Compare Balance Transfer No Fee Credit Cards

Compare the best balance transfer no fee credit cards available in the UK and find the cheapest credit card for your balance transfers in a matter of moments. We make it easy to see which credit cards offer the best deals on no fee transfers so you don't pay any more than you need to in charges and interest when you make a credit card balance transfer.
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Tesco Bank Clubcard Credit Card with Low APR
Balance TransfersPurchasesRepresentative APR
0% for 3 months0% for 3 months7.8%
There is a 0.00% handling fee for balances transferred during the first 3 months from account opening.
Representative Example: The annual purchase rate is 7.84% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
 
RBS Clear Rate Platinum Credit Card
Balance TransfersPurchasesRepresentative APR
6.9% for lifetime of balance6.9% for lifetime11.1%
Representative Example: The annual purchase rate is 6.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.1% (variable)+£24 fee p.a
 
NatWest Clear Rate Platinum Credit Card
Balance TransfersPurchasesRepresentative APR
6.9% for lifetime of balance6.9% for lifetime11.1%
Representative Example: The annual purchase rate is 6.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.1% (variable)+£24 fee p.a
 
Danske Bank Standard Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 5 months0% for 5 months22.9%
This product is only available to existing customers.
Representative Example: The annual purchase rate is 20.76% p.a.(variable) so if you spend £1,200 your representative APR will be 22.9% (variable).
 
Danske Bank Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 5 months0% for 5 months22.9%
Representative Example: The annual purchase rate is 20.76% p.a.(variable) so if you spend £1,200 your representative APR will be 22.9% (variable).
 
The Co-operative Bank Think Credit Card
Balance TransfersPurchasesRepresentative APR
3.9% for 6 months0% for 3 months12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
 
The Co-operative Bank Clear Credit Card Ex/C
Balance TransfersPurchasesRepresentative APR
2.9% for 12 months-11.9%
Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
 

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The Easy Way to Find the Cheapest Balance Transfer No Fee Credit Card

Credit cards often stand accused as being one of the leading causes of debt but used correctly, it's possible that your flexible friend could actually help you pay off what you owe.

Range Of Credit Cards

There are lots of balance transfer no fee cards on the market which means that more of the pennies you pay goes towards getting rid of your debt, rather than being swallowed up by transfer charges. And you might just find that you are much better off in the long run, despite having a new credit card in your wallet!

We take a look at some of the factors you should consider in order to find the best no fee balance transfer credit cards.

0% balance transfer no fee cards are a thing of the past

If you were hoping to find a balance transfer no fee 0% interest credit card you will be disappointed as these are generally no longer available in the market.

If you find a provider willing to offer no fee balance transfers on credit cards you should check the rate of interest payable as unfortunately the chances are you will have to pay one or the other.

But that doesn't mean that balance transfer no fee offers are worthless. Although you will have to swallow interest payments, switching your debts under a credit card balance transfer offers no fee deal means that you can shop around for a provider who charges you less interest that your current card issuer.

What to look for when carrying out a no fee balance transfer comparison

The best credit card deals for no fee balance transfers are those which offer the lowest rate of interest, thereby allowing more of your cash to go towards clearing your debts.

However, when you compare balance transfer no fee credit cards, it's important to look beyond the headline rate as otherwise you could get caught signing up for a deal which works out more expensive in the longer term.

There is lots of competition in the market for credit card for balance transfers with no fee and providers are competing against each other for business. This can only be great news for the consumer as this kind of situation drives down costs.

But providers know that offering a balance transfer no transaction fee isn't enough to attract customers so many offer introductory rates of interest too. This can mean that the APR on your balance transfer is very low but after the introductory period expires, it can shoot up. You might even end up with an interest rate higher than what you are already paying!

Therefore, particularly if you plan on using your card for new purchases, it's essential to check what the interest rate is for new spending as well as how long the introductory deal will last before reverting to the 'normal' APR.

Credit Card Comparison

Alternative Credit Cards

You may want to compare the above credit cards with the following.

The Co-operative Bank Members' Credit Card Ex/C

  • Members' Credit Card Ex/C gives a minimum moneyback rate of 0.5%.
  • 1.24 percent monthly balance transfer rate is available with the credit card.
  • Date of trans debit interest rate charged from is offered with Members' Credit Card Ex/C.
  • Get 0 minimum balance transfer fee from The Co-operative Bank.
  • Benefit from a purchase rate AER of 15.9% from this Members' Credit Card Ex/C.
  • Get an average cashback rate of 0.5 percent from the credit card.
  • Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend 1,200 your representative APR will be 15.9% (variable).

AA Rewards Credit Card Ex/C

  • A monthly balance transfer intro rate of 0 percent is available from AA.
  • Monthly purchase intro rate of 0 percent is available.
  • The credit card offers 10 months initial purchase duration.
  • 16.9% purchase interest AER is offered with the credit card.
  • Get 18.9 percent std balance transfer rate from AA.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend 1,200 your representative APR will be 16.9% (variable).

Bank of Ireland Ulster Rugby Credit Card

  • A mthly purchase intro rate of 0 percent is offered by Bank of Ireland.
  • 2.98% balance transfer fee is offered with Ulster Rugby Credit Card.
  • 0 months intro balance transfer window is offered.
  • Initial balance transfer rate of 0 percent.
  • Get 17.9 percent standard balance transfer rate from Bank of Ireland.
  • Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend 1,200 your representative APR will be 17.9% (variable).

Halifax All in One Card Credit Card

  • Unlimited max intro balance transfer fee.
  • 17.95 percent std balance transfer rate is available.
  • Customers get date of trans debit interest charged from.
  • Get 0% monthly balance transfer intro rate from Halifax.
  • You get 3 minimum balance transfer fee from this credit card.
  • Have the benefit of an introductory purchase duration of 15 months from All in One Card Credit Card.
  • Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend 1,200 your representative APR will be 17.9% (variable).

Halifax Balance Transfer Credit Card

  • Have the benefit of an introductory balance transfer window of 90 days from the Balance Transfer Credit Card.
  • 2.45 percent initial balance transfer fee is offered with Balance Transfer Credit Card.
  • Initial purchase rate of 0% is offered with Balance Transfer Credit Card.
  • This credit card offers a 3% balance transfer fee.
  • Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend 1,200 your representative APR will be 18.9% (variable).

Barclaycard Business Credit Card

  • Enjoy a minimum annual turnover of 0 from this credit card.
  • This Barclaycard credit card has an introductory purchase duration of 3 months.
  • The credit card offers an unlimited maximum annual turnover.
  • The credit card gives 0 yrs minimum trading time.
  • Take advantage of an introductory purchase rate of 0 percent from the Business Credit Card.
  • Get a mthly purchase intro rate of 0% from this credit card.
  • Representative Example: If you spend 1,500 at a purchase interest rate of 16.9% (variable) with a 32 annual Fee your Representative APR will be 21.9% (variable).

Lloyds Bank Business Credit Card Ex/C

  • You get 22.4% representative APR from the credit card.
  • Benefit from a cash loan rate of 16.3 percent from the Business Credit Card Ex/C.
  • Customers can get 1 years minimum trading time.
  • Lloyds Bank gives minimum yearly turnover of 0.
  • Representative Example: 22.4% APR representative variable. Based on 1,200 credit limit & annual purchase rate 16.3% p.a. variable.