We round up five of the 0 per cent best balance transfer credit cards on the market.
Many people wait until the New Year to sort out their finances.
However, make a start now and you could grab yourself a top deal, particularly when it comes to balance transfer credit cards.
1. Barclaycard Platinum credit card
For people in the market for a balance transfer deal, Barclaycard's Platinum credit card is definitely worth considering.
It offers 29 months interest-free on balance transfers - currently the longest interest-free period available in the UK, with Barclaycard having recently withdrawn its 30-month offer.
The handling fee - the amount you pay for moving your debt from one card to another - is currently reduced from 3.5 to 2.79 per cent.
If you're transferring a balance of £3,000, for example, you would pay a fee of £83.70.
2. Tesco Clubcard credit card for balance transfers
Barclaycard won't allow people that already own one of its credit cards to apply for the 29-month deal mentioned above.
So existing Barclaycard customers might want to take a look at the Tesco Clubcard credit card instead.
The interest–free period is almost as long - at 28 months - and the handling fee is a competitive 2.9 per cent.
3. MBNA Platinum credit card
People who have overdraft debt to clear as well as a credit card balance to shift may want to consider the MBNA Platinum credit card.
For a relatively low 2.39 per cent fee, it gives customers 0 per cent on balance transfers for a respectable 27 months.
But one of the main attractions of the card is that it also offers 0 per cent on money transfers for 27 months too.
A money transfer credit card lets you move credit to your current account – topping up your bank balance and allowing you to pay off your overdraft if you’re in the red.
You then get a 0 per cent period – 27 months in this case - in which to pay off the sum interest-free.
4. Fluid Low Fee balance transfer credit card
The cards mentioned above can be great for people with larger sums to clear - up to £3,000 - as many are likely to need as long as possible to pay off their debt.
However, those who can pay off their balance in about a year could benefit from a card with a shorter 0 per cent period as it may have a much lower transfer fee.
The Fluid Low Fee balance transfer card is one example.
It offers 12 months at 0 per cent interest on balance transfers and has a low 0.75 per cent handling fee.
5. Halifax All in One credit card
The Halifax All in One credit card is a great all-rounder.
It gives people 15 months interest-free on both purchases and balance transfers.
This makes it a great option if you want interest-free spending.
And with a low 0.8 per cent fee on balance transfers, it is a great option for those that have existing credit card debt to transfer too.
'A great time to switch'
Nerys Lewis, head of credit cards at Confused.com, says: "If you’re paying interest on your current credit card, now is a great time to switch as the deals have never been better.
"However, it’s worth knowing that balance transfer cards – especially those with the best deals - are typically aimed at customers with a good credit rating.
"If you are not sure about your credit rating, you can use Confused.com's free Card Matcher tool before you apply.
"This allows you to check your likelihood of acceptance for any of the credit cards we have on offer."
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