Compare 0% Balance Transfer Credit Cards

We help you compare the best 0% interest free balance transfer credit cards available in the UK. Whether you're looking to transfer a little or a lot you can search offers from leading credit card providers and find the best card and lowest rates for your balance transfer here.
0% Balance Transfers
Glossary of TermsCompany / ProductBalance Transfer IntroPurchase IntroTypical APRMore
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CompanyRateDurationFeeRateDuration  
Promoted Results
VirginVirgin Credit Card0%16months2.98%0%3months16.6%Virgin Credit CardVisit Site
 Can't wait to get a credit card? They could give you a decision online right now.
BarclaycardBarclaycard Platinum With Balance Transfer0%15months2.9%0%3months15.9%Barclaycard Platinum With Balance TransferVisit Site
 With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under
NatWestNatWest Platinum Card Ex/C0%15months2.9%0%3months16.9%NatWest Platinum Card Ex/CVisit Site
 
This offer is only available to existing NatWest Customers.
RBSRBS Platinum Card Ex/C0%15months2.9%0%3months16.9%RBS Platinum Card Ex/CVisit Site
 
This offer is only available to existing RBS Customers.
EggEgg Visa Credit Card0%untilApr 20113%0%untilMay 201016.9%Egg Visa Credit CardVisit Site
MBNAMBNA Platinum Plus Card0%13months2.9%0%3months16.9%MBNA Platinum Plus CardVisit Site
 0% on balance transfers for 13 months when made within the first 90 days
BTBT Cash led Credit Card0%13months3%0%3months16.9%BT Cash led Credit CardVisit Site
MBNAMBNA Platinum Rewards Card0%13months2.9%0%3months16.9%MBNA Platinum Rewards CardVisit Site
 Receive MBNA Reward points for all your retail spending and earn bonus MBNA Reward points at selected Partners
NationwideNationwide Gold Visa0%13months3%0%3months16.9%Nationwide Gold VisaVisit Site
 
Have to register for their Internet Banking if not already a Nationwide customer.
BarclaycardBarclaycard Gold Credit Card0%untilMar 20112.5%n/an/a19.9%Barclaycard Gold Credit CardVisit Site
 A card to strengthen your credit rating, with 0% interest on balance transfers until Mar 2011 from opening account (2.5% handling fee)
MBNAMBNA Breakthrough Breast Cancer Credit Card0%12months3%0%3months15.9%MBNA Breakthrough Breast Cancer Credit CardVisit Site
 On first use: Breakthrough receive £5 from MBNA (within 90 days) & 25p for every £100 spent on card purchases. £2 for every year you continue to use your card.
bmibmi American Express Credit Card from MBNA0%12months3%0%3months15.9%bmi American Express Credit Card from MBNAVisit Site
 bmi American Express Credit Card from MBNA gives you the opportunity to earn bmi destinations miles through everyday spending.
MBNAMBNA Miles & More American Express0%12months3%0%3months15.9%MBNA Miles & More American ExpressVisit Site
MBNAMBNA Arsenal FC Card0%12months3%0%3months15.9%MBNA Arsenal FC CardVisit Site
 Contribution made to the Arsenal Youth Development programme. 3% fee applies on balance transfers.
MBNAMBNA British Heart Foundation MasterCard0%12months3%0%3months15.9%MBNA British Heart Foundation MasterCardVisit Site
 Contribution made to BHF every time you use your card at no extra cost to you. 3% bal.trans. fee.
MBNAMBNA Chelsea FC Card0%12months3%0%3months15.9%MBNA Chelsea FC CardVisit Site
 Chelsea FC receive a contribution at no extra cost to you every time you use your card. 3% bal trans fee.
MBNAMBNA Liverpool FC Card0%12months3%0%3months15.9%MBNA Liverpool FC CardVisit Site
 MBNA make a contribution to the club every time you use your card. 3% fee applies on balance transfers.
MBNAMBNA Manchester UTD FC Card0%12months3%0%3months15.9%MBNA Manchester UTD FC CardVisit Site
 Earn RedReward points & get entered into monthly draws for Man U. prizes. 3% bal trans fee.
MBNAMBNA The National Trust MasterCard0%12months3%0%3months15.9%MBNA The National Trust MasterCardVisit Site
 On first use: the National Trust receive £15 from MBNA (within 90 days) & 30p for every £100 spent on card purchases. £2 for every year you continue to use your card.
MBNAMBNA RSPCA Visa Card0%12months3%0%3months15.9%MBNA RSPCA Visa CardVisit Site
 On first use: RSPCA receive £20 from MBNA (within 90 days) & 25p for every £100 spent on card purchases.
MBNAMBNA Dog's Trust0%12months3%0%3months15.9%MBNA Dog's TrustVisit Site
UNICEFUNICEF Credit Card0%12months3%0%3months15.9%UNICEF Credit CardVisit Site
MBNAMBNA Aston Villa FC Card0%12months3%0%3months15.9%MBNA Aston Villa FC CardVisit Site
 Earn rewards points on their new Football Rewards scheme. 3% handling fee applies on balance transfers.
MBNAMBNA England FC Card0%12months3%0%3months15.9%MBNA England FC CardVisit Site
 Receive a free replica England Football home shirt. (A handling fee applies)
MBNAMBNA Tottenham Hotspur FC Card0%12months3%0%3months15.9%MBNA Tottenham Hotspur FC CardVisit Site
 Each time you spend on your card, a contribution is made to your Club at no extra cost. 3% b.t. fee.
AAAA The Credit Card0%untilFeb 20112.99%0%untilFeb 201116.9%AA The Credit CardVisit Site
 
