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0% Balance Transfers

 		0% on Balance Transfers Credit Cards

0% Purchases

 		0% on Purchases Credit Cards

Reward Cards

 		Reward Credit Cards

Air Miles Cards

 		Airmiles Credit Cards

Cash Back Cards

 		Cashback Credit Cards

Adverse Credit

Credit Cards for People With Adverse Credit

0% balance transfer credit card offers

CompanyPackage NameBalance Transfer Rate & PeriodBalance Transfer NotesIntroductory Purchases Rate & PeriodStandard % APR (Variable)Rewards details 
Virgin Credit Card0% for 15 months2.98% transfer fee0% for 3 months

15.9%

Virgin Discounts
Barclaycard Platinum0% for 14 months2.9% transfer fee0% for 3 months

14.9%

6 months free gadget insurance
Lloyds TSB Platinum0% for 14 months3% transfer fee0% for 3 months

15.9%

n/a
Barclaycard Onepulse0% for 14 months2.5% transfer fee0% for 6 months

14.9%

Combines credit & Oyster card
Capital One Platinum0% Until Oct 093% transfer fee0% Until Oct 09

15.9%

Free Identity Theft Service
MBNA Platinum0% for 14 months2.9% transfer fee0% for 3 months

15.9%

n/a
Tesco Clubcard Credit Card0% for 14 months2.9% transfer fee0% 6 months

16.9%

Earn Extra Clubcard Points
Natwest Classic0% for 13 months2.9% transfer fee0% for 6 months

15.9%

Take advantage of the Natwest Travel Club and Wine Club.
RBS Classic0% for 13 months2.9% transfer fee0% for 6 months

15.9%

Online retail discounts
MBNA Platinum Reward0% until 1st Oct 20092.9% transfer fee0% until 1st Dec 2008

15.9%

MBNA reward points
WWF Credit card0% for 12 months3% handling fee0% for 3 months

15.9%

Contributions to WWF
Sony Credit Card0% for 12 months3% transfer fee0% for 3 months

15.9%

3000 Free Pulsebeats when you first use the card
Alliance & Leicester Credit Card0% for 12 months3% transfer fee0% for 3 months

15.9%

n/a
BT Credit Card0% for 12 months3% transfer fee0% for 3 months

16.9%

Earn money off your BT bill
bmi0% for 12 months3% transfer fee0% for 3 months

15.9%

20,000 bonus miles when you spend £250
National Trust Credit Card0% for 12 months3% handling fee0% for 3 months

15.9%

Contribution to the National Trust everytime you spend
Barclaycard Breath0% for 12 months2.5% Transfer Fee5.9% on public transport

14.9%

Eco Discounts
Halifax One Card0% for 10 months3% transfer fee0% for 10 months

15.9%

n/a
Post Office Platinum0% for 10 months2.75% transfer fee0% for 3 months

15.9%

Further 0% transfers on 1st & 2nd anniversary
Capital One Mastercard0% Until March 093% transfer fee0% Until March 09

19.9%

Free Identity Alerts
Virgin Atlantic Credit card0% for 6 months2% transfer feen/a

17.9%

Air Miles

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.

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