Balance transfer credit cards

Compare the best balance transfer credit card and 0% interest deals available.

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  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
Barclaycard 31Mth Platinum Visa
Barclaycard 31Mth Platinum Visa
0%
for 31 months
(2.99% fee)
0%
for 6 months
Representative
18.9%
APR
(variable)
  • A fee of 3.5% will be applied, then reduced to 2.99% by a refund (T&C's Apply)
  • £20 Cashback on Balance Transfers over £2000 (T&C's Apply)
  • Contactless payments
  • Paperless statements
  • No balance transfers from other Barclaycards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. A Balance Transfer fee of 3.5% will be applied, then reduced to 2.99% by a refund (terms and conditions apply). Plus an additional £20 fee refund on balance transfers over £2000.
Barclaycard 30Mth Platinum Visa
Barclaycard 30Mth Platinum Visa
0%
for 30 months
(2.89% fee)
0%
for 6 months
Representative
18.9%
APR
(variable)
  • A Balance Transfer fee of 3.5% will be applied, then reduced to 2.89% by a refund (T&C's Apply)
  • £20 Cashback on Balance Transfers over £2000 (T&C's Apply)
  • Contactless payments
  • Paperless statements
  • No balance transfers from other Barclaycards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. A Balance Transfer fee of 3.5% will be applied, then reduced to 2.89% by a refund (terms and conditions apply). Plus an additional £20 fee refund on balance transfers over £2000.
MBNA 30Mth Platinum Credit Card Visa
MBNA 30Mth Platinum Credit Card Visa
0%
for 30 months
(2.89% fee)
0%
for 3 months
Representative
18.9%
APR
(variable)
  • A great interest-free balance transfer card
  • Paperless Statements, Contactless Payments, Fraud Protection
  • No Annual Fee
  • You cannot transfer balances between MBNA accounts
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
Tesco Clubcard Credit Card for Balance Transfers
Tesco Clubcard Credit Card for Balance Transfers
0%
for 30 months
(2.9% fee)
0%
for 3 months
Representative
18.9%
APR
(variable)
  • Clubcard points on all your spending. One point awarded for every £4 spent in each purchase transaction (£4min). Must have available credit
  • Online servicing
  • Minimum income £5K, UK resident with good credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
Halifax 30Mth Balance Transfer MasterCard
Halifax 30Mth Balance Transfer MasterCard
0%
for 30 months
(3% fee)
0%
for 6 months
Representative
18.9%
APR
(variable)
  • A great interest-free balance transfer card
  • Manage your account online
  • APR and length of the offer are dependent on personal circumstances
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.0% (variable), representative 18.9% APR (variable). Credit available subject to status.
Virgin Money Credit Card MasterCard
Virgin Money Credit Card MasterCard
0%
for 29 months
(2.99% fee)
0%
for 6 months
Representative
18.9%
APR
(variable)
  • The advertised rate is the rate you will get
  • Discounts on Virgin products and high street names
  • Making a money transfer – pay money into your bank account from your credit card (4% handling fee applies)
  • You cannot transfer balances between MBNA accounts
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
Santander 29Mth BT MasterCard
Santander 29Mth BT MasterCard
0%
for 29 months
(3% fee)
0%
for 3 months
Representative
18.9%
APR
(variable)
  • Manage your accounts online anytime of day
  • Manage your card on the go with our mobile app for the iPhone or iPad
  • No annual fee
  • Applicants must be aged 18yrs and over, UK resident for 3yrs, No CCJ's, Annual income over £7,500
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
Barclaycard 28Mth Platinum Visa
Barclaycard 28Mth Platinum Visa
0%
for 28 months
(2.44% fee)
0%
for 6 months
Representative
18.9%
APR
(variable)
  • A fee of 3.5% will be applied, then reduced to 2.44% by a refund (T&C's Apply)
  • Contactless payments
  • A great interest-free period balance transfer credit card
  • Paperless statements
  • No balance transfers from other Barclaycards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. A Balance Transfer fee of 3.5% will be applied, then reduced to 2.44% by a refund (terms and conditions apply).
Bank of Scotland Platinum 28 Mth BT MasterCard
Bank of Scotland Platinum 28 Mth BT MasterCard
0%
for 28 months
(2.45% fee)
0%
for 6 months
Representative
17.9%
APR
(variable)
