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Balance Transfer Credit Cards

Balance Transfer Calculator

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    Are you thinking of applying for a new 0% balance transfer credit card? A very wise decision indeed. Whether you need to manage your debt more effectively, consolidate multiple debts into one payment or begin a new 0% interest period, this option can assist you in handling personal debt.

    What is a 0% balance transfer credit card?

    These credit cards are specifically designed for balance transfers, which means moving your current debt or even multiple debts can make it easier for you to pay the monthly fee. The 0% period refers to the amount of time you have to use your credit card interest free, allowing you to manage your debt much more comfortably.

    What is the best balance transfer credit card for me?

    There are many options when it comes to balance transfer credit cards, so it’s worth finding out what it all means before you apply. Have a look at our list below and watch out for the important bits:

    • 0% interest period: This indicates how long you will have without accruing interest after making a balance transfer. Have a think about how long it would take you to pay off your debts and if this period is long enough
    • Transfer fee: A one-off payment made when transferring money onto the credit card. This isn’t usually very high, but can be a deciding factor when looking at multiple credit cards
    • APR: The Annual Purchase Rate is how much you will pay across a year of borrowing using the card once the interest-free period has ran out
    • Credit rating: Many 0% balance transfer credit cards require a good credit rating, so it’s worth getting a credit report before you apply. If you aren’t sure about your credit rating, compare credit reports here

    Are you still unsure what 0% balance transfer credit card to pick? Try our moneymatcher comparison tool. Based on just a few details, we can summon a tailored list of credit cards that should make your final decision even easier. Better yet, it’s free to use and won’t affect your credit score.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

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How to use Money Guru

Money Guru is a comparer of loans, credit cards, mortgages, current accounts, savings and investments, business banking and business loans. With our moneymatcher you can narrow down your search and find the right option for you.

  • Use moneymatcher to check your eligibility
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