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 transfer credit cards

Company	Package Name	Balance Transfer Rate & Period	Balance Transfer Notes	Introductory Purchases Rate & Period	APR	Rewards details
	Virgin Credit Card	0% for 20 months	2.99% transfer fee	0% for 3 months	16.8% APR Representative (variable)	Virgin Discounts
Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1200. Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ
	Nationwide credit card	0% for 17 months	2.95% transfer fee	0% for 3 months	15.9% Representative (variable)	Enjoy unlimited commission free purchases abroad
Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable). Nationwide, Nationwide House, Pipers Way, Swindon SN38 1NW
	Barclaycard Platinum with low handling fee	0% for 16 months	2.1% transfer fee	0% for 3 months	18.9% APR Representative (variable)	Reduce fee from 2.1% to 1.6% with refund offer
Representative Example: If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable). Barclaycard, 1 Churchill Place, London E14 5HP
	Barclaycard Platinum with Purchases	0% for 14 months	2.9% transfer fee	0% for 14 months	18.9% APR Representative (variable)	Barclaycard Freedom - a reward programme like no other
Representative Example: If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable). Barclaycard, 1 Churchill Place, London E14 5HP
	Post Office Credit Card	0% for 14 months	2.98% transfer fee	0% for 3 months	16.9% APR Representative (variable)	0% commission on purchases overseas
Representative Example: Introductory rate of 0% purchases for the first 3 months and 16.9% thereafter. Credit limit is subject to status. 16.9% APR Representative (Variable). Post Office, 148 Old Street, London EC1V

This is an independent comparison service that provides an extensive selection including some of the most competitive deals on the market.

The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.

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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

Top credit card tips... Here are our top tips for when you’re applying for a credit card. 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 20 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.