Compare 0% Balance Transfer Credit Cards

We help you compare the best 0% balance transfer credit cards in the UK so you have your pick of the top interest free deals. Whether you want 0% interest to balance transfer a little or a lot you can search offers from leading 0% balance transfer credit card providers and find the best card and lowest rates for your balance transfer here.
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Balance Transfer IntroPurchase IntroRepresentative APR  
RateDurationFeeRateDuration(Variable) 
Promoted Results
Barclaycard
Platinum With BT (26 Mths)
0%
26
months
3.5%0%
6
months
18.9%
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).
NatWest
Platinum Card (Online)
0%
26
months
2.65%0%
6
months
18.9%
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).
RBS
Platinum Card
0%
26
months
2.65%0%
6
months
18.9%
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).
Barclaycard
Platinum With BT (25 Mths)
0%
25
months
2.4%0%
6
months
18.9%
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).
Refund offer on the balance transfer fee, was 3.5% now 2.4% (terms and conditions apply)
Tesco Bank
Clubcard Credit Card for Balance Transfers
0%
25
months
2.9%0%
3
months
16.9%
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).
Barclaycard
Business Balance Transfer Card
0%
22
months
2.5%0%
3
months
18.9%
Representative Example: If you spend £1,500 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
0% interest on balance transfers for 22 months (from account opening). Only 2.5% balance transfer handling fee.
Nationwide
Credit Card (Balance Transfer - Online)
0%
20
months
3.1%0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
MBNA
Everyday Credit Card
0%
18
months
1.99%0%
8
months
12.9%
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).
Barclaycard
Platinum With BT (18 Mths)
0%
18
months
2.9%0%
3
months
24.9%
Representative Example: The annual purchase rate is 24.9% p.a.(variable) so if you spend £1,200 your representative APR will be 24.9% (variable).
0% interest on balance transfers for 18 months from account opening (2.9% handling fee applies)
Bank of Scotland
 
Platinum Card (Online)
0%
18
months
3%0%
3
months
17.9%
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).
Santander
Credit Card
0%
17
months
3%0%
3
months
17.9%
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).
Manage your accounts online anytime of day. Manage your card on the go with the mobile app for the iPhone or iPad.
Barclaycard
Platinum Low BT Fee
0%
16
months
1.5%0%
3
months
18.9%
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).
AA
Balance Transfer Credit Card
0%
16
months
2.9%0%
3
months
17.9%
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).
Long 0% period on balance transfers with competitive 2.9% fee, plus earn while you spend with a generous rewards scheme. Good credit customers.
Sainsbury's Bank
 
