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Balance Transfer Credit Cards
If you owe money on your current credit card, you might want to take advantage of a balance transfer offer. Balance transfer cards enable you to switch your outstanding balance from one credit card to another (with a 0% interest rate for a set period). There can be great financial benefits to changing to a new issuer, but be sure to compare the rates on offer. Read more...>
| Product Name | Balance Transfer Intro |
Purchases Intro |
Representative APR (variable) |
Rewards |
|---|---|---|---|---|
-
Barclaycard Platinum with Balance Transfer
-
0%
27 mths
3.50% fee
-
0%
6 mths
-
18.9%
APR
-
Barclaycard Unwind
- Balance transfer fee reduced from 3.9% to 3.5% (Automatic refund process, T&Cs apply)
- 0% interest on balance transfers for 27months
- Pay for items up to £20 with payWave™ Contactless
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).
-
RBS Platinum
-
0%
26 mths
2.65% fee
-
0%
6 mths
-
18.9%
APR
-
Discounts, Travel, Wine
- 0% on transfers for 26mths (2.65% fee, min £5)
- £750 cash advance per day, depending on credit limit
- Good credit rating required
Representative Example: 18.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 18.95% p.a. (variable). *credit limit may vary depending upon circumstances
-
NatWest Platinum
-
0%
26 mths
2.65% fee
-
0%
6 mths
-
18.9%
APR
-
Travel, Shopping
- 0% on transfers for 26 months (2.65% fee, min £5)
- Instant approval available for online applications
- Good credit rating required
Representative Example: 18.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 18.95% p.a. (variable). *credit limit may vary depending upon circumstances
-
Halifax 25 Month Balance Transfer
-
0%
25 mths
2.50% fee
-
0%
3 mths
-
18.9%
APR
-
No Rewards
- Balance transfer fee reduced from 3% to 2.5% (Automatic refund process, T&Cs apply)
- APR & promotional offer length are dependent on your circumstances
- Free cover against online fraud
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
-
Barclaycard Platinum 25 Mths Balance Transfer
-
0%
25 mths
2.40% fee
-
0%
6 mths
-
18.9%
APR
-
Barclaycard Unwind
- Reduced transfer fee from 3.5% to 2.4% (T&Cs apply)
- Instant Decisons for Online Applications
- Pay for items up to £20 with payWave™ contactless payment
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
-
Tesco Clubcard Credit Card with Balance Transfer
-
0%
25 mths
2.90% fee
-
0%
3 mths
-
16.9%
APR
-
Clubcard Points
- 0% Transfers for 25 months
- Collect Tesco Clubcard points wherever you shop
- Card replacement & cash advance - if you lose your card abroad
Representative Example: 16.9%APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.
-
Virgin
-
0%
20 mths
2.99% fee
-
0%
3 mths
-
16.8%
APR
-
Virgin discounts
- Great discounts on Virgin products and high street names
- Contactless payment for purchases of £20 or less
- Best for applicants with an excellent credit rating
Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.
-
Nationwide with Balance Transfer
-
0%
20 mths
3.10% fee
-
0%
3 mths
-
15.9%
APR
-
No Rewards
- 0% for 20 months on balance transfers (3.1% fee, min £5)
- Commission-free purchases when spending abroad
- Fraud Protection Guarantee - Account monitoring with the latest protective technologies
Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable).
-
MBNA Everyday
-
0%
18 mths
1.99% fee
-
0%
8 mths
-
12.9%
APR
-
No Rewards
- Manage your account securely online 24/7
- Contactless payment for purchases of £20 and under
- 0% on money transfers for 18 months (4% fee)
Representative Example: 12.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable)
-
Bank of Scotland Platinum
-
0%
18 mths
3.00% fee
-
0%
3 mths
-
17.9%
APR
-
No Rewards
- 0% for the first 18 months on balances transferred in the first 90 days (3% fee)
- Instant decision on online applications (in most circumstances)
- Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
-
Sainsburys Nectar
-
0%
15 mths
3.00% fee
-
0%
6 mths
-
17.9%
APR
-
Nectar Points
- Get 10 Nectar points per £1 on Sainsbury's shopping for the first 3 mths from account opening - capped at £1,000 spend per mth
- 0% on Purchases for 6 mths and 0% on Transfers for 15 mths (3% fee applies)
- Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
-
Lloyds TSB Platinum 15Mths
-
0%
15 mths
1.00% fee
-
0%
3 mths
-
17.9%
APR
-
No Rewards
- Transfer fee reduced from 3% to 1% (Automatic refund process, T&Cs apply)
- 0% on purchases for the first 3 months
- Excellent credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
-
Post Office
-
0%
14 mths
2.98% fee
-
0%
3 mths
-
16.9%
APR
-
Insurance
- No fees on purchases overseas in a foreign currency, even when you’re shopping from home, online or over the phone
- Pay no cash fee on your Credit Card to buy travel money at the Post Office
- Excellent credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.9% p.a. (variable)
0% Balance Transfers
Most credit card providers look for ways to attract new customers. One method of doing this is to offer either a 0% introductory balance transfer rate or a lifetime balance transfer offer. While you can effectively remove the interest rate on your transferred balance for the offer period, the card provider hopes that you will stay and become a loyal customer in the long term.
Introductory 0% balance transfer offers have reached 24 months in some cases, although they vary from issuer to issuer (and card to card). After the introductory period the rate reverts to a new APR. Because of this, it's worth checking to see what you might end up paying if you still have the outstanding balance and you stay with that card.
If your primary reason for looking for a credit card is for purchases then a balance transfer might not the right credit card for you. Use the left hand navigation to search other credit card offers like 0% purchase, rewards or airmiles cards.
Top Balance Transfer Tips
- Consider whether a 0% balance transfer credit card or a lifetime balance offer will suit you best.
- Almost all credit card issuers now charge a small administration fee for balance transfers so remember to check all the offer details.
- If you are still a little confused, why not use our balance transfer calculator.
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Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
