Compare the Best Balance Transfer Credit Cards

Get the best balance transfer and credit card with these cards, some of which are from our partners.

Barclaycard platinum – 35 month balance transfer 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 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.

Benefits
  • 0% on balance transfers for 35 months, then 19.9% APR (variable)
  • 0% on purchases for 6 months, then 19.9% APR (variable)
  • Low 1.35% balance transfer fee (there is an initial 3.5% transfer fee and this is reduced by way of a refund to 1.35% after you make your balance transfer)
Disadvantages
  • You must not miss a payment to keep your 0% deal! If you miss a monthly repayment you will lose your 0% balance transfer rate and your rate will revert to the standard rate
  • If you’re an existing Barclaycard customer you can’t get this offer
Eligibility
  • You must be aged over 21
  • You must have a job and be earning over £20,000 per year
  • You need to demonstrate that you have over 4 years of managing credit e.g. loans, mortgage, credit card, overdraft
  • You need to be a permanent UK resident and have had an address for > 3months
  • You must not have had any CCJs or IVAs in the last five years
  • You must not have been made bankrupt
  • Your debt cannot exceed 10% of your income (excluding your home)
  • You cannot make a balance transfer from another Barclaycard

Balance Transfer details

0% for 30 Months

balance transfer FEEs

3.5% initial transfer fee reduced to 0.55%)

APR

19.9%

Credit Eligibility

You need to be over 21, in full time employmeny earning > £20K. With a good credit rating to qualify for this card.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

Barclaycard platinum – 30 month balance transfer 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.

Benefits
  • 0% on balance transfers for 30 months, then 19.9% APR (variable)
  • 0% on purchases for 6 months, then 19.9% APR (variable)
  • Low 0.55% balance transfer fee (there is an initial 3.5% transfer fee and this is reduced by way of a refund to 0.55% after you make your balance transfer)
Disadvantages
  • You must not miss a payment to keep your 0% deal! If you miss a monthly repayment you will lose your 0% balance transfer rate and your rate will revert to the standard rate
  • If you’re an existing Barclaycard customer you can’t get this offer
Eligibility
  • You must be aged over 21
  • You must have a job and be earning over £20,000 per year
  • You need to demonstrate that you have over 4 years of managing credit e.g. loans, mortgage, credit card, overdraft
  • You need to be a permanent UK resident and have had an address for > 3months
  • You must not have had any CCJs or IVAs in the last five years
  • You must not have been made bankrupt
  • Your debt cannot exceed 10% of your income (excluding your home)
  • You cannot make a balance transfer from another Barclaycard

Balance Transfer details

0% for 30 Months

Balance transfer FEEs

3.5% initial transfer fee refunded to 0.55%

APR

19.9%

Credit Eligibility

You need to be over 21, in full time employmeny earning > £20K. With a good credit rating to qualify for this card.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

BARCLAYCARD PLATINUM – 25/25 BALANCE TRANSFER 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.

Benefits
  • 0% on balance transfers for 25 months, then 19.9% APR (variable)
  • 0% on purchases for 25 months, then 19.9% APR (variable)
  • 1.49% balance transfer fee on balance transfers in the first 90 days (there is an initial 2.5% transfer fee and this is reduced by way of a refund to 1.49% after you make your balance transfer)
Disadvantages
  • You must not miss a payment to keep your 0% deal! If you miss a monthly repayment you will lose your 0% balance transfer rate and your rate will revert to the standard rate
  • If you’re an existing Barclaycard customer you can’t get this offer
Eligibility
  • You must be aged over 21
  • You must have a job and be earning over £20,000 per year
  • You need to demonstrate that you have over 4 years of managing credit e.g. loans, mortgage, credit card, overdraft
  • You need to be a permanent UK resident and have had an address for > 3months
  • You must not have had any CCJs or IVAs in the last five years
  • You must not have been made bankrupt
  • Your debt cannot exceed 10% of your income (excluding your home)
  • You cannot make a balance transfer from another Barclaycard

balance transfer details

0% for 25 Months

balance transfer FEEs

2.5% refunded to 1.49%

APR

19.9%

Credit Eligibility

You need to be over 21, in full time employmeny earning > £20K. With a good credit rating to qualify for this card.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

Barclaycard platinum – 25 month balance transfer 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.

