Compare 0% Balance Transfer Credit Cards

saga-platinum

Saga Platinum Credit Card

Annual Fee:
£0
0% Balance Transfer:
0% for 09 months
0% Purchases:
0% for 09 months
APR variable:
11.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 11.29% (variable) per annum, your representative APR is 11.9% APR (variable).
nationwide

Nationwide Credit Card

Annual Fee:
£0
0% Balance Transfer:
0% for 12 months
0% Purchases:
0% for 12 months
APR variable:
17.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
clydesdale-gold

Clydesdale Bank Gold Mastercard

Annual Fee:
£0
0% Balance Transfer:
0% for 12 months
0% Purchases:
0% for 26 months
APR variable:
18.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
johnlewis

John Lewis Partnership Card

Annual Fee:
£0
0% Balance Transfer:
0% for 18 months
0% Purchases:
0% for 09 months
APR variable:
18.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
bos

Bank of Scotland Platinum Balance Transfer Card

Annual Fee:
£0
0% Balance Transfer:
0% for 20 months
0% Purchases:
0% for 20 months
APR variable:
19.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
barclaycard-platinum

Barclaycard Platinum

Annual Fee:
£0
0% Balance Transfer:
0% for 27 months
0% Purchases:
0% for 27 months
APR variable:
19.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
barclaycard-freedom

Barclaycard Freedom Rewards

Annual Fee:
£0
0% Balance Transfer:
0% for 12 months
0% Purchases:
0% for 12 months
APR variable:
21.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).
hsbc-card

HSBC Balance Transfer

Annual Fee:
£0
0% Balance Transfer:
0% for 32 months
0% Purchases:
0% for 03 months
APR variable:
21.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).
capitalone-balance

Capital One Balance Transfer

Annual Fee:
£0
0% Balance Transfer:
0% for 12 months
0% Purchases:
0% for 03 months
APR variable:
24.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 24.93% (variable) per annum, your representative APR is 24.9% APR (variable).
debenhams

Debenhams Credit Card

Annual Fee:
£0
0% Balance Transfer:
0% for 12 months
0% Purchases:
-
APR variable:
24.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable).
bos-classic

Bank of Scotland Classic Credit Card

Annual Fee:
£0
0% Balance Transfer:
0% for 18 months
0% Purchases:
0% for 09 months
APR variable:
27.9%

Show More

Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) per annum, your representative APR is 27.9% APR (variable).

What is a Balance Transfer Credit Card?

The Balance Transfer facility on a credit card means you can transfer the debt from an old credit card to a new card from a different provider.

Why would you want to transfer the balance to a new card?

Generally, the reason why people transfer an existing credit card debt to a new card is in order to avoid paying hefty interest payments.

Providers of balance transfer credit cards will often give consumers a 0% interest rate for a set period of time. This means that if you are currently paying interest on an outstanding credit card debt, by transferring it to a new card with 0% interest, you are not paying the on-going monthly interest payments.

However, once the 0% introductory period ends, you will start paying interest on the outstanding balance again.

How to choose a Balance Transfer Credit Card

  1. When looking for a balance transfer card, select the Balance Transfer Credit Card option from the menu.
  2. Next, find 0% introductory offers and compare the offer period e.g. 12 months, 18 months etc., with other card offers.
  3. You should also take note of the APR rate that will be applied to your outstanding balance if you do not repay the amount within the 0% introductory offer period.

You should always make at least the minimum monthly payment as you may lose the 0% offer deal.

For further reading, see our guide on how balance transfer credit cards work.