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Balance transfer credit cards

Compare balance transfer credit cards

You could save money by getting a balance transfer credit card with a low APR or even 0% interest period.

Get an interest free period of up to 35 months
Save money on interest when paying off debt
Apply in minutes

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Find and compare the cards available to you,

without affecting your credit score

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How this works

Compare balance transfer credit cards from leading providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

How to do a balance transfer

Find out what you owe

Add up your existing credit card debt, including the interest rates you're being charged.

Compare balance transfer credit cards

See what cards are available to move some - or all - of that debt to. Our card finder tool will let you see which ones you're likely to be accepted for.

Apply for a balance transfer credit card

You can fill out an application. After that it can take up to a week or more to hear back on whether you've been accepted.

Make the transfer and start paying off your debt

Once your application has been accepted, make your transfer in the first 90 days of getting the new card. Once your balance has been transferred you can start making payments.

Credit cards - How to do a balance transfer - image asset

Balance transfer credit card deals

42 results found, based on transferring £1000 and paying £100 a month. Sorted by payment term and costs. Find out more about how our calculator works and how we order our comparisons.

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Santander Everyday No Balance Transfer Fee Credit Card

Balance transfers

0% for 21 months with no fee

Balance transfer fee

No fee

Representative APR (variable)

21.9% APR

Pay the balance over

10 months with no fees or interest

Santander Everyday No Balance Transfer Fee Credit Card

Once the 0% deals end, you will be charged at 21.9% p.a. variable on any outstanding balances. Earn up to 15% cashback through Retailer Offer, a free service through Online and Mobile Banking.

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,500
UK Resident

Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)

Balance transfers

0% for 21 months with no fee

Balance transfer fee

No fee

Representative APR (variable)

20.9% APR

Pay the balance over

10 months with no fees or interest

Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)

No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.

Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.

Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.

Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Virgin Money Balance Transfer Credit Card (15 Mths) (21.9%)

Balance transfers

0% for 15 months with no fee

Balance transfer fee

No fee

Representative APR (variable)

21.9% APR

Pay the balance over

10 months with no fees or interest

Virgin Money Balance Transfer Credit Card (15 Mths) (21.9%)

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.

Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Virgin Money Balance Transfer Credit Card (15 Mths) (23.9%)

Balance transfers

0% for 15 months with no fee

Balance transfer fee

No fee

Representative APR (variable)

23.9% APR

Pay the balance over

10 months with no fees or interest

Virgin Money Balance Transfer Credit Card (15 Mths) (23.9%)

Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.

Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Virgin Money Balance Transfer Credit Card (15 Mths) (25.9%)

Balance transfers

0% for 15 months with no fee

Balance transfer fee

No fee

Representative APR (variable)

25.9% APR

Pay the balance over

10 months with no fees or interest

Virgin Money Balance Transfer Credit Card (15 Mths) (25.9%)

Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.

Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

MBNA Balance Transfer Low Fee Card

Balance transfers

0% for 28 months with a 0.99% fee

Balance transfer fee

0.99%

Representative APR (variable)

21.9% APR

Pay the balance over

11 months with fees & interest of £9.90

Balance Transfers must be made within the first 60 days to get the promotional offers.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

Virgin Money Balance Transfer Credit Card (28 Mths) (21.9%)

Balance transfers

0% for 28 months with a 1% fee

Balance transfer fee

Representative APR (variable)

21.9% APR

Pay the balance over

11 months with fees & interest of £10.00

Virgin Money Balance Transfer Credit Card (28 Mths) (21.9%)

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Sainsbury's Bank Balance Transfer 28 Month Credit Card

Balance transfers

0% for 28 months with a 1% fee (£3 min.)

Balance transfer fee

1% (£3 min.)

Representative APR (variable)

21.9% APR

Pay the balance over

11 months with fees & interest of £10.00

Sainsbury's Bank Balance Transfer 28 Month Credit Card

A Balance Transfer fee of 1% or 1.5% applies on transfers made within the first 3 months, depending on your individual circumstances (£3 minimum). The charge will depend on your current offer thereafter.

