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Low Balance Transfer Fee Credit Cards

  • If you are transferring a large balance you could save money by choosing a card with a low transfer fee. Compare the balance transfer fees along with interest free periods in our table below.
  • There are 37 out of 88 cards matching this search.
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MBNA Balance Transfer Credit Card
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  • 0% for up to 39 months from account opening on balance transfers made in the first 60 days
  • 1.48% effective fee applies on each balance transfer made in the first 60 days
  • 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.

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    • Bank of Scotland Platinum 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.8% fee)
    • New Purchases Offer
      0% Fixed
      For 12 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Bank of Scotland

      Benefits

        • 0% interest for 32 months on balances transferred within the first 90 days after your account is opened. 0.80% fee applies on each balance transfer,
        • also 12 months at 0% on purchases.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Halifax 38 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 38 months
      (2.25% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • 0% for 38 months on balance transfers within 90 days of account opening. 2.25% fee applies, 3% fee applies thereafter.
        • 0% for 6 months on purchases.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% balance transfer fee applies with a 0.75% refund within 90 days, so the effective fee is 2.25% (Terms and conditions apply).

    • Barclaycard Platinum 39 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 39 months
      (1.45% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
        • Contactless payment for items up to £30.
        • Instant online decision available.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 1.45% by a refund (Terms and conditions apply).

    • Lloyds Bank Platinum Low Rate Credit Card

    • Balance Transfers Offer
      -
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      5.7% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Lloyds Bank

      Benefits

        • 0% p.a on Balance Transfers you make in the first 90 days after Lloyds Bank open your account.
        • Low interest rates
        • No balance transfer fee
        • £0 annual fee
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • One simple rate for both balance transfers and purchases.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 5.69% (variable), representative 5.7% APR (variable). Credit available subject to status.

    • Santander All in One Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 39 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      21.7% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Annual fee
        £36
      • Min Credit
        £500
      • Provider
        Santander

      Benefits

        • 0% on balance transfers for 39 months from date of account opening (0% fee applies).
        • 0% on purchases for 6 months from date of account opening.
        • 0.5% cashback on all of your purchases with no limits or caps.
        • No foreign transaction fee on purchases or cash withdrawals in the local currency when you're abroad.
        • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • The annual fee is broken down into monthly payments of £3.
        • No monthly fee for 6 months on the All in One Credit Card if you have a 1I2I3 current account. Qualifying criteria applies.
      • Min Income
        £7,500
      • Min Age
        18
      • Visit Website
      • Annual fee: £36
      • 0.5% cashback on all of your purchases with no limits or caps
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
      • No monthly fee for 6 months on the All in One Credit Card if you have a 1I2I3 current account. Qualifying criteria applies.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

    • Sainsbury's Bank No Balance Transfer Fee Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 28 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status.
        • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017.
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • If your application is approved you are guaranteed to get the 0% interest period advertised.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. In the first 3 months a 1.5% balance transfer fee is charged and then fully refunded directly to your account within 60 days. 3% thereafter. (Min £3)

    • Bank of Scotland Platinum 25 Month Balance Transfer Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Bank of Scotland

      Benefits

        • 0% interest for up to 25 months from account opening on balance transfers within the first 90 days.
        • 0% fee applies on each balance transfer made in the first 90 days.
        • 0% interest for 3 months form account opening on purchases.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Barclaycard Platinum 25 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
        • Contactless payment for items up to £30.
        • Instant online decision available.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. An initial 3.5% balance transfer fee applies with a refund within 60 days, so the effective fee is 0% (Terms and conditions apply).

    • Lloyds Bank Platinum 25 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Lloyds Bank

      Benefits

        • 0% interest on balance transfers. Get up to 25 months 0% interest on balance transfers made within 90 days of opening your account.
        • 0% interest on purchases for 3 months after opening your account.
        • No balance transfer fees - you'll also pay no fees on balances transferred within 90 days of account opening, instead of the standard 3% fee.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.94% (variable), representative 19.9% APR (variable). Credit available subject to status.

