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Credit Cards 0% Balance Transfer

Compare Credit Cards 0% Balance

CREDIT CARDS 0% BALANCE - Compare the top 5 0% balance transfer credit cards and quickly find the best deals offering the longest interest free periods. Choose from a range of providers and find a card that suits you. Applying is easy, just click the 'Apply' button next to the card you wish to apply for and follow the instructions.

Credit Cards 0% Balance

Credit cards can be used as a useful tool for managing your debt and clearing it without having to pay any interest on it. This can be done using the credit cards 0% balance transfer feature, allowing you to move existing debt from a number of places onto your card, so you can set yourself a repayment schedule to ensure you pay off your balance in full within the 0% period.

You will usually have to pay a fee for using your credit cards 0% balance transfer option, which tends to be around 3% of the total you wish to transfer. This may sound like a lot, but if you compare this to the high rates you may currently be paying on your debt, this can be a very attractive option.

You must remember that the idea of moving your debt to a credit card is to pay it off, so make sure you plan how much you will need to clear each month until the 0% period expires. If you fail to clear your debt within the specified introductory period you could find a high interest rate is applied to your balance.

Top 5 Balance Transfer Credit Cards

Card Issuer Balance Transfers Purchases Typical APR (variable) Apply
Rate Duration Fee Rate Duration
View Full Table >
NatWest Platinum
16 months 0% Balance Transfers
& 3 months 0% Purchases.
 0% 16 mths 2.90% 0% 3 mths
16.9%
Apply >
More Info
Barclaycard Platinum
16 months 0% on Balance Transfers
& 3 months 0% Purchases
Barclaycard Freedom reward scheme
 0% 16 mths 2.90% 0% 3 mths
16.9%
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More Info
Nationwide Credit Card
15 months 0% Balance Transfers
& 3 months 0% Purchases
0% 15 mths 3% 0% 3 mths
16.9%
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More Info
Virgin Credit Card
14 months 0% Balance Transfers
& 3 months 0% Purchases
 0% 14 mths 2.98% 0% 3 mths
16.6%
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More Info
Egg Visa Card
0% Balance Transfers until November 2011 & 0% Purchases until December'10
 0% until Nov 2011 3% 0% until Dec 2010
17.9%
Apply >
More Info

Introductory Offer

Balance Transfer Rate:
0% for 16 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Introductory Offer

Balance Transfer Rate:
0% for 16 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Balance Transfer Fee:
2.90%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000

Introductory Offer

Balance Transfer Rate:
0% for 15 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 25 Years of Age
  • You have an Excellent Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year

Introductory Offer

Balance Transfer Rate:
0% for 14 mths
Balance Transfer Fee:
2.98%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.6% p.a.
Balance Transfers:
16.6% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 50 days
Online Banking:
Yes

Approval Criteria

  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are in full time employment
  • You are a permanent resident/citizen of the UK
  • You have a Bank or Building society account

Introductory Offer

Balance Transfer Rate:
0% until Nov 2011
Balance Transfer Fee:
3%
Purchase Rate:
0% until Dec 2010

Typical APR

Purchases:
17.9% p.a.
Balance Transfers:
17.9% p.a.
Cash Advance:
23.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% for 9 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 13 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Balance Transfer Fee:
2.90%
Cash Advance:
24.94% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 51 days
Online Banking:
Yes

Approval Criteria

  • You have an excellent Credit History
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have a gross annual income of £5,000+

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 50 days
Online Banking:
Yes

Approval Criteria

  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

Balance transfer must be made within 90 days

Introductory Offer

Balance Transfer Rate:
0% for 16 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Introductory Offer

Balance Transfer Rate:
0% for 12 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 12 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
19.95% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 59 days
Online Banking:
Yes

Approval Criteria

  • You have a permanent UK address
  • You are 18 or over
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are not an existing Sainsbury's Bank Credit Card holder

Introductory Offer

Balance Transfer Rate:
0% for 10 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 10 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 50 days
Online Banking:
Yes

Approval Criteria

  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

Balance transfer must be made within 90 days

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Balance Transfer Fee:
3%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Balance Transfer Fee:
3%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Introductory Offer

Balance Transfer Rate:
0% for 12 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

Balance transfer must be made within 90 days

Introductory Offer

Balance Transfer Rate:
0% until Oct 2011
Balance Transfer Fee:
2.50%
Purchase Rate:
N/A

Typical APR

Purchases:
19.9% p.a.
Balance Transfers:
19.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You haven't missed multiple payments on a credit agreement within the last 12 months
  • You don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
  • You don't already have a Barclaycard
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 15 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.7% p.a.

Standard Features

Credit Limit:
Subject Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • YOU ARE AN EXISTING HSBC CUSTOMER
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have been a permanent resident/citizen of the UK for atleast the last 3 years
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 12 mths
Balance Transfer Fee:
2.98%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.1% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have an income over £8,000 p.a

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
6.80% p.a.
Balance Transfers:
6.80% p.a.
Cash Advance:
15.8% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 21 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £20,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 9 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 9 mths

Typical APR

Purchases:
11.9% p.a.
Balance Transfers:
11.9% p.a.
Cash Advance:
23.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are over 50 years of age
  • You are a homeowner
  • You have an income of over £12,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

Introductory Offer

Balance Transfer Rate:
0% for 10 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 10 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Balance Transfer Fee:
3%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Introductory Offer

Balance Transfer Rate:
0% for 10 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 10 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Balance Transfer Fee:
3%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Introductory Offer

Balance Transfer Rate:
5.90% For Life
Balance Transfer Fee:
2%
Purchase Rate:
N/A

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 50 days
Online Banking:
Yes

Approval Criteria

  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

Introductory Offer

Balance Transfer Rate:
4.90% for 12 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
11.9% p.a.
Balance Transfers:
11.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
17.9% p.a.
Balance Transfers:
17.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have a household income of at least £30,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 50 days
Online Banking:
Yes

Approval Criteria

  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years
  • You have not applied for an MBNA or Virgin Credit Card within the last 6 months


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Fri 20th Aug, 2010
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Virgin Money credit card's balance transfer offer commended
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Mon 1st Mar, 2010
Balance transfers 'can be of assistance'
A balance transfer credit card could help consumers get to grips with their finances more effectively, it has been suggested. Making use of the right financial products could help ...
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Mon 1st Feb, 2010
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Barclaycard has increased the number of interest free months on balance transfers and removed the fixed end date, so customers can benefit from the entire 0% period from the date they ...
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Thu 28th Jan, 2010

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