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 usually 12 to 15 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 between 2 and 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 Transfer Rate Duration and Fee	New Purchases Rate and Duration	Typical APR Variable	CashBack or Loyalty Rewards	Apply
Virgin Show More Information	0% for 16 months (2.98% fee)	0% for 6 months	16.6%	Virgin discounts
Post Office Show More Information	0% for 12 months (2.98% 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
BT Show More Information	0% for 12 months (3% fee)	0% for 3 months	16.9%	Money off BT bill
MBNA Platinum Plus Show More Information	0% until Jan 2010 (2.9% fee)	0% until Mar 2009	15.9%	N/A
Alliance and Leicester Show More Information	0% for 12 months (3% fee)	0% for 3 months	15.9%	N/A
WWF Credit Card Show More Information	0% for 12 months (3% fee)	0% for 3 months	15.9%	Supports the work of the WWF
AA Show More Information	0% for 9 Months (3% fee)	0% for 6 Months	15.9%	AA Reward points
MBNA Rewards Show More Information	0% for 13 months (2.9% fee)	0% for 3 months	15.9%	Reward points
bmi Show More Information	0% for 12 months (3% fee)	0% for 3 months	15.9%	bmi destinations miles

Latest 0% Balance Transfer Credit Card News

MBNA Platinum Card Offer Changes

18th November 2008

MBNA have changed the offer on their Platinum Plus credit card which now comes with an introductory offer of 0% on balance transfers until your statement date in January 2010, when made with the first 90 days, with a 2.9% handling fee and a typical 15.9% APR variable. The MBNA Platinum Plus card is a Visa credit card which is available online. Read More

New AA Credit Card Offer

7th November 2008

The AA have launched a new credit card which comes with an introductory offer of 0% on balance transfers for 9 months, with a 3% handling fee and a typical 15.9% APR variable. The AA credit card is a MasterCard credit card which is available for online applications. Read More

New MBNA Platinum Card Offer

21st October 2008

MBNA have a new offer on their Platinum Plus credit card which now comes with an introductory offer of 0% on balance transfers until your statement date in December 2009, with a 2.9% handling fee and a typical 15.9% APR variable. The MBNA Platinum Plus card is a Visa credit card which is available online. Read More

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