  • 3% fee reduced by 0.55% refund to effective 2.45% fee
  • Manage your card online
  • APR and length of the offer are dependent on personal circumstances
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status. A Balance Transfer fee of 3.0% will be applied, then reduced to 2.45% by a refund (terms and conditions apply).
Halifax 28Mth Balance Transfer MasterCard
Halifax 28Mth Balance Transfer MasterCard
0%
for 28 months
(2.45% fee)
0%
for 6 months
Representative
18.9%
APR
(variable)
  • A great interest-free balance transfer card
  • Manage your account online
  • APR and length of the offer are dependent on personal circumstances
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.0% (variable), representative 18.9% APR (variable). Credit available subject to status. A Balance Transfer fee of 3.0% will be applied, then reduced to 2.45% by a refund (terms and conditions apply).
Lloyds Bank Online Plat 28 Mth BT MasterCard
Lloyds Bank Online Plat 28 Mth BT MasterCard
0%
for 28 months
(2.45% fee)
0%
for 6 months
Representative
18.9%
APR
(variable)
  • 3% fee reduced by 0.55% refund to effective 2.45% fee
  • Money Manager - Keep track of your money across different Lloyds Bank accounts
  • APR and length of the offer are dependent on personal circumstances
  • No balance transfers from other Lloyds cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
TSB Plat 28Mth BT MasterCard
TSB Plat 28Mth BT MasterCard
0%
for 28 months
(3% fee)
0%
for 3 months
Representative
18.9%
APR
(variable)
  • A low fee 28 month Platinum Balance Transfer Card
  • The APR you get is subject to status, so may vary
  • No balance transfers from other TSB cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
Nationwide Visa
Nationwide Visa
0%
for 26 months
(2.4% fee)
0%
for 3 months
Representative
17.9%
APR
(variable)
  • Commission-free purchases abroad when you build up your allowance through spend in UK sterling
  • Fraud Protection Guarantee
  • Mobile banking
  • No balance transfer from other Nationwide Credit cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 17.9% (variable), representative 17.9% APR (variable). Credit available subject to status.
Bank of Scotland Platinum 24mth MasterCard
Bank of Scotland Platinum 24mth MasterCard
0%
for 24 months
(1.5% fee)
0%
for 3 months
Representative
17.9%
APR
(variable)
  • 3% fee reduced by 1.5% refund to effective 1.5% fee
  • Manage your card using Internet and Mobile Banking
  • APR and length of the offer are dependent on personal circumstances
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status. A Balance Transfer fee of 3.0% will be applied, then reduced to 1.5% by a refund (terms and conditions apply)
Lloyds Bank Platinum 24mth MasterCard
Lloyds Bank Platinum 24mth MasterCard
0%
for 24 months
(1.5% fee)
0%
for 3 months
Representative
17.9%
APR
(variable)
  • 3% fee reduced by 1.5% refund to effective 1.5% fee
  • Full account management online
  • APR and length of the offer are dependent on personal circumstances
  • No balance transfers from other Lloyds cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
MBNA Everyday Credit Card Visa
MBNA Everyday Credit Card Visa
0%
for 18 months
(1.5% fee)
0%
for 8 months
Representative
13.9%
APR
(variable)
  • An interest-free period on both balance transfers and money transfers
  • Paperless Statements, Contactless Payments, Fraud Protection
  • No Annual Fee
  • You cannot transfer balances between MBNA accounts
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 13.9% (variable), representative 13.9% APR (variable). Credit available subject to status.
Barclaycard 18Mth Platinum Visa
Barclaycard 18Mth Platinum Visa
0%
for 18 months
(2.9% fee)
0%
for 3 months
Representative
24.9%
APR
(variable)
  • No annual fee
  • Contactless payments
  • Paperless statements
  • No balance transfers from other Barclaycards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status.
Post Office Platinum MasterCard
Post Office Platinum MasterCard
0%
for 18 months
(2.98% fee)
0%
for 3 months
Representative
17.8%
APR
(variable)
  • No fees on purchases overseas
  • No cash fee when you purchase Post Office Travel Money
  • Credit is subject to status to UK residents aged 18 years or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 17.8% (variable), representative 17.8% APR (variable). Credit available subject to status.
Sainsbury's Bank Nectar Credit Card
Sainsbury's Bank Nectar Credit Card
