AAA
0% balance transfer credit cards

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% Balance Transfers

0% Purchases

Reward Cards

Air Miles Cards

Adverse Credit


Balance transfers

CompanyPackage NameBalance Transfer Rate & PeriodBalance Transfer NotesIntroductory Purchases Rate & PeriodStandard % APR (Variable)Rewards details 
Virgin Credit Card0% for 16 months2.98% transfer fee0% for 3 months

16.6%

Virgin Discounts
Post Office Credit Card0% for 12 months2.98% transfer fee0% for 3 months

16.9%

Further 0% transfers on 1st & 2nd anniversary
Barclaycard Platinum0% until Aug 20102.5% transfer fee0% for 3 months

12.4%

Identity Protection Service
MBNA Platinum0% for 13 months2.9% transfer fee0% for 3 months

15.9%

n/a
BT Credit Card0% for 13 months3% transfer fee0% for 3 months

16.9%

Get money off your BT bill
Sainsbury's Credit Card0% for 10 months3% transfer fee0% for 3 months

15.9%

0% interest for 12 months on Sainsbury's purchases & 2 nectar point per £1 spent
MBNA Platinum Reward0% for 13 months2.9% transfer fee0% for 3 months

15.9%

MBNA reward points
HSBC Credit Card (existing customers)0% for 15 months2.9% transfer fee0% for 3 months

16.9%

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

15.9%

Earn reward points against flights & shopping vouchers
Bank of Scotland Credit Card0% for 9 months3% transfer fee0% for 9 months

15.9%

n/a
Egg Credit Card0% until Aug 20103% transfer fee0% until Oct 2009

16.9%

Up to 10% cashback on selected retailers
MBNA Business0% for 12 months3% transfer fee0% for 3 months

17.9%

20,000 FREE destination miles when your account is activated
All in One Credit Card0% for 9 months3% transfer fee0% for 9 months

15.9%

n/a
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.

Compare Credit Cards