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Compare no fee balance transfer credit cards

No fee balance transfer cards

Switch your credit card debt to a 0% deal without paying a fee for it
No fee balance transfer credit cards
Fill out a few details to see our best no-fee balance transfer deals, tailored for you
Author
James Andrews
Editor
Salman Haqqi
Last updated
January 31, 2023
55 results found, sorted by popularity.
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MBNA Dual 0% Transfer and Purchase Credit Card

Interest on balance transfers
0%for22months with a2.99%fee
Representative APR (variable)
22.9%APR
Balance transfer fee
2.99%
Pay the balance over
20months with fees & interest of£89.70
Representative example:
The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Additional information
  • Balance transfers – 0% for up to 22 months on balance transfers made within the first 60 days of account opening (2.99% Transfer Fee)
  • Purchases – 0% for up to 22 months on purchases made within the first 60 days of account opening
  • Money transfers – 0% for up to 12 months on money transfers made within the first 60 days of account opening (4% Transfer Fee)
  • You may be eligible to apply for this as a second credit card. Terms apply
Eligibility
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • not have been declined for an MBNA credit card within the last 30 days
  • cannot transfer between another MBNA account

M&S Bank Shopping Plus Credit Card

Interest on balance transfers
0%for18months with a2.99%fee (£5 min.)
Representative APR (variable)
23.9%APR
Balance transfer fee
2.99%(£5 min.)
Pay the balance over
20months with fees & interest of£94.45
Representative example:
The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Additional information
  • 0% on purchases for 21 months
  • Collect one point per £1 spent at M&S online and in-store. Collect one point per £5 spent elsewhere and abroad. You will be rewarded in vouchers to spend at M&S
  • 0% on balance transfers for 18 months, available for 90 days from account opening (2.99% fee applies, minimum £5)
Eligibility
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident
  • have an annual income/pension of at least £6,800
  • additional criteria for acceptance from the lender may apply

Halifax Longest 0% Balance Transfer Credit Card

Interest on balance transfers
0%for29months with a3.49%fee
Representative APR (variable)
22.9%APR
Balance transfer fee
3.49%
Pay the balance over
20months with fees & interest of£104.70
Representative example:
The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Additional information
  • Pay 0% interest for up to 29 months on balances you transfer in the first 90 days (3.49% transfer fee)
  • 0% on purchases made in the first 6 months of card opening
  • You may be eligible to apply for this as a second credit card. Terms apply
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not been declined a Halifax Bank credit card within the last 30 days
  • can't transfer from another Halifax account
  • additional criteria for acceptance from the lender may apply

Lloyds 0% Purchase and Balance Transfer Card

Interest on balance transfers
0%for15months with a2.99%fee
Representative APR (variable)
22.9%APR
Balance transfer fee
2.99%
Pay the balance over
20months with fees & interest of£123.42
Representative example:
The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Additional information
  • Up to 15 months 0% on balance transfers (2.99% fee) made within 90 days of account opening 5% fee thereafter.
  • 0% on purchases made in the first 17 months from account opening.
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not been declined a Lloyds Bank credit card within the last 30 days
  • can't transfer from another Lloyds Bank account
  • additional criteria for acceptance from the lender may apply

Barclaycard Platinum Balance Transfer (22/24)

Interest on balance transfers
0%for22months with a2.9%fee
Representative APR (variable)
22.9%APR
Balance transfer fee
2.9%
Pay the balance over
20months with fees & interest of£87.00
Representative example:
The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Additional information
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.
  • 24 months 0% on purchases
  • 22 months 0% balance transfer (2.9% transfer fee applies. Terms and conditions apply).
  • Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply
Eligibility
  • be a permanent UK resident
  • be 21 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
  • additional criteria for acceptance from the lender may apply

Sainsbury's Bank Balance Transfer Credit Card (30 Mths)

Interest on balance transfers
0%for30months with a2.89%fee (£3 min.)
Representative APR (variable)
21.9%APR
Balance transfer fee
2.89%(£3 min.)
Pay the balance over
20months with fees & interest of£86.70
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 30 or 22 months, depending on your individual circumstances.
  • A Balance Transfer fee of 2.89% or 4% applies to transfers made within the first 3 months (£3 minimum). The charge will depend on the offer available at the time.
Eligibility
  • be a UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder
  • additional criteria for acceptance from the lender may apply
Uswitch Limited is a credit broker, not a lender, for consumer credit.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What are 0% fee balance transfer cards?