Sainsbury's Cashback Credit Card
0%
15
months
3%0%
6
months
17.9%
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).
5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month). £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere.
NatWest
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent. Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
RBS
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
0%
15
months
3%0%
6
months
17.9%
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).
Halifax
All in One Card MasterCard
0%
15
months
1%0%
15
months
17.9%
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).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
Post Office
Credit Card
0%
14
months
2.98%0%
3
months
16.9%
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).
0% commission on purchases made overseas.
NatWest
Platinum Low Fee BT
0%
13
months
1%0%
6
months
18.9%
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).
RBS
Platinum Low Fee BT
0%
13
months
1%0%
6
months
18.9%
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).
Lloyds TSB
Platinum Purchase Card
0%
13
months
3%0%
13
months
17.9%
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).
M&S Bank
M&S Credit Card
0%
12
months
2.9%0%
15
months
16.9%
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).
AA
Rewards Credit Card
0%
12
months
3%0%
10
months
16.9%
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).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
Barclaycard
Gold Credit Card
0%
12
months
2.5%
---
---
19.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
Do you have an average credit history, not excellent?
Tesco Bank
Clubcard Credit Card for Purchases
0%
9
months
2.9%0%
16
months
16.9%
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).
Barclaycard
Freedom Rewards
0%
9
months
2.9%
---
---
18.9%
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).
Get 17,500 Freedom bonus points worth £50 when you spend £500 or more in your first three months.
Barclaycard
High 5 Cashback Card
0%
9
months
2.9%
---
---
24.8%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 24.8% (variable)+£24 fee p.a
Virgin
Atlantic White Card Account
0%
6
months
2%
---
---
17.9%
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).
3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
Virgin
Atlantic Black Card Account
0%
6
months
2%
---
---
52.1%
Representative Example: 18.9% p.a. variable on card purchases. This is equivalent to 52.1% APR representative variable based on a credit limit of £1,200. Annual fee of £140 is payable.
6,000 bonus miles with your first card purchase.
Lloyds TSB
Duo Avios Credit Cards
0%
6
months
3%
---
---
17.9%
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).
You could get 15,000 Avios - enough for a return flight, when you successfully apply for the Duo Avios and spend £500 a month for the first three months. T&C's apply.
Lloyds TSB
Premier Duo Avios without Premier AVA
0%
6
months
3%
---
---
23.7%
Representative Example: The annual purchase rate is 13.95% p.a.(variable) so if you spend £1,200 your representative APR will be 23.7% (variable)+£50 fee p.a
You could get 20,000 Avios - enough for a return flight, when you successfully apply for the Duo Avios and spend £500 a month for the first three months. T&C's apply.
Shout
Visa
No introductory rate
---
---
No introductory rate
---
627%
Representative Example: If you spend £300 on a purchase transaction at the start of your agreement, and incur total monthly charges of £540 over a period of 20 months your representative APR will be 627% (variable).
The NEW shout Visa Credit Card. For people who want credit to be simple, clear and affordable
Full Results
Barclaycard
Platinum With BT (26 Mths)
0%
26
months
3.5%0%
6
months
18.9%
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).
NatWest
Platinum Card (Online)
0%
26
months
2.65%0%
6
months
18.9%
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).
RBS
Platinum Card
0%
26
months
2.65%0%
6
months
18.9%
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).
Barclaycard
Platinum With BT (25 Mths)
0%
25
months
2.4%0%
6
months
18.9%
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).
Refund offer on the balance transfer fee, was 3.5% now 2.4% (terms and conditions apply)
Tesco Bank
Clubcard Credit Card for Balance Transfers
0%
25
months
2.9%0%
3
months
16.9%
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).
Halifax
Balance Transfer Card
0%
25
months
2.5%0%
3
months
18.9%
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).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
Barclaycard
Platinum With BT (25 Mths) - Branch
0%
25
months
3.2%0%
6
months
18.9%
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).
fluid
Balance Transfer Card
0%
24
months
2.89%0%
3
months
16.9%
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).
MBNA
Platinum Credit Card 24/3 (Direct)
0%
24
months
2.85%0%
3
months
16.9%
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).
HSBC
Credit Card
0%
23
months
3.3%0%
3
months
17.9%
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).
Only available to existing HSBC current account customers, paying in at least £500 a month.
MBNA
Platinum Credit Card
0%
23
months
2.5%0%
3
months
16.9%
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).
Barclaycard
Business Balance Transfer Card
0%
22
months
2.5%0%
3
months
18.9%
Representative Example: If you spend £1,500 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
0% interest on balance transfers for 22 months (from account opening). Only 2.5% balance transfer handling fee.
MBNA
Platinum Credit Card
0%
22
months
2%0%
3
months
16.9%
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).
NatWest
Platinum Card Ex/C
0%
22
months
3.2%0%
6
months
17.9%
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).
RBS
Platinum Card Ex/C
0%
22
months
3.2%0%
6
months
17.9%
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).
Halifax
Balance Transfer Card 21/3 (attached to 25/3)
0%
21
months
2.5%0%
3
months
21.9%
Representative Example: The annual purchase rate is 21.9% p.a.(variable) so if you spend £1,200 your representative APR will be 21.9% (variable).
Lloyds TSB
Platinum BT Card (Online only) 21 Mths
0%
21
months
3%0%
3
months
17.9%
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).
Nationwide
Credit Card (Balance Transfer - Online)
0%
20
months
3.1%0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Nationwide
Select Credit Card (Online)
0%
20
months
3.1%0%
12
months
12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
First Direct
Gold Visa
0%
20
months
2.9%17%
---
16.9%
Representative Example: The annual purchase rate is 17% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
This product is only available to existing customers.
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Useful ISA transfer info.

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, 0% balance transfer credit cards are 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.

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.

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