Balance transfer credit cards

If you have a balance of £2,000 accruing interest at 17.9% APR you could save £525.37 in interest charges over 22 months after paying the balance transfer fee of 2.9% (assuming you pay off 1% of your balance plus any charges or fees, on time each month).

  • See if you can save with a 0% Balance Transfer Credit Card
  • Reduce your balance with our credit card offers from top UK providers
  • With a 0% credit card you could save up to £525 in interest charges

Barclaycard Platinum

Cara
 

Barclaycard's longest transfer period

  • 0% interest for 22 months on balance transfers (2.9% fee)
  • Plus, get a £30 fee refund when you transfer a balance of £2,500 or more

Representative Example: if you spend £1,200 with a purchase rate of 17.9% then your Representative APR will be 17.9% (variable)

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Barclaycard Platinum
22 months
0.0% interest
2.90% 3 months
0.0% interest

Shopping Rewards

17.9%
APR
Details »
Card info Card rating

**£30 fee refund on balance transfers over £2,500- valid throughout May 2012 only!**

Representative example: If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  •  Defaqto 5 stars
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Natwest Platinum
22 months
0.0% interest
3.20% 6 months
0.0% interest

no rewards

17.9%
APR
Details »
Card info Card rating

Available to those aged 18 or over with an income of at least £10,000

Representative example: If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
RBS Platinum
22 months
0.0% interest
3.20% 6 months
0.0% interest

no rewards

17.9%
APR
Details »
Card info Card rating

Available to those aged 18 or over with an income of at least £10,000

Representative example: If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Halifax Balance Transfer
22 months
0.0% interest
3.50% 3 months
0.0% interest

no rewards

17.9%
APR
Details »
Card info Card rating

Annual income of £20,000 or more only. Halifax's longest ever balance transfer offer

Representative example: If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Barclaycard Platinum 21 Months
21 months
0.0% interest
2.60% 3 months
0.0% interest

no rewards

17.9%
APR
Details »
Card info Card rating

Limited offer: BT handling fee reduced to 2.6% for everyone. Terms apply

Representative example: If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Virgin Balance Transfer
20 months
0.0% interest
2.99% 3 months
0.0% interest

shopping
points

16.8%
APR
Details »
Card info Card rating

Exclusive savings across the Virgin group and beyond- get an instant decision

Representative example: If you spend £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
MBNA Credit Card
20 months
0.0% interest
2.99% 3 months
0.0% interest

no rewards

16.9%
APR
Details »
Card info Card rating

Transfer money to your current account for 20 months (4% fee applies)

Representative example: If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Halifax 20 Month Balance Transfer
20 months
0.0% interest
3.00% 3 months
0.0% interest

no rewards

16.9%
APR
Details »
Card info Card rating

Online fraud protection & account management. Minimum income £20,000

Representative example: If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Nationwide Select
20 months
0.0% interest
3.10% 12 months
0.0% interest

cashback

12.9%
APR
Details »
Card info Card rating

Available to new & existing Flex account holders. Plus, 0.5% unlimited cashback.

Representative example: If you spend £1,200 at an annual interest rate of 12.9% (variable) your Representative APR will be 12.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Nationwide
20 months
0.0% interest
3.10% 3 months
0.0% interest

no rewards

15.9%
APR
Details »
Card info Card rating

Join the 'Rewards for Abroad' scheme to earn your commission-free allowance

Representative example: If you spend £1,200 at an annual interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Bank of Scotland Plus Card
18 months
0.0% interest
3.00% 3 months
0.0% interest

no rewards

16.9%
APR
Details »
Card info Card rating

Balance transfers from other BoS or Halifax cards not valid for the 0% BT offer

Representative example: If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Barclaycard Platinum With BT (Low Fee)
17 months
0.0% interest
1.60% 3 months
0.0% interest

