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Balance Transfer Credit Cards

If you owe money on your credit card, you may want to take advantage of a balance transfer offer. A balance transfer allows you to move your outstanding credit card balance from one credit card to another.  There can be financial benefits to changing to a new card provider but you should be sure to compare the rates on offer. Read more...>

	Virgin 15 Mth 0% balance transfers - 3 Mth 0% on Purchases	15 mths	15.9%
	Capital One Balance Transfer & Purchases 0% on balance transfers until 1st December 2009	until December 2009	16.9%
	Capital One Platinum Long 0% balance transfer & purchases offer.	until November 2009	14.9%
	Barclaycard Platinum 0% on balance transfers til Nov 09, 3 mths purchases	until November 2009	14.9%
		** 6 months FREE Gadget Insurance **

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’ll stay and become a loyal customer in the long term.

Introductory 0% balance transfer offers tend to last between 6 and 12 months although, in some cases, it can be up to 15 months.  After that period the rate will revert 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.  A lifetime balance transfer gives you a permanently low rate until the balance is cleared.