Balance to transfer:
Your existing credit card provider:
    We've assumed: change
    You're paying 18.9% APR on your current card & making a minimum payment of 1% plus interest.
    This comparison includes all credit cards that offer 0% balance transfers.
    This comparison now shows 0% balance transfer cards that fit your criteria.
    We are a comparison website that's authorised and regulated by the FCA as a credit broker. How our site works.
    Barclaycard Platinum With Balance Transfer (36 Mths)
    Balance transfers
    0% for 36 months
    Balance transfer fee
    2.49%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £2,071.22 over 36 months
    A fee of 3.5% will be applied, then reduced to 2.49% until 01/06/15 by a refund (terms and conditions apply)
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Halifax Balance Transfer Credit Card (36 Mths)
    Balance transfers
    0% for 36 months
    Balance transfer fee
    2.9%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £2,050.72 over 36 months
    Balance transfer refund available - a 3% initial fee will be charged, however 0.1% of the balance will be refunded automatically within 90 days.
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Bank of Scotland Platinum Balance Transfer Card (36 Mths)
    Balance transfers
    0% for 36 months
    Balance transfer fee
    3%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £2,045.72 over 36 months
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Barclaycard Platinum With Balance Transfer (35 Mths)
    Balance transfers
    0% for 35 months
    Balance transfer fee
    2.39%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £2,025.48 over 35 months
    A fee of 3.5% will be applied, then reduced to 2.39% until 01/06/15 by a refund (terms and conditions apply)
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    MBNA Platinum Credit Card (35 Mths)
    Balance transfers
    0% for 35 months
    Balance transfer fee
    2.69%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £2,010.48 over 35 months
    0% on money transfers for 12 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening.
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Tesco Bank Clubcard Credit Card (Balance Transfer)
    Balance transfers
    0% for 35 months
    Balance transfer fee
    2.7%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £2,009.98 over 35 months
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Lloyds Bank Platinum Balance Transfer Card (35 Mths)
    Balance transfers
    0% for 35 months
    Balance transfer fee
    3%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,994.98 over 35 months
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Sainsbury's Bank Nectar Balance Transfer Credit Card
    Balance transfers
    0% for 34 months
    Balance transfer fee
    2.89%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,949.22 over 34 months
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    fluid Balance Transfer Card (33 Mths)
    Balance transfers
    0% for 33 months
    Balance transfer fee
    2.88%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,897.94 over 33 months
    0% on money transfers for the first 24 months with a 3.99% handling fee (£3 min). The introductory rate is for balance and money transfers within the first 60 days of your account opening.
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Barclaycard Platinum With Balance Transfer (28 Mths)
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.35%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,707.44 over 28 months
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.49%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,700.44 over 28 months
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Bank of Scotland Platinum Balance Transfer Card (28 Mths)
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.5%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,699.94 over 28 months
    1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Lloyds Bank Platinum Balance Transfer Card (28 Mths)
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.5%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,699.94 over 28 months
    1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Halifax Balance Transfer Credit Card (28 Mths)
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.5%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,699.94 over 28 months
    1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter.
    The APR and length of the promotional offer are dependent on your personal circumstances.
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    TSB Platinum Balance Transfer Card - (28 Mths)
    Balance transfers
    0% for 28 months
    Balance transfer fee
    3%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,624.94 over 28 months
    Low fee balance transfer card.
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Lloyds Bank Avios Rewards Credit Card
    Balance transfers
    0% for 28 months
    Balance transfer fee
    3%
    Representative APR (variable)
    23.7% APR
    You could save up to
    £1,552.94 over 28 months
    No foreign transaction fees when using your cards abroad. Flight upgrade upon £7,000 spend per year. Double Avios points for the first 6 months on the Avios American Express Card.
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.7% APR (variable). £24 annual fee.
    Lloyds Bank Choice Rewards Credit Card
    Balance transfers
    0% for 28 months
    Balance transfer fee
    3%
    Representative APR (variable)
    23.7% APR
    You could save up to
    £1,552.94 over 28 months
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.7% APR (variable). £24 annual fee.
    Nationwide Credit Card (Balance Transfer)
    Balance transfers
    0% for 26 months
    Balance transfer fee
    2.4%
    Representative APR (variable)
    17.9% APR
    You could save up to
    £1,544.28 over 26 months
    Choose the Nationwide Credit Card offer that will best suit your needs. Earn commission-free purchases abroad & access a range of savings on big brands with the Simply Rewards Scheme.
    Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
    Santander 123 Credit Card
    Balance transfers
    0% for 23 months
    Balance transfer fee
    No fee
    Representative APR (variable)
    16.5% APR
    You could save up to
    £1,440.98 over 23 months
    Representative Example: The standard interest rate on purchases is 12.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 16.5% APR (variable). £24 annual fee.
    Barclaycard Platinum Purchase
    Balance transfers
    0% for 23 months
    Balance transfer fee
    2.49%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,369.48 over 23 months
    A fee of 3.5% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).

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    How to find the best balance transfer credit cards

    Getting the best balance transfer credit card is essential if you want to cut the cost of your credit card debts by moving them to a cheaper home. Here's how to find the best credit card balance transfer deal.

    Applying for a balance transfer card is a good way to make your debts less expensive and ultimately pay them off quicker.

    There are two main types of balance transfer cards:

    1. 0% balance transfer credit cards that offer an interest free home for your credit card debt for a set number of months

    2. Lifetime balance transfer cards that apply a low interest rate for the full duration of time you have the debt outstanding.

    In general, a 0% balance transfer credit card will be cheaper over the shorter term while lifetime balance transfer cards become cheaper the longer you'll take to repay the debt - (unless you're willing to jump from one 0% balance transfer card to another).

    Of course, with 0% balance transfer deals getting longer and longer all the time, you are more likely than ever to be able to find a 0% card that'll cover the life of your repayments.

    Step by step guide

    To work out which is the cheapest option you need to work out exactly how long you need to repay the credit card borrowing you want to transfer.

    Luckily for you the 0% balance transfer credit card price war is in full swing and lenders are trying to outdo one another to offer the longest 0% deal.

    Check if the best 0% balance transfer credit cards available at the time offer a long enough interest free period to cover your repayment schedule. If so you should then choose the card with the cheapest handling fee that you meet the eligibility criteria for.

    If you find that you'll need several months more than the longest repayment schedule then you'll need to consider whether you're likely to remember to make another 0% balance transfer when the initial deal ends.

    If not then you may be better off looking for the lowest interest rate available on a lifetime balance transfer card.

    Regardless of which type of card your choose you'll also need to factor in any balance transfer fee into your calculations to double check you're getting the cheapest credit card balance transfer offers.

    Whether you're able to complete a balance transfer will also depend on being accepted for a sufficient credit limit on the new card to cover your transfer, which is based upon your credit record and level of income.

    If the credit limit you're offered isn't quite big enough you should still transfer as much of your expensive debt as you can. This way you'll at least be cutting the cost of a significant portion of your debt and you can either focus on paying the remainder off as quickly as possible or making alternative arrangements for it.

    You can compare the best credit card balance transfer offers side by side using our credit card balance transfer comparison table and use the advanced search to find super balance transfer cards for your circumstances.

    Featured guide

    Credit card FAQs

    Credit cards can be a cheap and flexible way to borrow money. But with so many different cards on the market, a host of rules and potentially high charges, you need to be on the ball.

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