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Balance Transfer Credit Cards

Balance Transfer Calculator

TSB

Platinum 29 Month Balance Transfer Credit Card
TSB logo

29 months

0% interest on transfers

2.95%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). 2.95% fee on Balance Transfers for first 90 days of account opening; otherwise the rate will be 19.95% p.a. variable with 3% fee. Credit available subject to status.

M&S Bank

Transfer Plus Offer Credit Card
M&S Bank logo

28 months

0% interest on transfers

2.85%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

HSBC

Balance Transfer Credit Card
HSBC logo

25 months

0% interest on transfers

1.5%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. 

Virgin Money

22 Month Balance Transfer Credit Card - Representative APR 21.9%
Virgin Money logo

22 months

0% interest on transfers

3.0%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Virgin Money

22 Month Balance Transfer Credit Card - Representative APR 23.9%
Virgin Money logo

22 months

0% interest on transfers

3.0%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

22 Month Balance Transfer Credit Card - Representative APR 25.9%
Virgin Money logo

22 months

0% interest on transfers

3.0%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

Virgin Money

20 Month Balance Transfer Card - Representative APR 21.9%
Virgin Money logo

20 months

0% interest on transfers

1.50%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Virgin Money

20 Month Balance Transfer Card - Representative APR 23.9%
Virgin Money logo

20 months

0% interest on transfers

1.50%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

20 Month Balance Transfer Card - Representative APR 25.9%
Virgin Money logo

20 months

0% interest on transfers

1.50%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

TSB

Platinum 20 Month Purchase Credit Card
TSB logo

20 months

0% interest on transfers

2.95%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year at a Purchase Rate of 19.95% (variable), representative 19.9% APR (variable). 2.95% fee on Balance Transfers for first 90 days of account opening; otherwise the rate will be 19.95% p.a. variable with 3% fee. Credit available subject to status.

M&S Bank

Shopping Plus Offer Credit Card
M&S Bank logo

20 months

0% interest on transfers

2.99%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

Barclaycard

18 Month Platinum All Rounder Credit Card
Barclaycard logo

18 months

0% interest on transfers

2.9%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Virgin Money

18 Month All Round Credit Card - Representative APR 21.9%
Virgin Money logo

18 months

0% interest on transfers

2.9%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

HSBC

Purchase Plus Credit Card
HSBC logo

18 months

0% interest on transfers

2.9%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status. 

Virgin Money

18 Month All Round Credit Card - Representative APR 23.9%
Virgin Money logo

18 months

0% interest on transfers

2.9%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

18 Month All Round Credit Card - Representative APR 25.9%
Virgin Money logo

18 months

0% interest on transfers

2.9%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

Virgin Money

16 Month Balance Transfer Card - Representative APR 27.9%
Virgin Money logo

16 months

0% interest on transfers

3.0%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.9% (variable), representative 27.9% APR (variable). Credit available subject to status.

Virgin Money

12 Month All Round Credit Card - Representative APR 27.9%
Virgin Money logo

12 months

0% interest on transfers

2.9%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.9% (variable), representative 27.9% APR (variable). Credit available subject to status.

HSBC

Rewards Credit Card
HSBC logo

6 months

0% interest on transfers

2.0%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. Existing HSBC Customers Only.

M&S Bank

Reward Credit Card
M&S Bank logo

6 months

0% interest on transfers

2.9%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

Virgin Atlantic

Reward Credit Card
Virgin Atlantic logo

6 months

0% interest on transfers

3.0%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status. 0.75 Flying Club miles for every £1 you spend on everyday card purchases and 1.5 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays. 

Virgin Atlantic

Reward+ Credit Card
Virgin Atlantic logo

6 months

0% interest on transfers

3.0%

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), with a £160 annual fee, representative 63.9% APR (variable). Credit available subject to status. 1.5 Flying Club miles for every £1 you spend on everyday card purchases and 3 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays. Earn 15,000 bonus miles with your first card purchase within 90 days of account opening.

TSB

Advance MasterCard
TSB logo

3 months

0% interest on transfers

No transfer fee

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year at a Purchase Rate of 7.95% (variable), representative 7.9%APR (variable). 0% fee on Balance Transfers for first 90 days of account opening; otherwise the rate will be 7.95% p.a. variable with 3% fee. Credit available subject to status.

Royal Bank of Scotland

The Royal Bank Credit Card
Royal Bank of Scotland logo

6.9%

p.a. variable on transfers

No transfer fee

Transfer fee

Representative Example:

Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 9.9% (variable), representative 9.9% APR (variable). Credit available subject to status.

Your actual credit limit and APR may vary depending on our credit assessment of you.

NatWest

The Natwest Credit Card
NatWest logo

6.9%

p.a. variable on transfers

No transfer fee

Transfer fee

Representative Example:

Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 9.9% (variable), representative 9.9% APR (variable). Credit available subject to status.

Your actual credit limit and APR may vary depending on our credit assessment of you.

Royal Bank of Scotland

Reward Credit Card
Royal Bank of Scotland logo

18.9%

p.a. variable on transfers

No transfer fee

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), with a £24 annual fee, representative 23.7% APR (variable). Credit available subject to status.

Barclaycard

Rewards Credit Card
Barclaycard logo

22.9%

p.a. variable on transfers

No transfer fee

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status.

Vanquis Bank

Origin Credit Card
Vanquis Bank logo

59.9%

p.a. variable on transfers

No transfer fee

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 59.90% (variable), representative 59.9% APR (variable). Credit available subject to status.

Vanquis Bank

Chrome 29.3% Credit Card
Vanquis Bank logo

N/A

0% interest on transfers

No transfer fee

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.3% (variable), representative 29.3% APR (variable). Credit available subject to status.

Vanquis Bank

Visa Credit Card
Vanquis Bank logo

N/A

0% interest on transfers

No transfer fee

Transfer fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.90% (variable), representative 39.9% APR (variable). Credit available subject to status.

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  • Compare Balance Transfer Credit Cards

    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 an unbiased comparer of loans, credit cards, mortgages, current accounts, business accounts and credit reports. With our moneymatcher tool you can narrow down your search and find the best option for you.

  • Use moneymatcher to check your eligibility
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