0% Balance Transfer Credit Cards

Compare 0% Balance Transfer Credit Cards

	Credit Card	Representative APR Variable Annual Percentage Rate: the interest that you will pay per year on purchases. This rate includes annual fees but does not factor in other charges such as default fees. Rates shown are 'typical' interest rates and may vary depending on your credit rating.	Balance Transfers A balance transfer is when you transfer the debt owed on one credit card (the balance) to another.			Purchases
			Rate This indicates the introductory interest rate on balance transfers that a credit card offers.	Duration The duration of time that the introductory interest rate on balance transfers will apply.	Fee Balance transfer fees are usually applied to any balances transferred from one card to another. They are calculated as a percentage (typically between 2-4%) of the amount being transferred.	Rate This indicates the introductory interest rate on new purchases that a credit card offers.	Duration The duration of time that the introductory interest rate on new purchase will apply.
	Halifax 22 Month Balance Transfer Card 0% for the first 22 months on balance transfers	17.9%	0%	22 months	3.50%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £20,000
	Representative Example: 17.95% p.a. variable on card purchases. This is equivalent to 17.9% APR representative (variable) based on a credit limit of £1,200. The purchase rate is 17.95% pa (variable).
	Virgin Money Balance Transfer Card	16.8%	0%	20 months	2.99%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good
	Representative Example: 16.8% p.a. (variable) on card purchases. Equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.
	Post Office Post Office Credit Card Various 0% offers	16.9%	0%	14 months	2.98%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £15,000
	Representative Example: 16.9% p.a. variable on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200
	NatWest NatWest Platinum Card NatWest wine club special offers	17.9%	0%	20 months	2.90%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Available exclusively to customers with an NatWest current account Credit Rating Good Minimum Income £10,000
	Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
	Nationwide Credit Card Extended warranty on gas & electrical products	15.9%	0%	17 months	2.95%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 25 Existing Customer Must register for their Internet Banking Service if not already a Nationwide customer Credit Rating Good Minimum Income £25,000 Employment Status Employed
	Representative Example: 15.9% p.a.(variable) on card purchases. Equivalent to 15.9% APR representative (variable) based on a credit limit of £1,200.
	Royal Bank of Scotland RBS Platinum Credit Card Travel and retail discounts	17.9%	0%	20 months	2.90%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Available exclusively to customers with an RBS current account Credit Rating Good Minimum Income £10,000
	Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
	NatWest YourPoints World MasterCard	17.9%	0%	13 months	2.90%	0%	13 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Credit Rating Good Minimum Income £10,000
	Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
	RBS YourPoints World Mastercard	17.9%	0%	13 months	2.90%	0%	13 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Only available to NatWest Current Account customers Credit Rating Good Minimum Income £10,000
	Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)
	Tesco Bank Tesco Clubcard Credit Card Tesco Clubcard point reward scheme	16.9%	0%	9 months	2.90%	0%	15 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £5,000
	Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate 16.9% p.a. (variable) *Your credit limit may vary depending on your circumstances
	Halifax 17 Month Balance Transfer Card	16.9%	0%	17 months	3.00%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Representative Example: Representative 16.9% APR variable. Based on £1,200 credit limit & annual purchase rate 16.9% p.a. variable.
	Halifax Rewards All in One Card Only available to Halifax Current Account and Ultimate Reward Current Account holders	17.9%	0%	13 months	3.00%	0%	13 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Yes
	Representative Example: Based on borrowing £1,200 and repaying over 12 months the representative rate would be 17.9% APR (variable). The purchase rate is 17.95% pa (variable).
	Virgin Money Retail Credit Card	18.9%	0%	13 months	2.89%	0%	13 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good
	Representative Example: 18.9% p.a. (variable) on card purchases. Equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.
	Barclaycard Gold Credit Card Discounts and deals with Barclaycard retail partners	19.9%	0%	6 mths	2.50%	0%	13 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Representative Example: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable).
	Barclaycard Initial Credit Card Discounts with Barclaycard retail partners	29.9%		n/a			n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Representative Example: 29.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.9% p.a. (variable).
	Bank of Scotland All In One Card	15.9%	0%	12 months	3%	0%	12 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good
	Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
	Saga Platinum Credit Card	11.9%	0%	9 months	3%	0%	9 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50 Existing Customer No Credit Rating Good Minimum Income £12,000
	Representative Example: Representative 11.9% APR variable, based on £1,200 credit limit and annual purchase interest rate of 11.3% p.a. variable.
	Virgin Money All Round Credit Card	15.8%	0%	16 months	1.99%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No
	Representative Example: 15.8% p.a. (variable) on card purchases. Equivalent to 15.8% APR representative (variable) based on a credit limit of £1,200.
	Halifax 20 Month Balance Transfer Card Includes Halifax MasterCard discounts on travel, entertainment and shopping.	16.9%	0%	20 months	3.00%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £20,000
	Representative Example: 16.94% p.a. variable on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200. The APR and length of the promotional offer are dependent on your personal circumstances.
	The AA Balance Transfer Credit Card AA rewards scheme	17.9%	0%	16 months	2.9%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes
	Representative Example: 17.9% p.a. (variable) on card purchases. Equivalent to 17.9% APR representative (variable) based on a credit limit of £1200
	Nationwide Select Credit Card Available only to Nationwide FlexAccount customers.	12.9%	0%	17 months	2.95%	0%	18 months	MORE INFO
	Representative Example: 12.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable).

Balance transfer credit cards

If you've already got a credit card and you've built up a balance which you are now paying interest on, you can transfer the debt to a new credit card in order to get a better deal.

Savvy credit card users choose a card which has a long interest free period on purchases and then switch to new card which has long interest free period on balance transfers. With the new card, you won't pay any interest at all on the debt you take over, whether you originally borrow it as a direct purchase on your card, as cash or as a previous balance transfer.

You'll usually face a one-off charge for transferring a balance - around 2-3 per cent of the total debt. However, there's a good chance that this will be lower than the interest you'd face by staying put if you aren't planning to clean the slate in the near future.

Be careful though - if you continue to shift your debt from one credit card to another multiple times without paying off of any of your debt you could harm your credit rating. This is because the banks may view it as evidence that you are likely to borrow money without the means to pay it back. You could get turned down for other loans as a result.

Usually you'll have to seek a new provider for your second card as the banks won't allow internal transfers.

Click here to find out more about choosing credit cards.

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