Money 30 Month Balance Transfer Credit Card

Virgin Money 30 Month Balance Transfer Credit Card

2016 award winner

Virgin Money 30 Month Balance Transfer Credit Card

  • 4% money transfer fee for first 60 days, 5% thereafter
  • 30 months 0% for balance transfers (0.59% fee)
  • 3 months 0% for purchases
19.9% APR
Representative (variable)
30 months
0% on transfers
4.0%
Transfer fee
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)
MBNA Platinum 41 Month Credit Card

MBNA Platinum 41 Month Credit Card

MBNA Platinum 41 Month Credit Card

  • 4% transfer fee for first 60 days, 22.9 APR and 5% thereafter
  • 41 months 0% balance transfers (3.45% balance transfer fee for the first 60 days, 20.9% APR and 5% fee thereafter)
18.9% APR
Representative (variable)
20 months
0% on transfers
4.0%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer 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)
Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
18.9% APR
Representative (variable)
40 months
0% on transfers
3.94%
Transfer fee
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)
nuba transfer credit card

nuba transfer credit card

£20 Amazon voucher

nuba transfer credit card

  • 3.49% balance transfer fee within 60 days, 20.9% APR and 5% fee thereafter
  • 20 months 0% money transfers (4% transfer fee for first 60 days, 22.9 APR and 5% thereafter)
18.9% APR
Representative (variable)
20 months
0% on transfers
4.0%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer from 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)
nuba all round credit card

nuba all round credit card

£20 Amazon voucher

nuba all round credit card

  • Up to 25 months 0% on balance transfers (2.39% fee) in first 60 days, 20.9% p.a. with 5 % fee thereafter
  • Up to 25 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
18.9% APR
Representative (variable)
25 months
0% on transfers
4.0%
Transfer fee
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
  • cannot transfer from 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)
MBNA Platinum 40 Month Credit Card

MBNA Platinum 40 Month Credit Card

MBNA Platinum 40 Month Credit Card

  • 2.35% balance transfer fee for the first 60 days, 20.9% APR and 5% fee thereafter
  • 20 months 0% money transfers (4% transfer fee for first 60 days, 22.9 APR and 5% thereafter)
18.9% APR
Representative (variable)
20 months
0% on transfers
4.0%
Transfer fee
Can I get this card?
?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer 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)

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

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

Frequently asked questions

What is a money transfer credit card?

A money transfer card enables you to transfer money from your credit card to bank account, effectively giving you a small cash loan.

How does a money transfer credit card work?

A credit card money transfer works in a similar way to a balance transfer credit card, only it transfers money into your bank account instead of to your credit card. You are then in debt on your money-transfer card, however the best money transfer cards have 0% interest periods lasting over two years.

Although you will have to pay a fee to transfer the money, which will be around 1% to 3% of the money transferred.

What is it used for?

You can use it to pay off overdrafts that are becoming expensive or to get cash to make a purchase that requires cash, rather than credit. You can also use the money from your current account to pay off loans that have high interest rates.

The 0% interest period on money transfer credit cards allows you to put-off paying interest on your debt, if you can pay back the balance before the interest-free period expires you can avoid paying interest all-together.

What to look out for

Money transfer cards usually trade off the length of the interest free period against the transfer fee, so the longer the 0% period the bigger the transfer fee and vice versa.

So it’s worth working out what’s better for you. Whether a lower transfer fee for a shorter interest free period could save you more money than a longer time spent not paying interest largely depends on how long it will take you to pay off the debt.

If you think you can pay off the debt in a shorter time you’d be better off going for the cheaper transfer fees.

Also, bear in mind that most money transfer cards do not offer interest free purchases for the same period as the 0% balance transfer period.

How can I use a money transfer credit card to save money?

For example, let’s say you have a debt of £1500. An APR of 20% will add £25 a month onto the debt (or £300 a year). Transferring money from a card for a one-off 3% fee will cost you £45, you can then have a holiday from paying interest for between three months and two years.

However, like a balance-transfer card or 0% purchase card, you will need to meet your minimum monthly repayments or you risk losing your interest free period.

Are money transfer credit cards the best way to borrow cash?

Credit card transfers can be an effective way of borrowing small amounts of money over the short term without paying interest. However, typically you will need a good credit rating and make sure to meet the minimum repayments.

If you do not repay the card before the interest-free period expires you will be charged the full interest on your remaining debt.

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.