    • Tesco Bank Clubcard 24 Month No Balance Transfer Fee Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 24 months
      (0% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • The APR and length of promotional offer may vary as they are dependent on your personal circumstances.
      • Min Credit
        £250
      • Provider
        Tesco Bank

      Benefits

        • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
        • Apply online and get a decision within 60 seconds.
        • You can still apply even if you have a Tesco Bank Credit Card already.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must live in the UK or have a BFPO address
        • You must have a good credit history
        • You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
      • Min Age
        18
      • Visit Website
      • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms 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. This 0% offer is applied to any balances transferred within the first 90 days of opening your account.

    • Virgin Money No Balance Transfer Fee Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 24 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 24 months on balance transfers, with no balance transfer fee, 0% for 24 months on money transfers, with a fee of 4%, 0% for 3 months on card purchases.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    • Tesco Bank Clubcard Low APR Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 1 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 1 months
    • Representative APR
      5.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Tesco Bank

      Benefits

        • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
        • Apply online and get a decision within 60 seconds.
        • You can still apply even if you have a Tesco Bank Credit Card already.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must live in the UK or have a BFPO address
        • You must have a good credit history
        • You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
      • Min Age
        18
      • Visit Website
      • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 5.94% (variable), representative 5.9% APR (variable). Credit available subject to status.

    • Barclaycard Freedom Rewards Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 12 months
      (0.15% fee)
    • New Purchases Offer
      0% Fixed
      For 12 months
    • Representative APR
      21.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Earn 1 Freedom point on everything home and abroad per £1 spent (non sterling transaction fee of 2.99% applies to foreign currency transactions).
        • Earn 2 Freedom points at all UK supermarkets, petrol stations and on Transport for London spend.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
      • Earn 1 Freedom point on everything home and abroad per £1 spent (non sterling transaction fee of 2.99% applies to foreign currency transactions)
      • Earn 2 Freedom points at all UK supermarkets, petrol stations and on Transport for London spend
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. A fee of 2.9% will be applied to your account at first, but you'll only pay 0.15% as Barclaycard will refund the difference.

    • Virgin 30 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 30 months
      (0.55% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 30 months on balance transfers, with a fee of 0.55%, 0% for 30 months on money transfers, with a fee of 4%, 0% for 3 months on card purchases.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    • Halifax 33 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 33 months
      (0.57% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • 0% for up to 33 months from account opening on balance transfers made in the first 90 days.
        • 0.57% fee applies on each balance transfer made in the first 90 days.
        • 0% for 3 months from account opening on purchases.
        • You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening. Cashback offer end date is 6th October 2017.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Sainsbury's Bank 33 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 33 months
      (0.59% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status.
        • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017.
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • If your application is approved you are guaranteed to get the 0% interest period advertised.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.91% so the overall fee is 0.59%. 3% balance transfer fee afterwards (minimum £3 at all times).

    • Virgin 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.6% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 32 months on balance transfers, with a fee of 0.60% (5% after introductory period), 0% for 32 months on money transfers, with a fee of 4% (5% after introductory period), 0% for 3 months on card purchases.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    • Barclaycard Platinum 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.6% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
        • Contactless payment for items up to £30.
        • Instant online decision available.
        • £20 cashback when you transfer a balance of £500 or more
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 0.60% by a refund. (Terms and conditions apply)

    • Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.8% fee)
    • New Purchases Offer
      0% Fixed
      For 12 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Lloyds Bank

      Benefits

        • 0% for up to 32 months from account opening on balance transfers made within the first 90 days.
        • 0% for 12 months from account opening on purchases.
        • 0.8% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • MBNA Platinum 39 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 39 months
      (1.48% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        MBNA Limited

      Benefits

        • 0% p.a. for up to 39 months from account opening date, on balance transfers made within the first 60 days, 1.48% balance transfer handling fee.
        • 0% p.a. for up to 20 months from account opening date, on money transfers made within the first 60 days, 4% money transfer handling fee.
        • You are not able to transfer a balance from another MBNA credit card.
        • When these offers come to an end and for transfers made after the 60 days, the standard rate for balance transfers is 20.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).

