0% Balance Transfer Credit Card

A 0% balance transfer credit card is a credit card which has an offer of 0% interest on balance transfers for an introductory period of anything from 12 to 16 months, which then changes to the card issuers standard variable rate after the introductory period. A balance transfer handling fee is usually charged by the credit card company on each balance transfer.

This handling fee is around 3% of the value of the balance transferred. Even with these handling fees, transferring a balance from a credit card on which you are paying interest at the standard rate which may be around 17%, to one on which you pay 0% interest for a year or more can lead to quite substantial savings. Here are our featured 0% balance transfer cards :-

Credit Card	Balance Transfers	Purchases	Typical APR Variable	Rewards
NatWest Platinum Show More Information	0% for 16 months (2.9% fee)	0% for 3 months	16.9%	N/A
RBS Platinum Show More Information	0% for 16 months (2.9% fee)	0% for 3 months	16.9%	N/A
Virgin Show More Information	0% for 14 months (2.98% fee)	0% for 3 months	16.6%	Virgin product discounts
EggCard Show More Information	0% until Sep 2011 (3% fee)	0% until Oct 2010	17.9%	Discounts at selected retailers
Nationwide Gold Show More Information	0% for 15 months (3% fee)	0% for 3 months	16.9%	N/A
BT Show More Information	0% for 13 months (3% fee)	0% for 3 months	16.9%	Money off BT bill
Barclaycard Platinum Show More Information	0% for 15 months (2.9% fee)	0% for 3 months	15.9%	Barclaycard Freedom rewards
AA Show More Information	0% for 12 months (3% fee)	0% for 10 months	16.9%	AA Reward points
MBNA Platinum Plus Show More Information	0% for 13 months (2.9% fee)	0% for 3 months	16.9%	N/A
Halifax All In One Show More Information	0% for 10 months (3% fee)	0% for 10 months	15.9%	N/A
MBNA Rewards Show More Information	0% for 13 months (2.9% fee)	0% for 3 months	16.9%	Reward points
Tesco Clubcard Show More Information	0% for 9 months (2.9% fee)	0% for 13 months	16.9%	Tesco Clubcard points
Virgin Purchase Show More Information	0% for 12 months (2.98% fee)	0% for 12 months	18.9%	Virgin product discounts
MBNA Platinum Dual Show More Information	0% for 10 months (3% fee)	0% for 10 months	16.9%	N/A

Latest 0% Balance Transfer Credit Card News

NatWest Longer Balance Transfer Offer

16th July 2010

NatWest have increased the introductory offer on their Platinum credit card and the card is now available with an offer of 0% on balance transfers for 16 months, with a 2.9% handling fee, and an interest rate of a typical 16.9% APR variable. The NatWest Platinum card is a MasterCard credit card which is available for online applications. Read More

New Egg Credit Card Offers

2nd July 2010

The Egg credit card has a new introductory offer on balance transfers and now comes with a rate of 0% until the 1st September 2011, with a handling fee of 3%, and a typical interest rate of 17.9% APR variable. The Egg credit card is a Visa credit card which is available for online applications. Read More

NatWest Credit Card Offer Changes

14th June 2010

NatWest's Platinum credit card was previously only available to existing NatWest current account customers but is now available to all applicants and the card offers 0% on balance transfers for 15 months, with a 2.9% handling fee, and an interest rate of a typical 16.9% APR variable. The NatWest credit card is a MasterCard which is available for online applications. Read More

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