These are cards that allow you to transfer an existing credit card debt to a new card, without being charged the usual upfront transfer fees.

Typically, balance transfer fees are about 1%-4%.

If you move to a card charging 0% interest or low interest on balance transfers, this could save you a lot of money.

No-fee balance transfer cards typically have shorter 0% interest periods than ones that do charge.

To get the best deals you will need to have a good credit score.

No-fee balance transfer cards are perfect for people with smaller debts looking to save on interest."

How do no-fee balance transfer cards work?

Balance transfer credit cards with zero fees work just the same as any other balance transfer credit card, just they don’t charge an upfront fee to transfer your balance.

A balance transfer card allows you transfer existing credit card debts to it.

Many typically offer a 0% interest period so you can avoid paying interest on your card debts for a set period of time which can be 12 months or more.

% of cards charging interest on balances[1]
51%

Watch: What will a credit card cost me?

Advantages and disadvantages of no-fee balance transfer credit cards

Advantages
You can save money on interest
You could clear your debt faster
It's free to make the switch
Disadvantages
Typically shorter 0% interest periods than fee-charging deals
You'll need a good credit score to get the best deals
A potentially higher interest rate on any purchases made with the card
Average 0% interest free periods on UK credit cards
How many months interest free different sordts of credit cards are offering on average.

Source: Defaqto and Uswitch data, correct as of December 19, 2022

How to find a no-fee balance transfer credit card

You can see some of our best no-fee balance transfer cards in the table at the top of this page.

Filter the tables by ‘transfer fee’ to find the balance transfer cards that charge zero for upfront transfer fees. If you go through our card-finder tool there might also be more results available, depending on your credit score.

Also, it is worth understanding the difference between initial and effective fees.

Many cards charge an initial upfront fee that is refunded once you make your first repayment, the fee after the refund is the effective fee.

Some cards may have an effective fee of 0% but will charge an initial fee, so it’s worth checking out the small print and comparing carefully.

Try to calculate what the overall cost might be to pay off the balance you are transferring, to find the best deal."

Compare no-fee balance transfer cards
See what's available and check your eligibility before applying with our card finder tool
1
Answer a few simple questions about yourself
2
We match you with the no balance transfer fee credit cards you're most likely to get
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Your credit score won't be affected by the search

No balance transfer fee credit card FAQs

Do balance transfers hurt your credit score?

No. The act of transferring a balance to a new credit card in and of itself does no damage to your credit score.

However, there are two things that might negatively affect your credit worthiness about the process if you're not careful.

Firstly, applying for a new credit card is always recorded on your credit history. That means applying for a lot of cards in a short space of time can make other lenders nervous about offering you a product as well.

Card finder and eligibility checker tools don't show up to other lenders on your credit score, however, so it's wise to use one before applying to limit the number of applications you'll have to make.

Secondly, lenders look at something called your "total available credit" before making a decision. This is worked out by adding up all your credit card and overdraft limits.

A new card adds to this total, but unless you've already got a large number of cards with high credit limits - for example equal to your annual salary - it probably won't be a problem.

Is interest free credit really interest free?

Yes, but that doesn't mean you'll pay nothing to borrow.

First, there may well be a fee attached to a credit card balance transfer or money transfer.

Secondly, if you don't clear your debt withing the 0% period you'll be charged interest on any money remaining on the account at the end of it.

Can I get a balance transfer credit card with bad credit?

Your options for balance transfer credit cards will be limited if you have bad credit. Most credit cards transfer deals will only accept people with a good or excellent credit rating.

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

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.

What does 'most popular and ‘popularity’ mean?

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

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

Credit card guides

Find out more about how credit cards work with our in-depth guides
How many credit cards can you have?
How many credit cards can you have?
How to use a credit card
How to use a credit card
What are the differences between credit and debit card?
What are the differences between credit and debit card?

About the author

Author imageJames Andrews
James Andrews
James has spent the past 20 years writing about and editing personal finance articles and guides in the UK. His driving mission has been to help people make better decisions with their money.

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References
1. UK Finance card spending statistics: August 2022