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Balance transfer credit cards

Paying interest on your existing credit card? A balance transfer card allows you to transfer your balance from an existing card to your new card, potentially saving you hundreds of pounds in interest charges during the 0% introductory period. Consider it a new card helping you pay off debts from old cards, but at a lower rate, meaning you could be debt free quicker.


We compare 0% balance transfer deals for up to 40 months interest free, now may be the ideal time to transfer your existing debts!

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Balance Transfers

Virgin Money Balance Transfer Credit Card

Virgin Money Virgin Money Balance Transfer Credit Card Image

40 months of 0.0% interest on transfers

2.99% 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.
Market leading transfer period, 40 months interest free on balance & money transfers, handling fees apply - offer ends 9th September

The Co-operative Bank 3 Year Fixed Rate

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36 months of 6.9% interest on transfers

0.00% fee

36 months 6.9% interest on purchases

No rewards

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual

Barclaycard Platinum

Barclaycard Platinum Image

36 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.
0% interest on balance transfers for 3 years, plus your handling fee reduced from 3.5% to 2.39% via refund

Platinum With Balance Transfer (36 Mths)

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36 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 £1200. Rate of interest 18.9% (variable) annual.

Halifax Balance Transfer

Halifax Halifax Balance Transfer Image

36 months of 0.0% interest on transfers

2.45% 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.
Benefit from 3 years at 0% interest on balance transfers, plus your handling fee reduced from 3% to 2.45%

MBNA Platinum Credit Card

MBNA MBNA Platinum Credit Card Image

36 months of 0.0% interest on transfers

2.48% 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.
Transfer your balance and pay 0% for 36 months (2.48% fee), transfer money into your current account and pay 0% for 20 months (4% fee)

Virgin Money Balance Transfer

Virgin Money Virgin Money Balance Transfer Image

36 months of 0.0% interest on transfers

2.50% 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.
0% on balance transfers for 3 years, plus transfer money into your current account and pay 0% for 3 years, 4% handling fee

Fluid Balance Transfer

fluid Fluid Balance Transfer Image

36 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.
Transfer your existing balance and pay 0% for 3 years, transfer money into your current account and pay 0% for 20 months, plus check you're eligible before you apply

Bank of Scotland Platinum Balance Transfer

Bank of Scotland Platinum Balance Transfer Image

36 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% transfer period, pay no interest for 3 years, offer exclusively available online

Lloyds Bank Platinum

Lloyds Bank Lloyds Bank Platinum Image

36 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.
Lloyds Bank's longest ever 0% transfer period, pay no interest for 3 years, offer exclusively available online

Tesco Clubcard Credit Card for Balance Transfers

Tesco Bank Tesco Clubcard Credit Card for Balance Transfers Image

35 months of 0.0% interest on transfers

2.70% 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.
Earn Clubcard points on all purchases, transfer your balance at 0% for 35 months, apply online and get a decision within 60 seconds

Virgin Money Balance Transfer

Virgin Money Virgin Money Balance Transfer Image

34 months of 0.0% interest on transfers

2.25% 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.
0% on balance transfers for 34 months, plus transfer money into your current account and pay 0% for 34 months, 4% handling fee

Sainsbury's Nectar Balance Transfer Card

Sainsbury's Bank Sainsbury's Nectar Balance Transfer Card Image

34 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.
Transfer your balance and pay no interest for 34 months with a 2.89% handling fee, plus earn Nectar points as you spend

Tesco Clubcard credit card 33m

placeholder card image

33 months of 0.0% interest on transfers

2.50% 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.

Virgin Money Balance Transfer

Virgin Money Virgin Money Balance Transfer Image

32 months of 0.0% interest on transfers

1.50% 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
0% on balance transfers for 32 months, plus transfer money into your current account and pay 0% for 32 months, 4% handling fee

Bank of Scotland Platinum Balance Transfer card 32m

Bank of Scotland Bank of Scotland Platinum Balance Transfer card 32m Image

32 months of 0.0% interest on transfers

1.54% 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.
Transfer your balance and pay 0% for 32 months plus your handling fee reduced from 3% to a low 1.54%

Lloyds Bank Platinum 32 Month Balance Transfer

Lloyds Bank Lloyds Bank Platinum 32 Month Balance Transfer Image

32 months of 0.0% interest on transfers

1.54% 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 and pay 0% for 32 months plus your handling fee reduced from 3% to a low 1.54%

Platinum Credit Card (32 Mths)

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32 months of 0.0% interest on transfers

1.55% 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.

HSBC Existing Customer Card

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32 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 Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.

WWF Credit Card

placeholder card image

31 months of 0.0% interest on transfers

2.88% fee

3 months 0% interest on purchases

Donations to WWF

18.9% APR

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

British Heart Foundation Credit Card

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31 months of 0.0% interest on transfers

2.88% fee

3 months 0% interest on purchases

Donations to British Heart Foundation

18.9% APR

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

Barclaycard Platinum 30 Months

Barclaycard Platinum 30 Months Image

30 months of 0.0% interest on transfers

1.30% 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.
Pay 0% for 30 months on balance transfers, plus your handling fee reduced from 3.5% to 1.30% via refund

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

  • Which providers offer balance transfer cards?
  • Types of balance transfer cards
  • What is a balance transfer card?
  • Things to consider before getting a balance transfer card

Credit cards terms

  • Balance transfer fee
  • What is APR?
  • Representative APR