Sainsbury's Bank may offer you a 0% interest period on balance transfers of 28 or 20 months, depending on your individual circumstances.

Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Virgin Money Balance Transfer Credit Card (28 Mths) (25.9%)

Balance transfers

0% for 28 months with a 1% fee

Balance transfer fee

Representative APR (variable)

25.9% APR

Pay the balance over

11 months with fees & interest of £10.00

Virgin Money Balance Transfer Credit Card (28 Mths) (25.9%)

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 25.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Virgin Money Balance Transfer Credit Card (28 Mths) (23.9%)

Balance transfers

0% for 28 months with a 1% fee

Balance transfer fee

Representative APR (variable)

23.9% APR

Pay the balance over

11 months with fees & interest of £10.00

Virgin Money Balance Transfer Credit Card (28 Mths) (23.9%)

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 23.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

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What is a balance transfer credit card?

Balance transfer credit cards are designed to let you move existing debt from one provider to another and ideally pay less or no interest on that debt.

A 0% balance transfer credit card, allows you to pay no interest on your balance for a certain period. The best 0% balance transfer credit cards offer no interest for more than two years, no fees to pay up front, and sometimes come with rewards like vouchers or loyalty points for signing up.

When used right, a balance transfer card helps you clear your debt faster because your repayments all go towards paying off your debt, rather than interest.

The longest 0% deals are only available to people with excellent credit records - although cards with shorter interest-free introductory periods are available to far more people.

Find out more about how balance transfers work

Credit card illustration phone transfer woman man 4:3

When to use a balance transfer credit card

If you have accumulated credit card debt and want to pay it off quicker or avoid paying interest, then a balance transfer is one way to do it.

Thanks to the 0% interest deals on offer, you can move either all - or a lot - of your existing debt to a new balance transfer credit card, which either won't charge any interest, or a lot less interest on your balance.

But keep in mind that if you miss a payment you could lose your 0% rate, seeing you pay interest on the balance again, as well as incurring fees and a black mark on your credit report.

It's also important to be aware that you can't transfer a balance between cards from the same bank/provider. For example, if you have a Natwest credit card, you can't transfer the balance to a Natwest balance transfer card.

Balance transfer cards can save you significant money on interest charges - but missing a payment invalidates all their benefits. So setting up a direct debit to cover at least the minimum payment each month is a good idea.”

Salman Haqqi (personal finance expert), Personal Finance Editor

What happens after the 0% interest-free period ends?

The interest rate usually increases sharply to what is known as the Standard Variable Rate (SVR) or the 'revert rate'.

If you paid your balance in full: You have nothing to worry about. You can either cancel the card, or keep it to make purchases in the future.

If you still have a partial balance remaining: You could opt to get another 0% balance transfer card for the remaining balance and pay it off without paying interest

Be aware that even if you partial balance remaining by the end of the interest-free period, you will still be charged interest on the original balance of the card. For example, if you transferred a balance of £2,000, and you pay off £1,500 of the balance by the end of the interest-free period. The interest you are charged on the remaining £500 will actually be calculated using the original £2,000 balance.

What is the balance transfer fee?

Some credit cards will charge what is known the balance transfer fee. This is either a flat fee or a small percentage of the amount you want to transfer. This usually added to your balance.

For example, if you make a balance transfer of £2,000 to a credit card with a 2% balance transfer fee, it would cost £40, making your total transferred balance £2,040.

The balance transfer fee typically ranges between 1% and 5%. Some providers will also charge a set fee if you have a small balance to transfer.

You may be offered a balance transfer credit card with a fee of 2.9% or a £5 minimum. If you want to transfer £150 to this card, 2.9% of your transfer amount is only £4.35, so you would have to pay the £5 minimum.

Balance transfer FAQs

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Knowing how to manage your credit card can help you get the most out of it and save money. This is how to make using your new card hassle free.

What is a balance transfer credit card?

Balance transfer credit cards allow you to move debt from one card to another. The new card may have 0% interest rate, so you can clear your debt quicker.

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