0% balance transfer credit card offers

Using a 0% balance transfer credit card is a great way to avoid paying interest on your debts. Compare the latest deals now...

0% on balance transfers for 14 months - with the Virgin Credit Card
	0% on balance transfers for 14 months (2.98% fee) 0% on new purchases for 3 month Great discounts on a wide range of products	More info

Top 0% Balance transfer Credit Cards

Company	Package Name	Balance Transfer Rate & Period	Balance Transfer Notes	Introductory Purchases Rate & Period	Standard % APR (Variable)	Rewards details
	Virgin Credit Card	0% for 14 months	2.98% transfer fee	0% for 3 months	16.6%	Virgin Discounts
	Barclaycard Platinum	0% for 16 months	2.9% transfer fee	0% for 3 months	16.9%	Identity Protection Service
	Post Office Credit Card	0% for 12 months	2.98% transfer fee	0% for 3 months	16.9%	Further 0% transfers on 2nd & 3rd anniversary
	Egg Credit Card	0% until November 2011	3% transfer fee	0% until December 2010	17.9%	Cashback and discounts at selected retailers
	Nationwide Gold Credit Card	0% for 15 months	3% transfer fee	0% for 3 months	16.9%	Commission free purchases abroad
	Natwest Platinum	0% for 16 months	2.9% transfer fee	0% for 3 months	16.9%	Take1% off the APR for Advantage Gold customers
	Barclaycard Platinum with Purchases	0% for 12 months	2.9% transfer fee	0% for 12 months	16.9%	Identity Protection Service
	Virgin 12-12 credit card	0% for 12 months	2.98% transfer fee	0% for 12 months	18.9%	Virgin Discounts
	Sainsbury's Credit Card	0% for 9 months	3% transfer fee	0% for 9 months	15.9%	0% for 12 months on Sainsbury's shopping
	All in One Credit Card	0% for 10 months	3% transfer fee	0% for 10 months	15.9%	n/a
	Tesco Clubcard Credit Card	0% for 9 months	2.90% transfer fee	0% for 13 months	16.9%	Earn Extra Clubcard Points
	Lloyds TSB Airmiles Duo	0% for 6 months	3% transfer fee	Get a 1,500 airmile voucher when you spend £10 on first spend	15.9%	1 mile per £10 spent
	MBNA Platinum Reward	0% for 13 months	2.9% transfer fee	0% for 3 months	16.9%	MBNA reward points

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Related guides Read our latest credit card consumer guides. Explaining credit card terms and conditions Credit card fraud – A guide to protecting yourself 10 things you should know about taking out a credit card

Our expert says... Our finance expert gives his top tips when applying for credit cards. Always read the terms and conditions carefully before you apply for any credit card. Applying for multiple credit cards at the same time may negatively affect your credit rating. You can improve a poor credit rating by using an adverse credit card sensibly.

What are 0% balance transfer credit cards?

0% balance transfer credit cards allow you to transfer existing balances to another card, and take advantage of up to 15 months 0% interest on your balance. They’re a great way to pay back your debt without paying the interest on top.

What are the benefits of a 0% balance transfer credit cards?

• Transfer your credit card balance to a new card and avoid paying interest on this balance during the promotional period.
• You can transfer you existing credit card balance to a new card, and you do not have to pay interest on this balance during the promotional period.
• Combine the balance transfer with additional offers such as 0% on purchases. View the latest credit card offers.

What else should I know about 0% balance transfer credit cards?

• It’s likely that you’ll be required to pay a transfer fee, usually around 2 to 3% of the balance that you’re intending to transfer.
• You can’t transfer a balance between cards of the same banking group (Natwest and RBS, for example).
• Try to avoid using these cards for new purchases. You will be charged interest on the purchases portion of the debt, and usually any payments you make will pay off the cheaper portion of the debt first.
• Remember to pay off the full balance before the end of the promotional period, or you will have to start paying interest on the balance, which is likely to be set at a high level.
If you’re unable to pay off the full balance before the end of the promotional period then a lifetime balance transfer credit card may be a better option.

If you want to find out more then read our guide to 0% balance transfer credit cards.