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.
    Barclaycard Platinum With Balance Transfer (34 Mths)
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 34 months
    2.99% fee
    0% for 6 months18.9% APR
    A fee of 3.5% will be applied, then reduced to 2.99% 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 APR (variable).
    MBNA Platinum Credit Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 32 months
    2.69% fee
    0% for 3 months18.9% APR
    0% on money transfers for 32 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 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 APR (variable).
    MBNA Everyday Credit Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 21 months
    1.5% fee
    0% for 15 months15.9% APR
    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 standard interest rate on purchases is 15.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 15.9% APR APR (variable).
    Barclaycard Platinum Purchase
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 19 months
    2.49% fee
    0% for 14 months18.9% APR
    A fee of 2.9% 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 APR (variable).
    Barclaycard Platinum With Balance Transfer (25 Mths)
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 25 months
    1.5% fee
    0% for 6 months19.9% APR
    A fee of 2% will be applied, then reduced to 1.5% by a refund. Terms and conditions apply.
    Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 19.9% APR APR (variable).
    Barclaycard Platinum With Balance Transfer (33 Mths)
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 33 months
    2.79% fee
    0% for 6 months18.9% APR
    A fee of 3.5% will be applied, then reduced to 2.79% 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 APR (variable).
    Emirates Skywards Credit Card Account
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 6 months
    2% fee
    0% for 12 months17.9% APR
    Earn 5,000 Bonus Miles on your first purchase (made within 90 days of account opening.) Plus, an additional 5,000 Bonus Miles if you spend £1,000 within the first 90 days of account opening.
    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 APR (variable).
    Virgin Atlantic White Credit Card Account from MBNA
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 6 months
    2% fee
    -17.9% APR
    3,000 miles with your first card purchase made within 90 days of account opening. Plus an additional 7,000 bonus miles if applied for before 31/10/2014 with a total spend of £1,000 in the first 90 days.
    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 APR (variable).
    Saga Platinum Credit Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 9 months
    3% fee
    0% for 9 months11.9% APR
    0% foreign exchange fees on transactions worldwide.
    Representative Example: The standard interest rate on purchases is 11.3% p.a. (variable). So if you borrow £1,200 the Representative APR will be 11.9% APR APR (variable).
    Nationwide Credit Card (Balance Transfer)
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 26 months
    2.4% fee
    0% for 3 months17.9% APR
    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 APR (variable).
    fluid Balance Transfer Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 29 months
    2.9% fee
    0% for 3 months18.9% APR
    The introductory rate is for balances transferred within the first 60 days of your account opening. 0% on money transfers for the first 29months with a 4% handling fee.
    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 APR (variable).
    Nationwide Credit Card (Low Fee Balance Transfer)
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 15 months
    0.65% fee
    0% for 3 months17.9% APR
    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 APR (variable).
    WWF Credit Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 31 months
    2.88% fee
    0% for 3 months18.9% APR
    0% on money transfers for 31 months from the date the account is opened (4% handling fee). For this great rate & an extra £10 to go to WFF, transfer you balance within the first 90 days of 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 APR (variable).
    AA Rewards Credit Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 12 months
    3% fee
    0% for 10 months16.9% APR
    Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
    Representative Example: The standard interest rate on purchases is 16.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 16.9% APR APR (variable).
    Emirates Skywards Elite Credit Card Account
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 6 months
    2% fee
    0% for 12 months54.9% APR
    Earn 10,000 Bonus Miles on your first purchase (made within 90 days of account opening.) Plus, an additional 15,000 Bonus Miles if you spend £2,000 within the first 90 days of account opening.
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), £150 annual fee. So if you borrow £1,200 the Representative APR will be 54.9% APR APR (variable).
    fluid Low Fee Balance Transfer Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 10 months
    0.35% fee
    0% for 3 months19.9% APR
    The introductory rate is for balances transferred within the first 60 days of your account opening. 0% on money transfers for the first 10 months with a 4% handling fee.
    Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 19.9% APR APR (variable).
    Virgin Atlantic Black Credit Card Account from MBNA
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 6 months
    2% fee
    -52.0% APR
    18,500 miles with your first card purchase made within 90 days of account opening. Plus an additional 6,500 bonus miles if applied for before 31/10/2014 with a total spend of £2,000 in the first 90 days.
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), £140 annual fee. So if you borrow £1,200 the Representative APR will be 52.0% APR APR (variable).
    AA Balance Transfer Credit Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 28 months
    2.9% fee
    0% for 3 months18.9% APR
    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 APR (variable).
    Barclaycard Platinum With Balance Transfer (18 Mths)
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 18 months
    2.9% fee
    0% for 3 months24.9% APR
    Customers with limited but good credit history and low credit balances. Looking to step up in terms of offer & benefits from their existing card.
    Representative Example: The standard interest rate on purchases is 24.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 24.9% APR APR (variable).
    Nationwide Select Credit Card
    Balance TransfersPurchasesRepresentative APR (variable)
    0% for 26 months
    2.4% fee
    0% for 15 months15.9% APR
    To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card) and pay in £750+ each month (excluding internal transfers).
    Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 15.9% APR APR (variable).