shopping
points

18.9%
APR
Details »
Card info Card rating

**0% balance transfer period increased to 17 months- valid throughout May only!**

Representative example: If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Halifax Balance Transfer
17 months
0.0% interest
3.00% 3 months
0.0% interest

no rewards

16.9%
APR
Details »
Card info Card rating

Applying only takes a few minutes and you'll get an instant decision

Representative example: If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Virgin All Round
16 months
0.0% interest
1.99% 6 months
0.0% interest

shopping
points

15.8%
APR
Details »
Card info Card rating

Exclusive savings across the Virgin group and beyond- get an instant decision

Representative example: If you spend £1,200 at an annual interest rate of 15.8% (variable) your Representative APR will be 15.8% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
AA Balance Transfer
16 months
0.0% interest
2.90% 3 months
0.0% interest

no rewards

17.9%
APR
Details »
Card info Card rating

Earn Rewards Points towards AA motoring services, insurance or shopping vouchers

Representative example: If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
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Got a question about balance transfers?

  • What is a balance transfer?
    Answer: This is when you can use your credit card to pay off a balance on another card or overdraft, effectively transferring the balance on your previous card or account onto your new credit card. By choosing a credit card with 0% interest on balance transfers you could save yourself the costs other cards or accounts have for balances/overdrafts.
  • Is there a limit on how much I can transfer?
    Answer: Most credit card do have a limit as to how much you can transfer but with some cards this can be anywhere up to 95% of your credit limit. So when checking out which credit card is right for you make sure you consider how much you wish to transfer and if the card you are looking at will allow this amount to be transferred.
  • What happens when the 0% introductory period ends?
    Answer: Once an introductory offer ends the interest rate will return to its normal APR, so it is very important that you keep an eye on when this end date is. If you have not paid off the balance in the introductory period you should look to transfer the balance again to another 0% balance transfer card in order to avoid the spike in the interest rate.

Balance Transfer Credit Cards: Help, Tips & Providers

What is a balance transfer credit card?

A balance transfer credit card is a card that allows you to transfer the balance from an existing credit account to it. They typically offer 0 per cent introductory periods, allowing you to pay down the balance on the card without paying interest. The cards allow you to transfer from several cards at once to your new card, so if you currently have several credit cards that you are paying interest on, you may be able to save money by transferring all of the balances to a new card.

What types of balance transfer cards are there?

Credit cards that accept balance transfers come in all shapes and sizes, with some cards offering nearly two years interest free on any transfers. It’s important to pick the card to best suit your needs as typically the cards with longer introductory periods have higher balance transfer fees. If you think that you will be able to clear your balance within 12 months, then you may be able to find a card with a lower transfer fee offering a 12 month introductory period rather than one offering over 12 months. There are some balance transfer cards that offer low balance transfer fees, but they tend to have short introductory periods.

Some balance transfer cards offer a lower rate of interest for the length of the balance, rather than for a fixed period. This type of balance transfer card may be more suitable if you have a larger debt that will take longer to pay off.

You can find more information about balance transfers in our guide to moving your existing balance.

Which is the best card?

Everyone has a different financial situation, so it’s impossible to say what the best card is – but you can decide what the best card for you is by taking into account several factors; the amount you need to transfer, the time you think it will take you to clear the balance, and your credit rating. Once you know your situation you can pick the best card for your own circumstances. Once you’ve picked which card you think will suit you, you can check how much you could save using our balance transfer calculator and inputting information about both your current card and the new card.

Can everyone get a balance transfer card?

Typically balance transfer cards are aimed at customers with a good credit rating. If you are struggling to keep up with payments on your current cards then it could mean that you may not be accepted for a balance transfer credit card. If you are worried about your credit rating you can use our free Card Matcher tool to check your likelihood of acceptance for all the credit cards on our panel.

What providers offer balance transfer cards?

Many credit card providers offer cards with zero per cent introductory rates on credit cards, but typically the longest introductory periods are provided by Barclaycard, Virgin Money, MBNA, NatWest, RBS, or Nationwide.