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 20 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 normally 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

Representative APR (Variable)

Rewards

NatWest Platinum Show More Information National Westminster Bank PLC, 135 Bishopsgate, London, EC2M 3UR		0% for 20 months (2.9% fee) 0% for 6 months 17.9% APR N/A Representative Example: Representative 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). Please note: In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you. Who Can Apply: UK resident, Age 18+, Income £10,000+, Good credit rating

Barclaycard Platinum Visa Show More Information Barclays Bank PLC, 1 Churchill Place, London, E14 5HP		0% for 22 Months (2.9% fee) 0% for 3 months 17.9% APR N/A Representative Example: 17.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 17.9%. Who Can Apply: UK resident, Age 21+, Income £20,000+, Good credit rating

Nationwide Show More Information Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW		0% for 17 months (2.95% fee) 0% for 3 months 15.9% APR N/A Representative Example: 15.9% APR Representative (variable). Based on 2.95% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 15.9% Who Can Apply: UK resident, Age 18+, Registered to vote, Good credit rating

AA Balance Transfer Show More Information MBNA Europe Bank Limited, Stansfield House, Chester Business Park, Chester, CH4 9QQ		0% for 16 months (2.9% fee) 0% for 3 months 17.9% APR AA reward Points Representative Example: 17.9% p.a. (variable) on card purchases. This is equivalent to 17.9% APR representative (variable) based on a credit limit of £1200 Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

Virgin All Round Show More Information Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ		0% for 16 months (1.99% fee) 0% for 6 months 15.8% APR Virgin product discounts Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on assumed credit limit of £1,200 Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

HSBC Bank Show More Information HSBC Bank plc, 8 Canada Square, London, E14 5HQ		0% for 23 months (3.3% fee) 0% for 3 months 17.9% APR N/A Representative Example: Based on an assumed credit of £1200, our 16.7% rate p.a for new purchases gives a representative rate of 17.9% APR variable. Who Can Apply: HSBC current account customers only, Age 18+, Income £8,500+

Tesco Clubcard Show More Information Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ		0% for 9 months (2.9% fee) 0% for 15 months 16.9% APR Tesco Clubcard points Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Income £5,000+

RBS Platinum Show More Information The Royal Bank of Scotland plc. 36 St Andrew Square, Edinburgh, EH2 2YB		0% for 20 months (2.9% fee) 0% for 6 months 17.9% APR N/A Representative Example: Representative 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). Please note: In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you. Who Can Apply: UK residents, Age 18+, Income £10,000+

Virgin Show More Information Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ		0% for 20 months (2.99% fee) 0% for 3 months 16.8% APR Virgin product discounts Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on assumed credit limit of £1,200. Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

AA Show More Information MBNA Europe Bank Limited, Stansfield House, Chester Business Park, Chester, CH4 9QQ		0% for 12 months (3% fee) 0% for 10 months 16.9% APR AA Reward points Representative Example: 16.9% p.a. (variable) on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1200 Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

Lloyds TSB Platinum Show More Information Lloyds TSB Bank plc, 25 Gresham Street, London, EC2V 7HN		0% for 15 months (1.5% fee) 0% for 3 months 17.9% APR N/A Representative Example: 15.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 15.94% Who Can Apply: UK resident, Age 18+, Minimum Income £15,000+, Good credit rating

Virgin All Round Show More Information Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ		0% for 16 months (1.99% fee) 0% for 6 months 15.8% APR Virgin product discounts Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on assumed credit limit of £1,200 Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

Halifax All In One Show More Information Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ		0% for up to 15 months* (3% fee) 0% for up to 15 months* 17.9% APR N/A Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable). *The APR and length of the promotional offer are dependent on your personal circumstances Who Can Apply: UK resident, Age 18+, Regular income, Good credit rating

Post Office MasterCard Show More Information Bank of Ireland (UK) plc. Bow Bells House, 1 Bread Street, London, EC4M 9BE		0% for 14 months (2.98% fee) 0% for 3 months 16.9% APR N/A Representative Example: 16.9% APR Representative (variable). Based on 2.98% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 16.9% Who Can Apply: UK resident, Age 18+, Minimum Income £15,000+, Good credit rating

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Latest 0% Balance Transfer Credit Card News

New Virgin All Round Credit Card

24th October 2011

Virgin Money have introduced a new credit card the Virgin All Round credit card. The new Virgin All Round card offers 0% on balance transfers for 16 months for transfers made within the first 60 days, with a lower than average 1.99% handling fee and a representative 15.8% APR variable. The Virgin credit card is a MasterCard which is available for online applications. Read More

New AA Balance Transfer Credit Card

17th October 2011

The AA have introduced a new balance transfer credit card. The introductory offer available on the AA balance transfer credit card card is an introductory offer of 0% on balance transfers for 16 months, with a handling fee of 2.9% and an interest rate of a representative 17.9% APR variable. The AA balance transfer credit card is a MasterCard credit card and is available for online applications. Read More

New Virgin Credit Card Offer

28th July 2011

Virgin Money have changed the promotional balance transfer offer available on the Virgin credit card which now offers 0% on balance transfers for 18 months for transfers made within the first 60 days, with a 2.7% handling fee and a representative 16.8% APR variable. The Virgin credit card is a MasterCard which is available for online applications. Read More

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