Compare the best 0% balance transfer credit cards – 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.
 
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Compare the Best 0% Balance Transfer Credit Cards

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Balance Transfer Rate and PeriodBalance Transfer FeeAdditional InformationSearch all209 Credit Cards
 
Halifax

41 Month Balance Transfer Credit Card MasterCard
0.0% for 41 months from date of card issue.3.18%
  • 0% for 41 months on balance transfers
  • Rates dependent on credit rating
  • You may be offered alternative terms
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Virgin Money

Virgin 41 Month Balance Transfer Credit Card MasterCard
0.0% for 41 months from date of card issue.3.19%
Min: £3.00
  • 0% on balance transfers for 41 months
  • High rate for cash withdrawals
  • Contactless payments up to £30
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 20.9% variable per annum for purchases. Representative 20.9% APR variable. 
nuba

Transfer Credit Card MasterCard
0.0% for 41 months from date of card issue.3.29%
  • 0% on balance transfers for 41 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. 
MBNA Limited

MBNA Platinum 41 Mth Balance Transfer Credit Card Visa
0.0% for 41 months from date of card issue.3.49%
  • 0% on balance transfers for 41 months
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Santander

All in One Credit Card MasterCard
0.0% for 40 months from date of card issue.1.00%
Min: £5.00
  • 0.5% cashback on purchases
  • Monthly fee of £3
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 15.9% variable per annum for purchases. Fee of £3 per month applies. Representative 21.7% APR variable. 
Bank of Scotland

Platinum 40 Month Balance Transfer MasterCard
0.0% for 40 months from date of card issue.1.94%
  • 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 40 Month Balance Transfer MasterCard
0.0% for 40 months from date of card issue.1.94%
  • 0% for 40 months on balance transfers
  • 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. 
Sainsbury's Bank

Long Balance Transfer Credit Card MasterCard
0.0% for 40 months from date of card issue.2.89%
Min: £3.00
  • 0% on balance transfers for 40 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. 
Tesco Bank

Clubcard Credit Card for Balance Transfers MasterCard
0.0% for 40 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...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.941% variable per annum for purchases. Representative 18.9% APR variable. 
Barclaycard

Platinum 37 Month Balance Transfer Visa
0.0% for 37 months from date of card issue.1.44%
  • 0% for 37 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 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.2.49%
  • 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. 
AA

Balance Transfer Credit Card MasterCard
0.0% for 37 months from date of card issue.2.50%
  • 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 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
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Last Updated: Friday 9 December 2016 08:48

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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.

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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.

 

 

 
 

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