Get the best balance transfer and credit card with these cards, some of which are from our partners.
Our review: The 0% offer starts when you make your balance transfer. A 3.5% balance transfer fee is applied to your account but it is reduced by way of a refund to 1.35% within 28 working days after you’ve made a balance transfer. You can transfer up to 5 separate balances but they must not exceed 90% of your credit limit.
0% for 30 Months
3.5% initial transfer fee reduced to 0.55%)
19.9%
You need to be over 21, in full time employmeny earning > £20K. With a good credit rating to qualify for this card.
Our review: The 0% offer starts when you make your balance transfer. A 3.5% balance transfer fee is applied to your account but it is reduced with a refund to 0.55% within 28 working days after you’ve made a balance transfer. You can transfer up to 5 separate balances but they must not exceed 90% of your credit limit.
0% for 30 Months
3.5% initial transfer fee refunded to 0.55%
19.9%
You need to be over 21, in full time employmeny earning > £20K. With a good credit rating to qualify for this card.
Our review: The 0% offer starts when you make your balance transfer. A 2.5% balance transfer fee is applied to your account but it is reduced by way of a refund to 1.49% within 28 working days after you’ve made a balance transfer. You can transfer up to 5 separate balances but they must not exceed 90% of your credit limit.
0% for 25 Months
2.5% refunded to 1.49%
19.9%
You need to be over 21, in full time employmeny earning > £20K. With a good credit rating to qualify for this card.
Our review: The 0% offer starts when you make your balance transfer. A 2% balance transfer fee is applied to your account but it is refunded within 28 working days after you’ve made a balance transfer. You can transfer up to 5 separate balances but they must not exceed 90% of your credit limit.
0% for 25 Months
2% initial fee fully refunded
19.9%
You need to be over 21, in full time employmeny earning > £20K. With a good credit rating to qualify for this card.
Our review: 0% balance transfer for 30 months. You will be charged 2.72% of the balance you transfer though. You must also transfer your balance within 60 days otherwise you’ll be charged 21.9% APR and a 5% balance transfer fee.
0% for 30 Months
Introductory 2.72% then 5%
19.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK for at least 3 years. You can’t be unemployed or a student.
Our review: The nuba Card (issued by MBNA) offers an introductory 0% balance transfer for 30 months. You will be charged 2.73% of the balance you transfer though. You must also transfer your balance within 60 days otherwise you’ll be charged 21.9% APR and a 5% balance transfer fee.
0% for 30 Months
Introductory 2.73% then 5%
19.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK for at least 3 years
Our review: The Santander All In One Credit Card is a good all-rounder. Great for travel with no foreign currency transaction fees, 15.9% APR and 30 months 0% balance transfers. Unfortunately, the downside is this card comes with an annual fee of £36.00.
0% for 30 Months
None
15.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK. You must have an income of £7,500 per year or more.
Our review: The Santander Everyday Credit Card has no annual fee, unlike the Santander All In One Credit Card. The APR is slightly higher than the All In One at 18.9%. You need to decide which is best for you, choosing a card with no the annual fee or a shorter interest-free period and a higher APR.
0% for 27 Months
None
18.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK. You must have an income of £7,500 per year or more.
Our review: This Halifax No Fee 0% Balance Transfer Credit Card allows you to transfer balances in the first 90 days for free. You won’t pay interest on these balance transfers for 26 months. If you transfer after the 90-day initial period you’ll pay a 3% transfer charge and an APR of 19.95%.
0% for 26 Months
Introductory none then 3%
19.95%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK. You must be in employment and have a good credit record. You cannot be an existing Halifax card customer.
Our review: This Halifax No Fee 0% Balance Transfer Credit Card allows you to transfer balances in the first 90 days for a 1% balance transfer fee. You won’t pay interest on these balance transfers for 32 months. If you transfer after the 90-day initial period you’ll pay a 3% transfer charge and an APR of 19.9%.
0% for 32 Months
Introductory none then 3%
19.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK. You must be in employment and have a good credit record. You cannot be an existing Halifax card customer.
Our review: This Lloyds Bank Platinum Credit Card allows you to transfer balances in the first 90 days with no balance transfer fee. You won’t pay interest on these balance transfers for 25 months. If you transfer after the 90-day initial period you’ll pay a 3% transfer charge and an APR of 19.9%.
0% for 25 Months
Introductory none then 3%
19.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK and no CCJs.
Our review: This Lloyds Bank Platinum Credit Card allows you to transfer balances in the first 90 days with a 0.78% balance transfer fee. You will pay a 3% balance transfer fee of which 2.22% will be refunded. You won’t pay interest on these balance transfers for 33 months. If you transfer after the 90-day initial period you’ll pay a 3% transfer charge and an APR of 18.9%.
0% for 33 Months
Introductory none then 3%
18.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK and no CCJs.
Our review: This Lloyds Bank Platinum Credit Card allows you to pay 0% interest for 35 months on any balances transferred in the first 90 days of opening the card account, making it one of the longest balance transfer cards on the market. You will pay a 3% balance transfer fee.
0% for 35 Months
3%
19.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK and no CCJs.
Our review: You will pay 0% interest for up to 32 months on balances you transfer in the first 90 days from account opening. The balance transfer fee is 1% in the first 90 days. You’ll also pay 0% interest on purchases you make in the first 12 months.
0% for 32 Months
1%
19.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK and no CCJs. You must not be an existing Bank Of Scotland customer.
Our review: You will pay 0% interest for up to 25 months on balances you transfer in the first 90 days from account opening. The balance transfer fee is 0% in the first 90 days. You’ll also pay 0% interest on purchases you make in the first 3 months.
0% for 25 Months
0%
19.9%
You need a good credit rating to qualify for this card. You must have had a permanent address in the UK and no CCJs. You must not be an existing Bank Of Scotland customer.
Join millions of people using FinancialAdvisor.co.uk to make informed financial decisions about the things they want most.