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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 offer

  • Barclaycard Platinum with Balance Transfer

  • 0%
    22 mths
    2.90% fee

  • 0%
    3 mths

  • 17.9%
    APR

  • Rewards

  • £30 BT fee refund - offer ends 31st May
  • For a quicker transfer, complete your BT as you apply
  • Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable).
Barclaycard Platinum with Balance Transfer application
Halifax Balance Transfer offer

  • Halifax Balance Transfer

  • 0%
    22 mths
    3.50% fee

  • 0%
    3 mths

  • 17.9%
    APR

  • Entertainment, Travel and Shopping

  • You must have an annual income of £20,000 or more to apply
  • 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)
Halifax Balance Transfer application
NatWest Platinum offer

  • NatWest Platinum

  • 0%
    22 mths
    3.20% fee

  • 0%
    6 mths

  • 17.9%
    APR

  • Wine Travel Shopping

  • Discounts from Thomas Cook and Mastercard offers
  • Apply today and get an instant decision
  • Good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances
NatWest Platinum application
RBS Platinum offer

  • RBS Platinum

  • 0%
    22 mths
    3.20% fee

  • 0%
    6 mths

  • 17.9%
    APR

  • Discounts, Travel, Wine

  • Discounts on wine, shopping & travel
  • £750 cash advance per day, depending on credit limit
  • Good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances
RBS Platinum application
Barclaycard Platinum 21 Mths Balance Transfer offer

  • Barclaycard Platinum 21 Mths Balance Transfer

  • 0%
    21 mths
    2.60% fee

  • 0%
    3 mths

  • 17.9%
    APR

  • Rewards

  • For a quicker transfer, complete your BT as you apply
  • 2.9% handling fee - refund offer reduces fee to equivalent of 2.6% for everyone (terms and conditions apply)
  • Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)
Barclaycard Platinum 21 Mths Balance Transfer application
MBNA Credit Card offer

  • MBNA Credit Card

  • 0%
    20 mths
    2.99% fee

  • 0%
    3 mths

  • 16.9%
    APR

  • No Rewards

  • Transfer your balance to your current account (4% handling fee)
  • Instant decision on most online applications
  • Good 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)
MBNA Credit Card application
Nationwide with Balance Transfer offer

  • Nationwide with Balance Transfer

  • 0%
    20 mths
    3.10% fee

  • 0%
    3 mths

  • 15.9%
    APR

  • No Rewards

  • Commission-free purchases abroad
  • Positive order of payments - you could pay less interest as the debt with the highest interest rate is paid off first
  • Excellent credit rating required
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).
Nationwide with Balance Transfer application
Halifax 20 Month Balance Transfer offer

  • Halifax 20 Month Balance Transfer

  • 0%
    20 mths
    3.00% fee

  • 0%
    3 mths

  • 16.9%
    APR

  • Entertainment, Travel and Shopping

  • You must have an annual income of £20,000 or more to apply
  • Cover against online fraud when shopping online
  • Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)
Halifax 20 Month Balance Transfer application
Virgin Money offer

  • Virgin Money

  • 0%
    20 mths
    2.99% fee

  • 0%
    3 mths

  • 16.8%
    APR

  • Virgin discounts

  • Instant decision on most applications
  • Discounts on Virgin holidays, Trains and other products
  • Good credit rating required
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.
Virgin Money application
Bank of Scotland Plus offer

  • Bank of Scotland Plus

  • 0%
    18 mths
    3.00% fee

  • 0%
    3 mths

  • 16.9%
    APR

  • Dining out Travel Shopping

  • Instant decision on online applications (in most circumstances)
  • Discounts on UK attractions, hotels, travel and dining out
  • Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable).
Bank of Scotland Plus application
Halifax 17 Month Balance Transfer offer

  • Halifax 17 Month Balance Transfer

  • 0%
    17 mths
    3.00% fee

  • 0%
    3 mths

  • 16.9%
    APR

  • Entertainment, Travel and Shopping

  • Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping
  • Cover against online fraud when shopping online
  • Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)
Halifax 17 Month Balance Transfer application
Barclaycard Platinum 16 Mths Balance Transfer offer

  • Barclaycard Platinum 16 Mths Balance Transfer

  • 0%
    17 mths
    1.60% fee

  • 0%
    3 mths

  • 18.9%
    APR

  • Rewards

  • BT intro period extended to 17 mths! Offer ends 31st May.
  • 2.1% handling fee - refund offer reduces fee to equivalent of 1.6% for everyone (terms and conditions apply)
  • Good credit rating required
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)
Barclaycard Platinum 16 Mths Balance Transfer application
Sainsburys Nectar offer

  • Sainsburys Nectar

  • 0%
    15 mths
    3.00% fee

  • 0%
    6 mths

  • 16.9%
    APR

  • Double Nectar Points

  • Earn Double Nectar points on Sainsburys shopping for 2 years
  • You must have a Nectar Card in order to apply for the Credit Card
  • Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)
Sainsburys Nectar application
Lloyds TSB Platinum offer

  • Lloyds TSB Platinum

  • 0%
    15 mths
    3.00% fee

  • 0%
    3 mths

  • 17.9%
    APR

  • No Rewards

  • Active Account Monitoring to spot any suspicious spending
  • Manage your account online
  • 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).
Lloyds TSB Platinum application
Barclaycard Gold offer

  • Barclaycard Gold

  • 0%
    to Sep '12
    2.50% fee

  • n/a

  • 19.9%
    APR

  • Rewards

  • Contactless payment for purchases up to £15
  • Identity Protection Service and Fraud Protection
  • Fair credit rating required
Representative Example: 19.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.90% p.a. (variable)
Barclaycard Gold application
Post Office offer

  • Post Office

  • 0%
    14 mths
    2.98% fee

  • 0%
    3 mths

  • 16.9%
    APR

  • 0% commission

  • Free purchase and fraud protection
  • 0% commission on purchases overseas
  • 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)
Post Office application

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.
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.

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