0%
for 16 months
(3% fee)
0%
for 16 months
Representative
16.9%
APR
(variable)
  • Double Nectar points on Sainsbury's shopping
  • One Nectar point for every £5 spent on your card elsewhere
  • New Sainsbury's Bank Credit Card customers only
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
Bank of Scotland Platinum 15Mth BT MasterCard
Bank of Scotland Platinum 15Mth BT MasterCard
0%
for 15 months
(0.7% fee)
0%
for 6 months
Representative
17.9%
APR
(variable)
  • 3% BT fee reduced by 2.30% refund to effective 0.70% fee
  • Manage your card using Internet and Mobile Banking
  • APR and length of the offer are dependent on personal circumstances
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status. A Balance Transfer fee of 3.0% will be applied, then reduced to 0.7% by a refund (terms and conditions apply)
Lloyds Bank Plat 15Mth BT MasterCard
Lloyds Bank Plat 15Mth BT MasterCard
0%
for 15 months
(0.7% fee)
0%
for 6 months
Representative
17.9%
APR
(variable)
  • 3% fee reduced by 2.3% refund to effective 0.70% fee
  • Full account management online
  • No balance transfers from other Lloyds cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
Halifax All in One Online MasterCard
Halifax All in One Online MasterCard
0%
for 15 months
(0.8% fee)
0%
for 15 months
Representative
17.9%
APR
(variable)
  • 3% fee reduced by 2.2% refund to effective 0.8% fee
  • Market leading balance transfer and purchases card
  • APR and length of the offer are dependent on personal circumstances
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
TSB Plat 15Mth BT MasterCard
TSB Plat 15Mth BT MasterCard
0%
for 15 months
(0.8% fee)
0%
for 3 months
Representative
17.9%
APR
(variable)
  • A low fee 15 month Platinum Balance Transfer Card
  • Balance Transfer fee cashback - refund part of a 3% fee so overall a 0.8% fee is payable
  • The APR you get is subject to status, so may vary
  • No balance transfers from other TSB cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
M&S Credit Card
M&S Credit Card
0% for 12 months (2.9% fee) 0%
for 15 months
Representative
16.9%
APR
(variable)
  • Earn M&S points every time you shop with your card
  • Buy M&S Travel Money with no cash advance or foreign exchange fees
  • You must be at least 18 years of age with good credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
AA Members Rewards Visa
AA Members Rewards Visa
0%
for 12 months
(3% fee)
0%
for 10 months
Representative
16.9%
APR
(variable)
  • 2 points for every £1 spent on fuel, and 1 point for every £1 spent on everything else
  • Redeem 4,000 points for £20 of cash back or high street shopping vouchers or £40 against AA products like breakdown cover
  • No balance transfers from AA, BMI, ICICI, Virgin Money or other MBNA cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
Sainsbury's Bank Nectar M'Card with BT fee refund
Sainsbury's Bank Nectar M'Card with BT fee refund
0%
for 12 months
(3% fee)
0%
for 12 months
Representative
16.9%
APR
(variable)
  • Balance transfer fee refunded in Nectar points
  • Double Nectar points on Sainsbury's shopping
  • 2 Nectar points for every £1 spent on Sainsbury's fuel
  • 1 Nectar point for every £5 spent elsewhere
  • New customers only
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
Saga Over 50's Platinum Visa
Saga Over 50's Platinum Visa
0%
for 9 months
(3% fee)
0%
for 9 months
Representative
11.9%
APR
(variable)
  • 0% foreign currency fee
  • A secure online account managment tool
  • Applicants must be aged 50yrs or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 11.3% (variable), representative 11.9% APR (variable). Credit available subject to status.


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The table shows a range of products from the market. We work with the majority of Financial Service Providers to show the best deals.

The All Credit Cards table is ranked in a formula that combines Likelihood of acceptance (Highest first), Balance Transfer Period (Longest Period first), Balance Transfer Fee (Lowest Fee first) and Representative APR (Lowest APR first).

The other tables are ranking using a formula that combines Likelihood of acceptance (Highest first), and the key aspect of the table, eg for the Low APR Table its Representative APR (lowest first) and for the 0% new purchases table its Purchase period (Longest Period first).

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