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:

 Card  Balance Transfer Offer  Handling Fee  Standard Rate
Barclaycard Platinum Balance Transfer 0% for 16 months 2.9% 16.9% Apply >>>
HSBC Card 0% for 15 months 2.9% of the transfer amount 16.9% Apply >>>
Virgin Card 0% for 14 months 2.98% handling fee 16.6% Apply >>>
Egg Card 0% until 1st April 2011 3% handling fee, or less with special promotions 16.9% Apply >>>
MBNA Platinum Rewards 0% for 13 months 2.9% balance transfer fee 16.9% Apply >>>
MBNA Platinum 0% for 13 months 2.9% handling fee on balance transfers 16.9% Apply >>>
BMI Classic Mastercard 0% for 12 months 3% handling fee 16.9% Apply >>>
The AA Visa 0% for 12 months 3% 16.9% Apply >>>
Virgin Purchases Card 0% for 12 months 2.98% 18.9% Apply >>>
Sainsbury's Mastercard 0% for 10 months 3% 15.9% Apply >>>
Halifax All In One 0% for 10 months 3% 15.9% Apply >>>
Tesco Clubcard Card 0% for nine months Balance transfers subject to a handling fee of 2.9% 16.9% Apply >>>
BT Card 0% for six months 2% handling fee 16.9% Apply >>>
MBNA For Life 5.9% for the life of the balance 1.5% for lifetime transfers 16.9% Apply >>>
Barclaycard Simplicity 6.8% for the life of the balance 6.8% Apply >>>

Other Cards:

Barclaycard Flexi-Rate 0% for 14 months 2.5% 14.9%  
Barclaycard OnePulse Balance Transfer 0% for 14 months 2.5 14.9%  
Barclaycard OnePulse Cashback 0% for 14 months 2.9 14.9%  
Tesco Bonus Card 0% for 14 months 2.9% 15.9%  
Mint Card 0% until 1st October 2009 2.9% of the transaction amount 14.9%  
NatWest Platinum 0% for 13 months 2.9% 15.9%  
RBS Classic Card 0% for 13 months 2.9% 15.9%  
Citi Platinum Mastercard 0% for 13 months 3% 16.9%  
Barclaycard Breathe 0% for 12 months 2.5% 14.9%  
Priority Club Card 0% for 12 months 2% 15.9%  
Conran Credit Card 0% for 12 months from account opening All balance transfers subject to a 2% handling fee 15.9%  
RSPCA Visa 0% for 12 months Fee of 3% of the amount of each Balance Transfer 16.9%  
AOL Card 0% for 12 months 2% of transferred amount 16.9%  
Post Office Credit Card 0% for 12 months 2.98% 16.9%  
Sony Card 0% for 12 months 3% 16.9%  
Barclaycard Platinum Cashback 0% for 12 months 2.9% 16.9%  
Citibank Shell Mastercard 0% for 12 months 3% 16.9%  
Hilton Mastercard 0% for six months 2% of the amount transferred 15.9%  
Co-op Advantage Platinum 0% for six months 2.5% 15.9%  
Co-op Travel Card 0% for six months 2.5% 16.9%  
Ryan Air Card 0% for six months 2.99% fee 16.9%  
GM Platinum 0% for five months 2% handling fee 14.9%  
Goldfish Card 4.9% for 36 months 3% 12.9%  
Barclaycard Platinum Long Term Balance Transfer 6.3% for the life of the balance 2.9 16.9%  
Co-op Think Card 7% for six months from the date of each transfer 12.9%  
Co-operative Bank Fixed Rate Visa 9.9% fixed for five years 9.9%  


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.



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