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 CardBalance Transfer Rate Duration and FeeNew Purchases Rate and DurationTypical APR VariableCashBack or Loyalty RewardsApply
VirginVirgin
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0% for 16 months
(2.98% fee)
0% for 6 months16.6%Virgin discountsapply online
Post OfficePost Office
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0% for 12 months
(2.98% fee)
0% for 3 months16.9%N/Aapply online
Halifax All In OneHalifax All In One
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0% for 10 months
(3% fee)
0% for 10 months15.9%N/Aapply online
BTBT
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0% for 12 months
(3% fee)
0% for 3 months16.9%Money off BT billapply online
MBNA Platinum PlusMBNA Platinum Plus
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0% until Jan 2010
(2.9% fee)
0% until Mar 200915.9%N/Aapply online
Alliance and LeicesterAlliance and Leicester
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0% for 12 months
(3% fee)
0% for 3 months15.9%N/Aapply online
WWF Credit CardWWF Credit Card
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0% for 12 months
(3% fee)
0% for 3 months15.9%Supports the work of the WWFapply online
AAAA
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0% for 9 Months
(3% fee)
0% for 6 Months15.9%AA Reward pointsapply online
MBNA RewardsMBNA Rewards
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0% for 13 months
(2.9% fee)
0% for 3 months15.9%Reward pointsapply online
bmibmi
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0% for 12 months
(3% fee)
0% for 3 months15.9%bmi destinations milesapply online

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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