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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 2nd & 3rd anniversary
Barclaycard Platinum0% for 15 months2.90% transfer fee0% for 3 months

15.9%

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

16.9%

n/a
Sainsbury's Credit Card0% for 10 months3% transfer fee0% for 10 months

15.9%

Double Nectar points for 2 years in Sainsbury's shopping
Egg Credit Card0% until May 20113% transfer fee0% until June 2010

16.9%

Cashback and discounts at selected retailers
BT Credit Card0% for 13 months3% transfer fee0% for 3 months

16.9%

Get money off your BT bill
Saga Credit Card0% for 9 months3% transfer fee0% for 9 months

11.9%

n/a
IMPORTANT: Saga Credit Card is only available to customers aged over 50 years
Lloyds TSB Platinum0% for 12 months3% transfer fee0% for 3 months

15.9%

n/a
MBNA Platinum Reward0% for 13 months2.9% transfer fee0% for 3 months

16.9%

MBNA reward points
AA Credit Card0% for 12 months3% transfer fee0% for 10 months

16.9%

Earn AA reward points
All in One Credit Card0% for 9 months3% transfer fee0% for 9 months

15.9%

n/a
Lloyds TSB Airmiles Duo0% for 6 months3% transfer feen/a

15.9%

1 mile per £10 spent

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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