0% Balance Transfer Credit Cards - Best Deals | moneyfacts.co.uk

Compare the best balance transfer credit cards

  - Repay your debt sooner with a 0% balance transfer card. Compare the longest 0% deals and start clearing your balance.
Also look at:

Compare the Best 0% Balance Transfer Credit Cards

Compare
Up to 3 products
side by side
Balance Transfer Rate and PeriodBalance Transfer FeeAdditional InformationSearch all202 Credit Cards
 
MBNA Limited

MBNA Platinum 39 Mth Balance Transfer Credit Card Visa
0.0% for 39 months from date of card issue.1.99%
  • 0% on balance transfers for 39 months
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Virgin Money

39 Month Balance Transfer Credit Card MasterCard
0.0% for 39 months from date of card issue.2.40%
  • 0% on balance transfers for 39 months
  • High rate for cash withdrawals
  • Contactless payments up to £30
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 20.9% variable per annum for purchases. Representative 20.9% APR variable. 
Tesco Bank

Clubcard Credit Card for Balance Transfers MasterCard
0.0% for 39 months from date of card issue.2.69%
  • Earn Tesco Clubcard points for spending on your card
  • High cash rate
  • No fees on Tesco travel money
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.941% variable per annum for purchases. Representative 18.9% APR variable. 
Sainsbury's Bank

39 Month BT for Nectar Customers Credit Card MasterCard
0.0% for 39 months from date of card issue.2.89%
Min: £3.00
  • 0% on balance transfers for 39 months
  • No Contactless payments
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
nuba

Transfer Credit Card MasterCard
0.0% for 39 months from date of card issue.3.49%
  • 0% on balance transfers for 39 months
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Barclaycard

Platinum 38 Month Balance Transfer Visa
0.0% for 38 months from date of card issue.1.45%
  • 0% for 38 months on balance transfers
  • Can't change payment due date
  • Contactless payments up to £30
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Virgin Money

38 Month Balance Transfer Credit Card MasterCard
0.0% for 38 months from date of card issue.1.50%
  • 0% on balance transfers for 38 months
  • High rate for cash withdrawals
  • Contactless payments up to £30
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 20.9% variable per annum for purchases. Representative 20.9% APR variable. 
Halifax

Online 38 Month Balance Transfer Credit Card MasterCard
0.0% for 38 months from date of card issue.2.25%
Min: £3.00
  • 0% for 38 months on balance transfers
  • Rates dependent on credit rating
  • You may be offered alternative terms
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
AA

Balance Transfer Credit Card MasterCard
0.0% for 37 months from date of card issue.1.99%
  • 0% on balance transfers for 37 months
  • Rates dependent on credit rating
  • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Ltd is a credit broker and not a lender
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Post Office Money®

Post Office Money Balance Transfer Credit Card MasterCard
0.0% for 37 months from date of transfer.1.99%
  • 0% on balance transfers for 37 months
  • Rates dependent on credit rating
  • Contacless payments up to £30
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Bank of Scotland

Online Platinum 37 Month Balance Transfer MasterCard
0.0% for 37 months from date of card issue.2.00%
  • Emergency card replacement
  • £5 charge if you need to change payment due date
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Lloyds Bank

Online Platinum 37 Month Balance Transfer MasterCard
0.0% for 37 months from date of card issue.2.00%
  • 0% for 37 months on balance transfers
  • Rates dependent on credit rating
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.94% variable per annum for purchases. Representative 18.9% APR variable. 
Compare
Last Updated: Thursday 19 October 2017 07:48

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

Search All Credit Cards >>
 

What are 0% Balance Transfer Credit Cards?

If you already have some credit card debt or an overdraft, you may be able to repay your debt more efficiently (and therefore faster) by transferring it to a 0% Balance Transfer Credit Card.

It works like this: the credit card provider doesn’t charge you interest on any balances transferred for a set period, in order to tempt you to apply for the card. You normally have to pay a Balance Transfer Fee (each time you transfer a balance), usually around 3% of the amount your transfer onto the new card.  Compare this with the high rates of interest you may be paying for your debts at present, this can still work out much cheaper.

While you benefit from paying no interest, it’s a good idea to pay off as much of your debt as possible, rather than simply  making the minimum payment. Alternatively you could pay the minimum payment on the credit card every month and put aside money in a savings account so that you earn interest in the meantime, and then pay off the credit card balance before the introductory offer ends.

Warning! If you make purchases using a Balance Transfer Card you might be charged interest on your spending.  However, some 0% Balance Transfer Credit Cards also offer a 0% purchase period – although these tend to be relatively short in comparison to the best stand-alone 0% Purchase Credit Cards. In order to get the best of both worlds, some people have a separate credit card for purchases.

 

 

 
 
 
 
Free credit score with Experian

Card Tools

Improve your credit ratingImprove your credit rating
If you've been rejected from a card application or think you have a poor credit rating, find out how you can get accepted. A simple thing like not being on the electoral roll could be the reason.

Credit repayment calculatorCredit repayment calculator
Find out how long it will take to clear your Credit Card.

Credit repayment term calculatorCredit repayment term calculator
Want to clear your credit card as quickly as possible?

Could you benefit from credit card stoozing?
Could you benefit from credit card stoozing?

It’s always good to get something for nothing, but what if you could actually make money from it? Th... More

Cashback dwindles for credit card customers
Cashback dwindles for credit card customers

At one time, spending on credit cards was a viable way to earn cashback, yet the number of card prov... More

Bad news for borrowers: 0% terms fall as APR rises
Bad news for borrowers: 0% terms fall as APR rises

The 0% interest market has been booming in recent years, but the tide could be starting to turn – ou... More

Consumers spend £57.8bn on cards
Consumers spend £57.8bn on cards

Spending on debit and credit cards shows no signs of slowing down. If anything, it’s continuing to r... More

Reward card perks being cut, so get the best deals
Reward card perks being cut, so get the best deals

Reward credit cards have long been used as a way for financially savvy individuals to make their mon... More

Guide to 0% balance transfer credit cards
Guide to 0% balance transfer credit cards

Getting a long 0% balance transfer credit card can reduce your debt quickly and cheaply. But there a... More

Find your credit card providers
Find your credit card providers

Find out who provides your credit card. Most branded cards are issued by another provider – this cou... More

What type of credit card is best?
What type of credit card is best?

They’re so easy aren’t they: credit cards? It lands on your doormat, 85.60 x 53.98mm of pure spendin... More

Post Office Money 0% interest card now no. 1
Post Office Money 0% interest card now no. 1

Post Office Money has increased the introductory 0% interest terms on its balance transfer and purch... More

Sainsbury’s no. 1 purchase credit card
Sainsbury’s no. 1 purchase credit card

Sainsbury’s Bank has increased the introductory term on its leading 0% purchase credit card, which h... More

Lloyds’ top 0% interest credit card
Lloyds’ top 0% interest credit card

Lloyds Bank has increased the introductory 0% interest terms on its balance transfer and purchase cr... More

0% interest credit card terms increased
0% interest credit card terms increased

Bank of Scotland has increased the introductory 0% interest terms on its balance transfer and purcha... More

Halifax improves 0% interest credit card
Halifax improves 0% interest credit card

Halifax has increased the introductory 0% interest terms on its balance transfer and purchase credit... More

Close