      Before you Continue...

      • You must be at least 18 years old to apply.
        • Hold a UK bank/building society account.
        • UK permanent address for at least 3 years.
        • Good credit rating/history.
        • Eligibility for this credit card depends on your circumstances and the results of MBNA's eligibility check. The product, APR and promotional offer you could get may differ from the example.
      • Min Age
        18
      • Visit Website
    • 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.

    Low Transfer Fee

    Have you got a large balance on your credit card that you're struggling to pay off thanks to hefty interest fees? You could be able to save money by transferring your balance to a card that offers a more attractive interest rate. Some low-interest cards even offer periods of 0% interest.

    However, if you're looking to move your balance you need to find a provider with a low transfer fee. This will allow you to transfer your balance from an existing card to a different card for a small fee - usually between 1.5% and 2%. It's worth noting, however, that you will not be able to conduct a transfer if your existing card and future card are with the same provider.

    What are the Different Types of Low Transfer Fee Cards?

    Currently, there is a range of different low transfer fee and balance transfer cards available on the market that allow consumers to take advantage of more appealing interest rates. It is even possible to benefit from a 0% interest period on your balance depending on certain circumstances - so be sure to check the terms and conditions of each potential card. Remember, when looking for a low transfer fee, it's also important to consider the other perks that certain lenders may offer, as well as the interest rates you will face on your existing debt.

    What Fees Should I Expect to Pay?

    Though a low transfer fee card will offer you a lower transfer cost than other providers, you will still need to pay for your balance to be moved from one card to another. What's more, you may have to pay the same fees associated with other credit cards, including interest on the purchases that you make, and charges for missing repayments or using your card abroad.

    Is a Low Fee Better than a Long Interest-Free Period?

    The decision of whether a low transfer fee is more appealing than a long interest-free period on your balance transfer card will depend on your personal circumstances. For example, if you have a particularly large balance to transfer and repay, then a long interest-free period might help you to avoid extra interest costs in the future.

    How Long Will My Transfer Take?

    Once you've chosen a low transfer fee card with an attractive interest rate, your balance should be switched over within a few days. In some cases, it may take up to two weeks for a new card to be sent out to you, however, and the speed at which your transfer takes place may also depend on how quickly you pay the initial fees.

    How Can I Pay Off My Debt After the Transfer?

    Though switching to a low-interest credit card with a low transfer fee can help you to cut back on some of the costs associated with clearing your current balance, it's important to pay off your debt before the interest rate on your new card rises. For instance, if you're switching to a 0% interest card, that promotion will only last for a limited time before it raises to a standard level. A good option is to set up a direct debit calculated to clear your balance before the interest fee increases. Not only will you avoid extra costs, but you'll also reap the benefits and reassurance of never missing a payment!

    What Will My Credit Limit Be?

    Most providers state an 'assumed' credit limit when advertising cards. However, there is no guarantee that you will be offered this amount. Often, your provider will decide how much to lend you through an assessment of your credit history and application.

    Will My Credit Record Matter?

    Yes, the best deals on low-transfer credit cards are available to those with a strong credit record and a reliable source of income.

    How does our comparison table work?

    Our credit card comparison tool can help you identify the right credit card for you. How you choose a credit card will be driven by what you want from it, and we have broken down those key features for easier comparisons. To help you, we have initially ranked our credit cards by 'Our Most Popular', i.e. the cards that our users felt most suited their needs. You can reorder the comparison according to other criteria via the drop-down box directly above the table.

    Helpful links for credit card issues

    Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

    The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

    Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

    Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

    About this service: Comparison tables are provided by KnowYourMoney.co.uk and is a free service to our users. The tables include providers from whom we may receive commission. For more details on how our site works click here.

    The credit card data is supplied by Runpath Group Ltd, a registered company in England & Wales. Company Reg No: 07406032. Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG.

    The tables shows a range of products from the market and this service does not consider your personal credit position. Our service is non-advised, which means that no advice is given or implied.

    If you wish to complain about this service please click here.