Benefits
  • 0% on balance transfers for 25 months, then 19.9% APR (variable)
  • 0% on purchases for 6 months, then 19.9% APR (variable)
  • No balance transfer fee (there is an initial 2% transfer fee and this is refunded after you make your balance transfer)
Disadvantages
  • You must not miss a payment to keep your 0% deal! If you miss a monthly repayment you will lose your 0% balance transfer rate and your rate will revert to the standard rate
  • If you’re an existing Barclaycard customer you can’t get this offer
Eligibility
  • You must be aged over 21
  • You must have a job and be earning over £20,000 per year
  • You need to demonstrate that you have over 4 years of managing credit e.g. loans, mortgage, credit card, overdraft
  • You need to be a permanent UK resident and have had an address for > 3months
  • You must not have had any CCJs or IVAs in the last five years
  • You must not have been made bankrupt
  • Your debt cannot exceed 10% of your income (excluding your home)
  • You cannot make a balance transfer from another Barclaycard

Balance Transfer details

0% for 25 Months

balance transfer FEEs

2% initial fee fully refunded

APR

19.9%

Credit Eligibility

You need to be over 21, in full time employmeny earning > £20K. With a good credit rating to qualify for this card.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

MBNA All round credit 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.

Benefits
  • You can check you are eligible before applying so you don’t damage your credit score.
  • 0% also available for purchases and money transfers (4% handling fee).
  • Balance transfers, money transfers and purchases must be made within the first 60 days to get the promotional offers
  • You can’t transfer a balance from another card issued by MBNA
Disadvantages
  • APR and offer terms are dependent on your credit history and circumstances
  • High money and balance transfer fees of 5% after the first 60 days
  • No balance transfers from another MBNA card
Eligibility
  • You must be over 18 years of age
  • Eligibility for this card depends on your circumstances and the results of MBNA’s eligibility check. The product, APR and promotional offer you could get may vary from the example
  • You need to have a good credit history
  • You must have a UK Bank/Building Society Account
  • You must have had a permanent address in the UK for at least 3 years
  • You’re not unemployed or a student.

Balance Transfer details

0% for 30 Months

balance transfer FEEs

Introductory 2.72% then 5%

APR

19.9%

Credit Eligibility

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.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

nuba All round credit card

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.

Benefits
  • You can check you are eligible before applying so you don’t damage your credit score.
  • 0% also available for purchases and money transfers (4% handling fee).
  • Balance transfers, money transfers and purchases must be made within the first 60 days to get the promotional offers
  • You can’t transfer a balance from another card issued by MBNA
disadvantages
  • APR and offer terms are dependent on your credit history and circumstances
  • High money and balance transfer fees of 5% after the first 60 days
  • No balance transfers from another MBNA card
Eligibility
  • You must be over 18 years of age
  • Eligibility for this card depends on your circumstances and the results of MBNA’s eligibility check. The product, APR and promotional offer you could get may vary from the example
  • You need to have a good credit history
  • You must have a UK Bank/Building Society Account
  • You must have had a permanent address in the UK for at least 3 years

Balance Transfer details

0% for 30 Months

BALAnce transfer FEEs

Introductory 2.73% then 5%

APR

19.9%

Credit Eligibility

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

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

santander all in one credit card

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.

Benefits
  • Great for travel because there is a 0% transaction fee when using the card abroad
  • 0% for 30 months on balance transfers, then 15.9% p.a. (variable) (0% balance transfer fee)
  • 0% for 30 months on purchases, then 15.9% p.a. (variable)
  • 0.5% cashback on all purchases, no limits or caps
  • Even better if you have a Santander 1|2|3 Account as the monthly fee is waived for 6 months.
disadvantages
  • There’s a monthly charge of £3 you have to pay
  • You can’t transfer balances from other Santander accounts, this includes cahoot
  • You’ll be faced with a 3% balance transfer fee if you don’t transfer your balance during the introductory period
Eligibility
  • You must be over 18 years of age
  • You need to have a good credit history
  • You must have a permanent address in the UK
  • You must have an income of £7,500 per year or more

Balance Transfer details

0% for 30 Months

balance transfer FEEs

None

APR

15.9%

Credit Eligibility

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.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

santander everyday credit card

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.