    money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

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    How to Find the Best Visa Balance Transfer Credit Card

    by DaisyLill

    With so many great offers on the market, there's no excuse to stick with your existing credit card provider if you aren't getting a decent deal. This is all the more important if you're looking to make a balance transfer.

    How to Find the Best Visa Balance Transfer Credit Card

    Whether you go for a 0% balance transfer credit card or one that guarantees you a cheap rate ongoing via a life of balance transfer deal it doesn't actually matter whether you opt for a Visa or MasterCard credit card. 

    This is because while Visa and MasterCard run the payment services, they don't directly provide the cards themselves. In terms of acceptance and availability of deals, both are equal.

    It's more important to look for the best balance transfer deal you can get and apply for it irrespective of whether the credit card bears the Visa, MasterCard or American Express symbol.

    Even if you do have a preference for Visa credit cards you should still look at the other options before applying because you can balance transfer Visa to MasterCard, MasterCard to Visa, Visa to American Express etc. 

    If you are a Visa credit card fan and already have a credit card, you can take advantage of the best Visa balance transfer offers on the market - this is especially the case if you have a good credit history.

    We take a look at how to carry out a Visa card transfer and how to get the best deal.

    What is a Visa balance transfer?

    If you already have an existing credit card on which you're paying a high rate of interest it's possible to save a significant amount of money and pay off your balance faster by changing your card issuer to get a lower APR.

    You do this by making a balance transfer.

    Whether you have a regular card or one which is gold or platinum balance transfer Visa options are easy to arrange.

    When you apply for a card with the new provider, you simply tell them you want to make a balance transfer. They will liaise with your existing card holder and your entire balance will be switched to your new provider. 

    Many providers are offering deals with free balance transfers which means you don't have to pay interest for a certain number of months (although you will need to pay a handling fee).  

    I already have a Visa card can I transfer balances?

    Visa is a company that provides the means of making payment, it doesn't actually issue credit facilities itself. Companies that offer credit cards use Visa as the network. Therefore, one Visa card may have completely different terms to another; there isn't any connection.

    What this means is that if you want to take advantage of a competitive Visa balance transfer rate, there is nothing to stop you.

    Some providers offer more than one type of Visa credit card; you will generally not be able to carry out a transfer between cards from the same provider. This is because providers put these on the market to attract new customers, and if you are already with them, there is no advantage for the company! That's not to say it isn't worth calling up and negotiating a cheaper interest rate if you're concerned about applying for a new card.

    What to look for to compare Visa balance transfer credit cards

    A Visa balance transfers comparison will help identify the card issuers providing the best deals in the market but you need to work out how long it'll take you to clear your credit card debt before you do anything else. Do this by thinking carefully about how much you can pay off each month.

    To minimise costs look for Visa balance transfer 0% deals that apply the lowest handling fee for the number of months that you need to pay off your credit card completely.

    Carry out a pre application check if you can and make sure you meet the eligibility criteria before you apply to maximise your chance of acceptance.

    Not all providers offer 0% balance transfers but that doesn't mean you shouldn't consider them as an option.

    Some may offer extremely low interest rates for the life of balance and if you carry out a Visa balance transfer comparison you might find this works out more worthwhile in the long run. Especially if you need a long while to clear your balance and can't see yourself remembering to make multiple balance transfers.

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