0% Balance Transfer Credit Cards
One of the most popular credit card deals of recent years has been that of the balance transfer. When you take out a card which offers this feature, you can transfer a balance off another card you own, and benefit from either a low or 0% rate for an introductory period, or a permanently low rate that applies until you've cleared the balance.
Although less cards are offering this kind of deal recently, as they cost the credit card companies huge amounts of money to operate, there are still some good deals to be had. Note that almost all cards now charge a balance transfer 'handling' fee.
The table below gives information on some of the balance transfer deals around at the moment, making it easy to compare the offerings from different companies.
Featured Balance Transfer Cards:
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HSBC Card | 0% | for 23 months | 3.3% of the transfer amount | 17.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA. | |||||||
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Barclaycard Platinum Balance Transfer | 0% | for 22 months | 2.9% | 17.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA. | |||||||
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Virgin Card | 0% | for 20 months | 2.99% handling fee | 16.8% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 16.8% APR (variable). Purchase rate 16.8% PA. | |||||||
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Halifax 20 Month Balance Transfer | 0% | for up to 20 months | 3% | 16.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. The APR and length of the promotional offer are dependent on your personal circumstances. | |||||||
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NatWest Platinum | 0% | for 20 months | 3.2% | 17.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA. | |||||||
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MBNA Platinum | 0% | for 19 months | 2.9% handling fee on balance transfers | 16.7% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 16.7% APR (variable). Purchase rate 16.7% PA. | |||||||
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Bank of Scotland Plus | 0% | for 18 months | 3% | 16.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||||
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Nationwide Credit Card | 0% | for 17 months | 2.95% fee | 15.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA. | |||||||
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Virgin All Round | 0% | for 16 months | 1.99% | 15.8% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 15.8% APR (variable). Purchase rate 15.8% PA. | |||||||
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RBS Platinum | 0% | for 16 months | 2.9% | 16.95% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 16.95% APR (variable). Purchase rate 16.95% PA. | |||||||
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Halifax All In One | 0% | for 15 months | 3% | 17.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA. | |||||||
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Lloyds TSB Platinum | 0% | for 14 months | 2.5% | 15.% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 15.% APR (variable). Purchase rate 15.% PA. | |||||||
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RBS YourPoints World | 0% | for 13 months | 2.9% | 17.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA. | |||||||
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Halifax Rewards All In One | 0% | for 13 months | 3% | 17.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA. | |||||||
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Post Office Credit Card | 0% | for 12 months | 2.98% | 16.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||||
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Bank of Scotland All In One | 0% | for 12 months | 3% | 17.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 17.9% APR (variable). Purchase rate 17.9% PA. | |||||||
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Barclaycard Gold | 0% | until March 2012 | 2.5% | 19.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 19.9% APR (variable). Purchase rate 19.9% PA. | |||||||
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Sainsbury's Mastercard | 0% | for 10 months | 3% | 15.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA. | |||||||
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Tesco Clubcard Credit Card | 0% | for nine months | Balance transfers subject to a handling fee of 2.9% | 16.9% | Apply >>> | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||||
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Barclaycard Simplicity | 7.9% | for the life of the balance | 7.9% | Apply >>> | ||
| Representative example: Assumed borrowing of £1200, representative 7.9% APR (variable). Purchase rate 7.9% PA. | |||||||
Other Balance Transfer Credit Cards
| Halifax Plus | 0% | for 17 months | 3% | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| Barclaycard Flexi-Rate | 0% | for 14 months | 2.5% | 14.9% | |
| Representative example: Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA. | |||||
| Tesco Bonus Card | 0% | for 14 months | 2.9% | 15.9% | |
| Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA. | |||||
| Egg Card | 0% | until 1st April 2011 | 3% handling fee, or less with special promotions | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| Mint Card | 0% | until 1st October 2009 | 2.9% of the transaction amount | 14.9% | |
| Representative example: Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA. | |||||
| Natwest Gold Card | 0% | for 13 months | 2.9% | 15.9% | |
| Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA. | |||||
| MBNA Platinum Rewards | 0% | for 13 months | 2.9% balance transfer fee | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| Citi Platinum Mastercard | 0% | for 13 months | 3% | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| Barclaycard Breathe | 0% | for 12 months | 2.5% | 14.9% | |
| Representative example: Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA. | |||||
| RSPCA Visa | 0% | for 12 months | Fee of 3% of the amount of each Balance Transfer | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| BMI Classic Mastercard | 0% | for 12 months | 3% handling fee | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| AOL Card | 0% | for 12 months | 2% of transferred amount | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| Citibank Shell Mastercard | 0% | for 12 months | 3% | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| The AA Visa | 0% | for 12 months | 3% | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| Hilton Mastercard | 0% | for six months | 2% of the amount transferred | 15.9% | |
| Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA. | |||||
| Co-op Advantage Platinum | 0% | for six months | 2.5% | 15.9% | |
| Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA. | |||||
| Lloyds TSB Airmiles Duo | 0% | for six months | 3% balance transfer fee | 15.9% | |
| Representative example: Assumed borrowing of £1200, representative 15.9% APR (variable). Purchase rate 15.9% PA. | |||||
| Co-op Travel Card | 0% | for six months | 2.5% | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| BT Card | 0% | for six months | 2% handling fee | 16.9% | |
| Representative example: Assumed borrowing of £1200, representative 16.9% APR (variable). Purchase rate 16.9% PA. | |||||
| GM Platinum | 0% | for five months | 2% handling fee | 14.9% | |
| Representative example: Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA. | |||||
| Goldfish Card | 4.9% | for 36 months | 3% | 12.9% | |
| Representative example: Assumed borrowing of £1200, representative 12.9% APR (variable). Purchase rate 12.9% PA. | |||||
| Lloyds Advance | 4.9% | for 3 months | 3% | 11.9% | |
| Representative example: Assumed borrowing of £1200, representative 11.9% APR (variable). Purchase rate 11.9% PA. | |||||
| Co-op Think Card | 7% | for six months from the date of each transfer | 12.9% | ||
| Representative example: Assumed borrowing of £1200, representative 12.9% APR (variable). Purchase rate 12.9% PA. | |||||
Note: while nearly all cards now feature a balance transfer fee, we are keeping our old No Fee Transfers page archived should we turn up any cards which buck the trend and leave off this fee, along with the page concerning low rate for life deals which seem to have fallen from favour these days.