0% ONLY on motoring and fuel purchases. Rewards Points to purchase from a range of motoring products and services.
HalifaxHalifax All in One Card MasterCard0%9months3%0%9months15.9%Halifax All in One Card MasterCardVisit Site
SagaSaga Platinum0%9months3%0%9months11.9%Saga PlatinumVisit Site
 
This product is only available to those aged over 50.
Bank of ScotlandBank of Scotland All in One Card MasterCard0%9months3%0%9months15.9%Bank of Scotland All in One Card MasterCardVisit Site
TescoTesco Clubcard MasterCard0%6months2%0%12months16.9%Tesco Clubcard MasterCardVisit Site
 Fastest way to collect Clubcard points everywhere you shop!
VirginVirgin Atlantic Amex White Card from MBNA0%6months2%n/an/a17.9%Virgin Atlantic Amex White Card from MBNAVisit Site
 3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
BarclaycardBarclaycard Gold Visa 6 Month BT Reduction0%6months2.5%n/an/a19.9%Barclaycard Gold Visa 6 Month BT ReductionVisit Site
 A card to strengthen your credit rating. 0.5% APR decrease every 6 mths (maximum 2% decrease) for 35 mths.
Full Results
VirginVirgin Credit Card0%16months2.98%0%3months16.6%Virgin Credit CardVisit Site
 Can't wait to get a credit card? They could give you a decision online right now.
BarclaycardBarclaycard Platinum With Balance Transfer0%15months2.9%0%3months15.9%Barclaycard Platinum With Balance TransferVisit Site
 With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under
NatWestNatWest Platinum Card Ex/C0%15months2.9%0%3months16.9%NatWest Platinum Card Ex/CVisit Site
 
This offer is only available to existing NatWest Customers.
RBSRBS Platinum Card Ex/C0%15months2.9%0%3months16.9%RBS Platinum Card Ex/CVisit Site
 
This offer is only available to existing RBS Customers.
HSBCHSBC Credit Card Ex/C0%15months2.9%0%3months16.9%HSBC Credit Card Ex/CVisit Site
 
Only available to existing customers.
First DirectFirst Direct Gold Visa Ex/C Only0%15months2.9%17%12months16.9%First Direct Gold Visa Ex/C OnlyVisit Site
 
This product is only available to existing customers.
First DirectFirst Direct Visa Credit Card (Black) Ex/C Only0%15months2.9%20%6months19.9%First Direct Visa Credit Card (Black) Ex/C OnlyVisit Site
 
This product is only available to existing customers.
NatWestNatWest Advantage Platinum Card Ex/C0%15months2.9%0%3months15.9%NatWest Advantage Platinum Card Ex/CVisit Site
RBSRBS Royalties Platinum Card Ex/C0%15months2.9%0%3months15.9%RBS Royalties Platinum Card Ex/CVisit Site
SantanderSantander Credit Card0%15months3%0%3months15.9%Santander Credit CardVisit Site
EggEgg Visa Credit Card0%untilApr 20113%0%untilMay 201016.9%Egg Visa Credit CardVisit Site
MBNAMBNA Platinum Plus Card0%13months2.9%0%3months16.9%MBNA Platinum Plus CardVisit Site
 0% on balance transfers for 13 months when made within the first 90 days
BTBT Cash led Credit Card0%13months3%0%3months16.9%BT Cash led Credit CardVisit Site
MBNAMBNA Platinum Rewards Card0%13months2.9%0%3months16.9%MBNA Platinum Rewards CardVisit Site
 Receive MBNA Reward points for all your retail spending and earn bonus MBNA Reward points at selected Partners
NationwideNationwide Gold Visa0%13months3%0%3months16.9%Nationwide Gold VisaVisit Site
 
Have to register for their Internet Banking if not already a Nationwide customer.
NationwideNationwide Classic Visa0%13months3%0%3months19.9%Nationwide Classic VisaVisit Site
Bank of ScotlandBank of Scotland Plus Credit Card0%13months3%0%3months16.9%Bank of Scotland Plus Credit CardVisit Site
HalifaxHalifax Plus Credit Card0%13months3%0%3months16.9%Halifax Plus Credit CardVisit Site
NatWestNatWest Private Banking High Net Worth Credit Card Ex/C0%13months2.9%0%6months14.9%NatWest Private Banking High Net Worth Credit Card Ex/CVisit Site
RBSRBS Private Banking High Net Worth Credit Card Ex/C0%13months2.9%0%6months14.9%RBS Private Banking High Net Worth Credit Card Ex/CVisit Site
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Balance Transfer Credit Cards

The secrets of choosing and using a balance transfer card explained

As an incentive to attract new customers many credit card providers offer a low interest introductory period on balance transfers. They allow money owed on existing store or credit cards to be transferred to a new card initially with a lower rate of interest.

Many providers offer 0% interest on balance transfers for anything between 3 months and a year. Unless you are planning to chase 0% interest rates and transfer your balance from one card to another each time they expire, it is important to check the standard APR offered by a provider after the introductory period.

Before transferring your balances make sure that you are aware of any balance transfer, or handling fee imposed by the provider as this tends to be charged at roughly 2-3% of the balance you intend to transfer. Also check whether there is a time limit in which balances have to be transferred to qualify for the low interest rate. Deals that offer low interest balance transfers for a set number of months are preferable to those that specify an end date as it takes time to transfer your balances and you may loose out on some of the low interest period.

Additionally if you are transferring your balance to a balance transfer credit card with the intention of paying it off, try not to make purchases with the card as these will most likely be charged at the providers' standard APR rate. If you still want to make purchases it may be best to look for credit cards that offers low introductory rates for purchases.

If you don't want to chase 0% interest offers it may be worth transferring your balances to a card which offers a low rate for the life of your balance.

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