Compare Low Balance Transfer Fee Credit Cards

Compare cheap low balance transfer fee credit cards at a glance & find the best low fee credit card so it costs you as little as possible to make a 0% balance transfer. Our low fee balance transfer credit card comparison makes it easy to find low handling fee credit cards in minutes so getting the best low fee credit card deals is easy.
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Search 258 credit cards.
All Credit Cards0% Balance Transfers
0% PurchasesCashback & Rewards
Low Standard APR
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Balance Transfer IntroPurchase IntroRepresentative APR  
RateDurationFeeRateDuration(Variable) 
Promoted Results
Barclaycard
Platinum Low BT Fee
0%
17
months
1.6%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).
2.1% Balance Transfer fee with a 0.5% refund, reduces this to equivalent of 1.6% for everyone (terms & conditions apply).
Virgin
All Round Credit Card
0%
16
months
1.99%0%
6
months
15.8%
Representative Example: The annual purchase rate is 15.8% p.a.(variable) so if you spend £1,200 your representative APR will be 15.8% (variable).
Play.com
Credit Card
0%
6
months
1.5%0%
9
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).
1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening.
Virgin
Atlantic White Card Account (Visa)
0%
6
months
2%17.9%
n/a
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).
You'll earn 1 Flying Club mile for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £2 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
Virgin
Atlantic Black Card Account (Visa)
0%
6
months
2%18.9%
n/a
47.2%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 47.2% (variable)+£140 fee p.a
You'll earn 2 Flying Club miles for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £1 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
Sainsbury's Bank
 
Sainsbury's Low Rate Credit Card
6.95%Unlimited0%6.95%
n/a
6.9%
Representative Example: The annual purchase rate is 6.9% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
You must have a Nectar Card in order to apply for the Credit Card. Nectar points are NOT earned using this Credit Card
Barclaycard
Platinum Simplicity
7.9%Unlimited0%7.9%
n/a
7.9%
Representative Example: The annual purchase rate is 7.9% p.a.(variable) so if you spend £1,200 your representative APR will be 7.9% (variable).
Capital One
One Rate
n/a
n/a
0%9.9%
n/a
9.9%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 9.9% (variable).
Full Results
Barclaycard
Platinum Low BT Fee
0%
17
months
1.6%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).
2.1% Balance Transfer fee with a 0.5% refund, reduces this to equivalent of 1.6% for everyone (terms & conditions apply).
Virgin
All Round Credit Card
0%
16
months
1.99%0%
6
months
15.8%
Representative Example: The annual purchase rate is 15.8% p.a.(variable) so if you spend £1,200 your representative APR will be 15.8% (variable).
Play.com
Credit Card
0%
6
months
1.5%0%
9
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).
1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening.
Virgin
Atlantic White Card Account (Visa)
0%
6
months
2%17.9%
n/a
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).
You'll earn 1 Flying Club mile for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £2 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
Virgin
Atlantic Black Card Account (Visa)
0%
6
months
2%18.9%
n/a
47.2%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 47.2% (variable)+£140 fee p.a
You'll earn 2 Flying Club miles for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £1 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
MBNA
American Airlines AAdavantage (Amex)
0%
6
months
2%0%
12
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).
Virgin
Atlantic White Card Account (Amex)
0%
6
months
2%17.9%
n/a
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).
MBNA
American Airlines AAdavantage (Visa)
0%
6
months
2%0%
12
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).
Virgin
Atlantic Black Card Account (Amex)
0%
6
months
2%18.9%
n/a
47.2%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 47.2% (variable)+£140 fee p.a
Northern Bank
Gold Credit Card
0%
5
months
0%0%
5
months
41.6%
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 41.6% (variable)+£132 fee p.a
This product is only available to existing customers.
Northern Bank
Standard MasterCard Credit Card
0%
5
months
0%0%
5
months
22.9%
Representative Example: The annual purchase rate is 22.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.9% (variable).
This product is only available to existing customers.
Northern Bank
Platinum Credit Card
0%
5
months
0%0%
5
months
58.3%
Representative Example: The annual purchase rate is 14.9% p.a.(variable) so if you spend £1,200 your representative APR will be 58.3% (variable)+£216 fee p.a
This product is only available to existing customers.
Northern Bank
Standard Visa Credit Card
0%
5
months
0%0%
5
months
22.9%
Representative Example: The annual purchase rate is 22.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.9% (variable).
Northern Bank
24/7 MasterCard
0%
5
months
0%0%
5
months
15.9%
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).
Halifax
Rewards Clarity Credit Card
2.9%
16
months
0%12.9%
n/a
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).
Halifax
Clarity Credit Card
2.9%
16
months
0%12.9%
n/a
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).
Sainsbury's Bank
 
Sainsbury's Low Rate Credit Card
6.95%Unlimited0%6.95%
n/a
6.9%
Representative Example: The annual purchase rate is 6.9% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
You must have a Nectar Card in order to apply for the Credit Card. Nectar points are NOT earned using this Credit Card
Barclaycard
Platinum Simplicity
7.9%Unlimited0%7.9%
n/a
7.9%
Representative Example: The annual purchase rate is 7.9% p.a.(variable) so if you spend £1,200 your representative APR will be 7.9% (variable).
Virgin
Charity Credit Card
8.9%Unlimited2%12.9%
n/a
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).
Virgin
Marathon Credit Card
8.9%Unlimited2%12.9%
n/a
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).
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money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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How to Find the Best Low Fee Balance Transfer Credit Cards

If you’re looking to move expensive credit card debt to a low cost home but are put off by the upfront handling costs, one of the many 0% balance transfer credit card with low fee could be the solution you're looking for.

0% balance transfer credit cards can be a great way to cut the cost of your credit card debts, reducing the amount of interest you pay to nothing for a number of months so you can focus on paying off what you owe.

It's tempting to go for the credit card that offers the longest 0% deal on balance transfers without properly researching your options. However, this could actually work out more expensive for you in the long run.

This is because most 0% balance transfer credit cards apply a transfer fee (also called a handling fee) when you move your debts. This tends to be around 3% but can sometimes be up to 5%, meaning you have more to pay back before you’ve even started.

Most of the balance transfer credit cards that offer the longest 0% periods charge high handling fees. However, if you could repay your borrowing sooner you could cut your costs considerably by applying for a low fee balance transfer credit card.

While 0% balance transfer with low fee credit cards tend to offer a shorter 0% interest period than the market leading balance transfer deals, more generous offers are becoming available.

So, if you’re able to pay off the outstanding balance within the 0% period a low fee credit card offers, you could save money.

To find the best 0% low fee credit card for your circumstances, work out how many months it will take you to repay your credit card borrowing and then look for the credit card with the lowest transfer fee that offers the number of months you need interest free.

Even if you need longer to repay your debts there may be a low fee balance transfer credit card that meets your needs.

Several life of balance transfer credit card deals apply a low or zero transfer fee, so if you can’t find a 0% balance transfer card with a long enough 0% period to repay your debts and don't want to switch between deals, they could be an alternative.

However, when looking at lifetime balance transfer credit card deals, although you will want to keep the balance fee as low as possible, it will be the interest rate that makes the biggest difference to the overall cost, as it will be applied from the day you make your balance transfer to the card.

You can compare cheap low handling fee credit cards side by side using our low fee credit card comparison table.

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