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.
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Compare the Best 0% Balance Transfer Credit Cards

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Balance Transfer Rate and PeriodBalance Transfer FeeAdditional InformationSearch all243 Credit Cards
 
Virgin Money

Virgin 40 Month Balance Transfer Credit Card MasterCard
0.0% for 40 months from date of card issue.2.99%
Min: £3.00
  • The longest balance transfer term available
  • Only available for a limited period
  • Contactless payments up to £20
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 36 Month Balance Transfer Visa
0.0% for 36 months from date of card issue.2.39%
  • One of the longest balance transfer card available
  • Can't change payment due date
  • Contactless payments up to £20
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. 
Halifax

36 Month Balance Transfer Credit Card MasterCard
0.0% for 36 months from date of card issue.2.45%
  • One of the longest balance transfer term available
  • 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. 
MBNA Limited

MBNA Platinum 36 Month Balance Transfer Credit Card Visa
0.0% for 36 months from date of card issue.2.48%
Min: £3.00
  • One of the longest balance transfer periods available
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
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. 
Virgin Money

Virgin 36 Month Balance Transfer Credit Card MasterCard
0.0% for 36 months from date of card issue.2.50%
Min: £3.00
  • High rate for cash withdrawals
  • [gOne of the longest balance transfer term available
  • Contactless payments up to £20
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

Platinum 36 Month Balance Transfer MasterCard
0.0% for 36 months from date of card issue.3.00%
  • 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 36 Month Balance Transfer MasterCard
0.0% for 36 months from date of card issue.3.00%
  • One of the longest balance transfer cards available
  • Can't change payment due date
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.94% variable per annum for purchases. Representative 18.9% APR variable. 
Tesco Bank

Clubcard Credit Card for Balance Transfer MasterCard
0.0% for 35 months from date of transfer.2.70%
  • 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. 
Virgin Money

Virgin 34 Month Balance Transfer Credit Card MasterCard
0.0% for 34 months from date of card issue.2.25%
Min: £3.00
  • 0% on balance and money transfers for 34 months
  • High rate for cash withdrawals
  • Contactless payments up to £20
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. 
Sainsbury's Bank

Nectar Balance Transfer Credit Card MasterCard
0.0% for 34 months from date of card issue.2.89%
Min: £3.00
  • 0% on balance transfers for 34 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. 
HSBC

Credit Card Visa
0.0% for 32 months from date of transfer.1.40%
Min: £5.00
  • 0% balance transfers for 32 months
  • Rates dependent on credit rating
  • Manage your card online
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. 
Virgin Money

Virgin 32 Month Balance Transfer Credit Card MasterCard
0.0% for 32 months from date of card issue.1.50%
Min: £3.00
  • 0% on balance and money transfers for 32 months
  • High rate for cash withdrawals
  • Contactless payments up to £20
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. 
Compare
Last Updated: Tuesday 1 September 2015 00:25

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:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.

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.

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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.

 

 

 
 
International Money Transfers Based on £10,000 into Euros

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