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Balance transfer credit cards

Balance transfer credit cards can be great tools to help you save money. They allow you to transfer money from one credit card to a new one, potentially saving you hundreds of pounds if you’re paying interest on your current credit card.

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Provider Balance transfer intro period & rate Purchases intro period & rate Rewards Representative APR Likelihood of acceptance Actions
Market Leading 0% Transfer Period

Barclaycard Platinum

Barclaycard Platinum Image

35 months of 0.0% interest on transfers

2.49% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
This market leading card is the longest 0% balance transfer period ever available in the UK.
Balance Transfers

Barclaycard Platinum 34 Months

Barclaycard Platinum 34 Months Image

34 months of 0.0% interest on transfers

2.39% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Transfer your balance without paying any interest for 34 months, plus Barclaycard will reduce your transfer fee of 3.5% to 2.39% by a refund

Halifax Balance Transfer

Halifax Halifax Balance Transfer Image

34 months of 0.0% interest on transfers

2.80% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
Halifax's longest ever 0% balance transfer period, plus your fee refunded from 3% to 2.8%. APR is dependent on your personal circumstances

Tesco Clubcard Credit Card for Balance Transfers

Tesco Bank Tesco Clubcard Credit Card for Balance Transfers Image

34 months of 0.0% interest on transfers

2.90% fee

3 months 0% interest on purchases

Tesco Clubcard points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Doubles up as a Clubcard allowing you to earn points on your purchases, plus benefit from 34 months interest free on balance transfers

Bank of Scotland Platinum Balance Transfer

Bank of Scotland Platinum Balance Transfer Image

34 months of 0.0% interest on transfers

3.00% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
Bank of Scotland's longest ever 0% balance transfer period, APR and length of 0% period are dependent on your personal circumstances

Lloyds Bank Platinum

Lloyds Bank Lloyds Bank Platinum Image

34 months of 0.0% interest on transfers

3.00% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
Transfer your balance within the first 90 days and you won't pay any interest on it for 34 months

HSBC Existing Customer Card

placeholder card image

34 months of 0.0% interest on transfers

3.30% fee

3 months 0% interest on purchases

No rewards

18.9% APR

Card Matcher is not available for this card
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.

MBNA Platinum Credit Card

MBNA MBNA Platinum Credit Card Image

33 months of 0.0% interest on transfers

2.79% fee

No 0% intro

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
You can benefit from 0% on balance transfers, plus 0% on money transfers - transfer fees apply

Nectar Balance Transfer Credit Card

Sainsbury's Bank Nectar Balance Transfer Credit Card Image

33 months of 0.0% interest on transfers

2.89% fee

6 months 0% interest on purchases

Nectar points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
Earn Nectar points as you spend, plus transfer your balance interest free for up to 33 months with a 2.89% transfer fee

Fluid Balance Transfer

fluid Fluid Balance Transfer Image

29 months of 0.0% interest on transfers

2.90% fee

3 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
You can transfer money into your current account and transfer your balance interest free for up to 29 months - transfer fees apply

Lloyds Bank Platinum Balance Transfer Card

Lloyds Bank Lloyds Bank Platinum Balance Transfer Card Image

28 months of 0.0% interest on transfers

1.50% fee

12 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
0Pay no interest on your transferred balance for 28 months, with a low fee of 1.5% for balances transferred in the first 90 days

Bank of Scotland Platinum

Bank of Scotland Platinum Image

28 months of 0.0% interest on transfers

1.50% fee

12 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
Exclusively available online only, Bank of Scotland's longest combined credit card offer on balance transfers and purchases

Halifax Balance Transfer 28 Months

Halifax Halifax Balance Transfer 28 Months Image

28 months of 0.0% interest on transfers

1.50% fee

12 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual. Postal address: Card Services Department, Terra Nova House, Cardiff, CF10 4PB
Transfer your balance in the first 90 days and benefit from an introductory 1.50% transfer fee

AA Balance Transfer 28 Months

AA Balance Transfer 28 Months Image

28 months of 0.0% interest on transfers

2.90% fee

3 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
The AA's longest 0% balance transfer period - 2.9% fee applies, plus 28 months at 0% on money transfers - 4% fee applies

TSB Platinum Balance Transfer Card 28 Months

TSB TSB Platinum Balance Transfer Card 28 Months Image

28 months of 0.0% interest on transfers

3.00% fee

3 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% PA (variable) annual.

First Direct Black

placeholder card image

27 months of 0.0% interest on transfers

2.29% fee

No 0% intro

No rewards

18.9% APR

Card Matcher is not available for this card
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.

Nationwide

Nationwide Image

26 months of 0.0% interest on transfers

2.40% fee

3 months 0% interest on purchases

No rewards

17.9% APR

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Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 17.9% (variable) annual.
Join the 'Rewards for Abroad' scheme to earn your commission-free allowance

Nationwide Select

Nationwide Select Image

26 months of 0.0% interest on transfers

2.40% fee

15 months 0% interest on purchases

0.5% unlimited cashback

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 15.9% (variable) annual.
Benefit from 0.5% unlimited cashback, plus pay no interest on purchases for 15 months - available to new & existing Flex account holders

Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.

 

Your guide to credit cards

  • What you’ll need to know:
  • Balance transfer cards explained: how do balance transfers work?
  • Picking the right card
  • Types of balance transfer cards

Credit cards terms

  • Balance transfer
  • Balance transfer fee
  • Balance transfer introductory period