Bread Crumb Trail

Credit Cards 0% Balance Transfer

Compare 0% Credit Card Balance

0% CREDIT CARD BALANCE - Compare the top 5 performing credit cards to quickly see the latest deals on offer. Choose from some attractive features and benefits to find a card that suits you. Applying is easy, just decide which card you want then simply click the 'Apply' button to correspond with your choice.

0% Credit Card Balance

One of the most useful tools provided to customers through credit cards is the 0% credit card balance transfers feature, allowing people to transfer existing balances or debt to one credit card, paying no interest on the balance for the length of the 0% period.

This is great if you're trying to pay off your debt – why pay interest when you don't have to? The only expense when taking advantage of a 0% credit card balance transfer is the transfer fee which applies to most credit cards and is calculated by a small percentage of the balance you are looking to transfer. This is usually around 3% of the total amount, and is added onto your balance on completion of the transfer.

You can still benefit from your interest free days, but it is recommended to keep your spending separate when using the balance transfer feature, as any money paid off on your bill automatically comes off your balance transfer, so if you use it to make purchases, don't be fooled by 0% purchases introductory periods as you will end up shortening your 0% balance transfer period if you wish to avoid paying any interest.

Top 5 Balance Transfer Credit Cards

Card Issuer Balance Transfers Purchases Typical APR (variable) Apply
Rate Duration Fee Rate Duration
View Full Table >
Virgin Credit Card
16 months 0% Balance Transfers
& 3 months 0% Purchases
 0% 16 mths 2.98% 0% 3 mths
16.6%
Apply >
More Info
Barclaycard Platinum
15 months 0% Balance Transfers
& 3 months 0% Purchases
 0% 15 mths 2.90% 0% 3 mths
15.9%
Apply >
More Info
Egg Visa Card
0% Balance Transfers until May 2011 & 0% Purchases until June'10
 0% until May 2011 3% 0% until Jun 2010
16.9%
Apply >
More Info
Tesco Clubcard
6 months 0% on Balance Transfers
& 12 Months 0% Purchases
 0% 6 mths 2% 0% 12 mths
16.9%
Apply >
More Info
MBNA Platinum
13 months 0% Balance Transfers
& 3 months 0% Purchases
 0% 13 mths 2.90% 0% 3 mths
16.9%
Apply >
More Info

Introductory Offer

Balance Transfer Rate:
0% for 16 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% for 15 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% 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% until May 2011
Balance Transfer Fee:
3%
Purchase Rate:
0% until Jun 2010

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
22.9% 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 6 mths
Balance Transfer Fee:
2%
Purchase Rate:
0% for 12 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Balance Transfer Fee:
2%
Cash Advance:
24.9% 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 an income over £10,000 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 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 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% 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:
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% until Apr 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:
24.9% p.a.

Standard Features

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

Approval Criteria

  • YOU ARE AN EXISTING NATWEST CUSTOMER
  • You are at least 25 Years of Age
  • You have a Good 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 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:
24.9% p.a.

Standard Features

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

Approval Criteria

  • YOU ARE A RBS CURRENT A/C HOLDER
  • You are at least 25 Years of Age
  • You have a Good 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 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:
19.16% 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:
7.80% p.a.
Balance Transfers:
7.80% 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:
19.3% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 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:
0% for 9 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 9 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 9 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 9 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 6 mths
Balance Transfer Fee:
2%
Purchase Rate:
0% for 10 mths

Typical APR

Purchases:
18.9% 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

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:
0% for 6 mths
Balance Transfer Fee:
2%
Purchase Rate:
N/A

Typical APR

Purchases:
17.9% p.a.
Balance Transfers:
17.9% 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 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:
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:
18.9% 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

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:
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

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
4.90% for 9 mths

Typical APR

Purchases:
19.9% p.a.
Balance Transfers:
19.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£10,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • YOU ARE A NATWEST CURRENT A/C HOLDERS
  • 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:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
4.90% for 9 mths

Typical APR

Purchases:
19.9% p.a.
Balance Transfers:
19.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£10,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • YOU ARE A RBS CURRENT A/C HOLDER
  • 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


Latest Balance Transfer News RSS Feed

Virgin Money credit card's balance transfer offer commended
One writer has spoken in a favour of a Virgin credit card. Those seeking out a Virgin credit card could be interested in one writer's commendation of such a product.In a lovemoney.com ...
Read More >
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 ...
Read More >
Mon 1st Feb, 2010
Barclaycard increases balance transfer period on platinum credit card
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 ...
Read More >
Thu 28th Jan, 2010
Balance transfer borrowers 'must avoid spending'
Although balance transfer deals can prove to be of assistance to those in debt, borrowers are urged to ensure they do not use such credit cards to continue spending. Britons seeking out ...
Read More >
Tue 19th Jan, 2010
Balance transfer borrowers 'need to be strict'
Borrowers seeking out balance transfer credit cards should endeavour to clear off their debts before the promotional introduction rate expires, one expert advises. Taking advantage of ...
Read More >
Mon 11th Jan, 2010

Popular Searches