Benefits
  • Great for travel because there is a 0% transaction fee when using the card abroad
  • 0% for 27 months on balance transfers, then you are charged 18.9% p.a. (variable). There’s no balance transfer fee
  • 0% for 3 months on purchases, then you are charged 18.9% p.a. (variable)
  • You don’t have to pay an annual fee with this card
disadvantages
  • There’s a monthly charge of £3 you have to pay
  • You can’t transfer balances from other Santander accounts, this includes cahoot
  • You’ll be faced with a 3% balance transfer fee if you don’t transfer your balance during the introductory period
Eligibility
  • You must be over 18 years of age
  • You need to have a good credit history
  • You must have a permanent address in the UK
  • You must have an income of £7,500 per year or more

Balance Transfer detials

0% for 27 Months

balance transfer FEEs

None

APR

18.9%

Credit Eligibility

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.

Representative Example: 18.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 18.9%.

Halifax no fee 0% balance transfer – 26 Months

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%.

Benefits
  • You won’t pay interest for up to 26 months on balances you transfer in the first 90 days.
  • No transfer fees on balance transfers made in the 90 day eligible period.
  • 0% for 3 months on purchases, then you are charged 19.95% p.a. (variable)
  • You don’t have to pay an annual fee with this card
disadvantages
  • Beware of the 3% balance transfer fee which applies after the initial 90 day period
  • 51% of eligible customers will receive the 0% deal for 26 months. Other customers may receive 0% interest for a shorter period and a higher APR %
  • You cannot transfer balances from Halifax cards
Eligibility
  • You must be over 18 years old
  • You must be a UK permanent resident
  • You must be in employment
  • You need a good credit record and you must not have any CCJs or IVAs within the last 5 years or have been declared bankrupt
  • You cannot be a Halifax credit card customer
  • You cannot transfer balances from other Halifax or Bank of Scotland cards

Balance Transfer details

0% for 26 Months

balance transfer FEEs

Introductory none then 3%

APR

19.95%

Credit Eligibility

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.

Representative Example: 19.95% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.95%.

Halifax no fee 0% balance transfer – 32 Months

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%.

Benefits
  • You won’t pay interest for 32 months on balances you transfer in the first 90 days, then 19.9% APR.
  • 1% balance transfer fees on balance transfers made in the 90 day eligible period. 3% balance transfer fee thereafter.
  • 0% interest for 12 months on purchases, then you are charged 19.9% p.a. (variable)
  • You don’t have to pay an annual fee with this card
disadvantages
  • Beware of the 3% balance transfer fee which applies after the initial 90 day period
  • 51% of eligible customers will receive the 0% deal for 32 months. Other customers may receive 0% interest for a shorter period and a higher APR %
  • You cannot transfer balances from Halifax cards
  • The minimum balance transfer you can make is £100
Eligibility
  • You must be over 18 years old
  • You must be a UK permanent resident
  • You must be in employment
  • You need a good credit record and you must not have any CCJs or IVAs within the last 5 years or have been declared bankrupt
  • You cannot be a Halifax credit card customer
  • You cannot transfer balances from other Halifax or Bank of Scotland cards

Balance Transfer details

0% for 32 Months

balance transfer FEEs

Introductory none then 3%

APR

19.9%

Credit Eligibility

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.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

lloyds bank platinum credit card – 25 month 0% balance transfer

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%.

Benefits
  • You pay 0% interest on balance transfers for 25 months if you make them within 90 days of the account opening. You then pay 19.9% APR (variable)
  • You don’t have to pay a balance transfer fee in the first 90 days. Any balance transfers after the first 90 days incur a 3% charge
  • You pay 0% interest on purchases on the card for 6 months, then 19.9% APR (variable)
disadvantages
  • You may find that you are offered a higher APR of 21.9% or 25.9%.
  • The 0% balance transfer period can be offered at a reduced length of 13 months.
  • If you do not pay on time or exceed your credit limit you will lose your promotional benefits
Eligibility
  • You must be over 18 years old
  • You must be a UK permanent resident
  • You need a good credit record and you must not have any CCJs, IVAs or have been made bankrupt

Balance Transfer details

0% for 25 Months

balance transfer FEEs

Introductory none then 3%

APR

19.9%

Credit Eligibility

You need a good credit rating to qualify for this card. You must have had a permanent address in the UK and no CCJs.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

lloyds bank platinum credit card – 33 month 0% balance transfer

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%.

