Compare VISA Balance Transfer Credit Cards

Compare the best Visa balance transfer credit cards available from UK Visa card providers and see which Visa credit card will give you the cheapest interest rate and the lowest fees when you make a balance transfer. Our dedicated Visa balance transfer credit cards comparison tables make finding the best low interest and 0% deals easy.
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Barclaycard Platinum With Balance Transfer (31 Mths) - Direct
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.99% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.99% by a refund. Plus an additional £20 fee refund on balance transfers over £2,000. 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).
 
MBNA Platinum Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.89% fee
0% for 3 months18.9%
0% on money transfers for 30 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).
 
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).
 
MBNA Everyday Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 18 months
1.5% fee
0% for 8 months13.9%
0% on money transfers for 18 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 13.9% p.a.(variable) so if you spend £1,200 your representative APR will be 13.9% (variable).
 
Barclaycard Platinum With Balance Transfer (30 Mths) - Direct
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.89% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.89% by a refund. Plus an additional £20 fee refund on balance transfers over £2,000. 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).
 
Barclaycard Platinum Purchase
Balance TransfersPurchasesRepresentative APR
0% for 18 months
2.49% fee
0% for 14 months18.9%
A fee of 2.9% will be applied, then reduced to 2.49% 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).
 
fluid Low Fee Balance Transfer Card
Balance TransfersPurchasesRepresentative APR
0% for 12 months
0.75% fee
0% for 3 months18.9%
The introductory rate is for balances 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).
 
Virgin Atlantic White Credit Card Account from MBNA
Balance TransfersPurchasesRepresentative APR
0% for 6 months
2% fee
-17.9%
3,000 miles with your first card purchase plus an additional 7,000 bonus miles when you apply before 30 June 2014 and make £1,000 on card purchases within 90 days of account opening (T&Cs apply).
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).
 
Barclaycard Platinum With Balance Transfer (28 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 28 months
2.44% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.44% 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).
 
AA Rewards Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 12 months
3% fee
0% for 10 months16.9%
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 annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
 
Barclaycard Platinum Low Balance Transfer Fee
Balance TransfersPurchasesRepresentative APR
0% for 16 months
1.5% fee
0% for 6 months18.9%
A fee of 1.6% will be applied, then reduced to 1.5% 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).
 
Saga Platinum Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 9 months
3% fee
0% for 9 months11.9%
0% foreign exchange fees on transactions worldwide.
Representative Example: The annual purchase rate is 11.3% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
 
Barclaycard Freedom Rewards
Balance TransfersPurchasesRepresentative APR
0% for 9 months
2.9% fee
-18.9%
£30 Freedom Rewards Point when you spend £500 in your first 3 months.
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).
 
Virgin Atlantic Black Credit Card Account from MBNA
Balance TransfersPurchasesRepresentative APR
0% for 6 months
2% fee
-52.1%
Earn 18,500 Flying Club miles with your first card purchase plus an additional 11,500 bonus miles when you apply before 30 June 2014 and make £3,000 of card purchases within 90 days of account opening (T&Cs apply).
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.
 
AA Balance Transfer Credit Card (Direct)
Balance TransfersPurchasesRepresentative APR
0% for 24 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 Select Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 26 months
2.4% fee
0% for 15 months15.9%
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 annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
 
Barclaycard Platinum With Balance Transfer (18 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 18 months
2.9% fee
0% for 3 months24.9%
Customers with limited but good credit history and low credit balances. Looking to step up in terms of offer and benefits from their existing card.
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).
 
AA Rewards Credit Card Ex/C
Balance TransfersPurchasesRepresentative APR
0% for 12 months
3% fee
0% for 10 months16.9%
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 Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 16 months
2.9% 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).
 
AA Balance Transfer Credit Card Ex/C
Balance TransfersPurchasesRepresentative APR
0% for 16 months
2.9% 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).
 

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We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are displayed with blue product names.

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Love the new lay out, quick and easy to use. The deals are great thank for hunting the down for us. Keep up the great work.
Kimberley Y.

How to Find the Best Visa Balance Transfer Credit Card

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.

Credit Card Comparison

Alternative Credit Cards

You may want to compare the above credit cards with the following.

WSPA Credit Card

  • 0 annual fee.
  • WSPA gives mthly purchase intro rate of 0%.
  • New customers will get 12 months introductory balance transfer duration.
  • Date of transfer debit rate charged from is available with the credit card.
  • Customers get 0% mthly balance transfer intro rate from WSPA.
  • Customers take advantage of unlimited cash advance limit from WSPA.
  • 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).

Nectar Business Credit Card

  • 0 annual fee.
  • Unlimited max annual turnover is available with Business Credit Card.
  • The Business Credit Card has a 0 minimum yearly turnover.
  • The credit card gives a representative APR of 19.9 percent.
  • Representative Example: 19.9% APR representative variable. Based on 1,200 credit limit & annual purchase rate 19.9% p.a. variable.

NatWest Business Card

  • 0 years minimum trading time is offered.
  • 0 max balance transfer fee is offered with this credit card.
  • 0% bal transfer fee is available to new customers.
  • The NatWest Business Card has limitless max annual turnover.
  • Representative Example: 23.2% APR representative variable. Based on 1,200 credit limit & annual purchase rate 16.9% p.a. variable.

Yorkshire Bank Business Card

  • The Business Card credit card has a 16.9 percent representative APR.
  • Business Card offers a minimum yearly turnover of 0.
  • The credit card offers limitless maximum annual turnover.
  • Minimum trading period of 0 years is offered with Business Card.
  • Representative Example: 16.9% APR representative variable. Based on 1,200 credit limit & annual purchase rate 15.76% p.a. variable.

British Heart Foundation Credit Card

  • British Heart Foundation offers introductory balance transfer duration of 24 months.
  • Take advantage of an intro purchase rate of 0 percent.
  • New customers will get initial balance transfer fee of 2.99 percent.
  • New customers can get limitless max intro balance transfer fee.
  • 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).

MBNA Everyday Credit Card

  • The credit card gives a monthly balance transfer rate of 1.4566 percent.
  • MBNA gives initial purchase rate of 0%.
  • You can get intro purchase duration of 8 months.
  • Representative APR of 13.9% is available with Everyday Credit Card.
  • Get a std balance transfer rate of 18.9 percent from this Everyday Credit Card.
  • Customers can get 3 minimum intro balance transfer fee.
  • Representative Example: The annual purchase rate is 13.9% p.a.(variable) so if you spend 1,200 your representative APR will be 13.9% (variable).