Barclaycard Platinum With Balance Transfer (33 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 33 months
2.79% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.79% by a refund. Terms and conditions apply.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.9% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Barclaycard Platinum With Balance Transfer (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.69% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.69% by a refund. Terms and conditions apply.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Halifax Balance Transfer Credit Card (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.7% fee
0% for 6 months18.9%
Balance transfer refund available - a 3% initial fee will be charged, however 0.3% of the balance will be refunded automatically within 90 days.
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).
 
Lloyds Bank Platinum Balance Transfer Card (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
3.5% fee
0% for 6 months18.9%
Standard balance transfer fee of 3.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Bank of Scotland Platinum Balance Transfer Card (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
3.5% fee
0% for 6 months18.9%
Standard balance transfer fee of 2.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
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).
 
MBNA Platinum Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.88% fee
0% for 3 months18.9%
0% on money transfers for 31 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. ConsumerMoneyfacts Credit Card Provider of 2014.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Sainsbury's Bank Nectar Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.89% fee
0% for 6 months18.9%
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).
 
Halifax Balance Transfer Credit Card (30 Mths) - Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.5% fee
0% for 6 months18.9%
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).
 
Virgin Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 29 months
2.99% fee
0% for 6 months18.9%
0% on money transfers for 29 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 annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
fluid Balance Transfer Card - Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 29 months
2.9% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Santander Long Term Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 29 months
3% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Bank of Scotland Platinum Balance Transfer Card (28 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 28 months
1.5% fee
0% for 12 months18.9%
The APR and length of the promotional offer are dependent on your personal circumstances.
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).
 
TSB Platinum Balance Transfer Card - (28 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 28 months
3% fee
0% for 3 months18.9%
Low fee balance transfer card.
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
AA Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 28 months
2.9% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Nationwide Credit Card (Balance Transfer)
Balance TransfersPurchasesRepresentative APR
0% for 26 months
2.4% fee
0% for 3 months17.9%
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).
 
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 25 months
1.99% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Lloyds Bank Platinum Balance Transfer Card (24 Mths) - Excl
Balance TransfersPurchasesRepresentative APR
0% for 24 months
1.5% fee
0% for 3 months17.9%
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 (24 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 24 months
1.5% fee
0% for 3 months18.9%
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).
 
MBNA Everyday Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 21 months
1.5% fee
0% for 11 months14.9%
0% on money transfers for 21 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. ConsumerMoneyfacts Credit Card Provider of 2014.
Representative Example: The annual purchase rate is 14.9% p.a.(variable) so if you spend £1,200 your representative APR will be 14.9% (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.

Charge Card

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 2014 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 0% balance transfer card 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.

Credit Card Comparison