Benefits
  • You pay 0% interest on balance transfers for 33 months if you make them within 90 days of the account opening. You then pay 18.9% APR (variable)
  • You pay a balance transfer fee of 0.78% of any transfers in the first 90 days. Any balance transfers after the first 90 days incur a 3% charge
  • You pay 0% interest on purchases on the card for 3 months, then 18.9% APR (variable)
disadvantages
  • You may find that you are offered the Lloyds Classic Credit Card with a higher APR of 27.9%
  • The 0% balance transfer period can be offered at a reduced length of 13 months.
  • If you do not pay on time or exceed your credit limit you will lose your promotional benefits
Eligibility
  • You must be over 18 years old
  • You must be a UK permanent resident
  • You need to have a regular income
  • You need a good credit record and you must not have any CCJs, IVAs or have been made bankrupt

Balance Transfer details

0% for 33 Months

balance transfer FEEs

Introductory none then 3%

APR

18.9%

Credit Eligibility

You need a good credit rating to qualify for this card. You must have had a permanent address in the UK and no CCJs.

Representative Example: 18.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 18.9%.

lloyds bank platinum credit card – 35 month 0% balance transfer

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. 

Benefits
  • You pay 0% interest on balance transfers for 35 months if you make them within 90 days of the account opening. You then pay 19.9% APR (variable)
  • You pay a balance transfer fee of 3%.
  • You pay 0% interest on purchases on the card for the first 3 months, then 19.9% APR (variable)
disadvantages
  • You may find that you are offered the Lloyds Classic Credit Card with a higher APR of 27.9%
  • The 0% balance transfer period can be offered at a reduced length of 13 months.
  • If you do not pay on time or exceed your credit limit you will lose your promotional benefits
  • You cannot transfer balances from other Lloyds Bank credit cards
Eligibility
  • You must be over 18 years old
  • You must be a UK permanent resident
  • You need to have a regular income
  • You need a good credit record and you must not have any CCJs, IVAs or have been made bankrupt

Balance Transfer details

0% for 35 Months

balance transfer FEEs

3%

APR

19.9%

Credit Eligibility

You need a good credit rating to qualify for this card. You must have had a permanent address in the UK and no CCJs.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

bank of scotland platinum balance transfer card – 32 month

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.

Benefits
  • You pay 0% interest on balance transfers for 32 months if you make them within 90 days of the account opening. You then pay 19.9% APR (variable)
  • You pay a balance transfer fee of 1%.
  • You pay 0% interest on purchases on the card for the first 12 months, then 19.9% APR (variable)
disadvantages
  • You may find that you are offered the Bank Of Scotland Classic Card. This card has 0% on balance transfers for up to 18 months and a representative rate of 27.9% APR (variable).
  • If you do not pay on time or exceed your credit limit you will lose your promotional benefits
  • You cannot transfer balances from other Bank Of Scotland cards
Eligibility
  • You must be over 18 years old
  • You must be a UK permanent resident
  • You need to have a regular income
  • You need a good credit record and you must not have any CCJs, IVAs or have been made bankrupt
  • You must not be an existing Bank Of Scotland customer

Balance Transfer details

0% for 32 Months

balance transfer FEEs

1%

APR

19.9%

Credit Eligibility

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.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

bank of scotland platinum balance transfer card – 25 month

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.

Benefits
  • You pay 0% interest on balance transfers for up to 25 months if you make them within 90 days of the account opening. You then pay 19.9% APR (variable)
  • You pay a balance transfer fee of 0%.
  • You pay 0% interest on purchases on the card for the first 3 months, then 19.9% APR (variable)
disadvantages
  • You may find that you are offered the Bank Of Scotland Classic Card. This card has 0% on balance transfers for up to 18 months and a representative rate of 27.9% APR (variable).
  • If you do not pay on time or exceed your credit limit you will lose your promotional benefits
  • You cannot transfer balances from other Bank Of Scotland cards
Eligibility
  • You must be over 18 years old
  • You must be a UK permanent resident
  • You need to have a regular income
  • You need a good credit record and you must not have any CCJs, IVAs or have been made bankrupt
  • You must not be an existing Bank Of Scotland customer

Balance Transfer details

0% for 25 Months

balance transfer FEEs

0%

APR

19.9%

Credit Eligibility

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.

Representative Example: 19.9% APR (variable) so if you were to borrow £1200 the Representative APR would be 19.9%.

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