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 16 months2.98% transfer fee0% for 6 months

16.6%

Virgin Discounts
MBNA Platinum0% for 13 months2.9% transfer fee0% for 3 months

15.9%

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

15.9%

3000 Free Pulsebeats when you first use the card
WWF Credit card0% for 12 months3% handling fee0% for 3 months

15.9%

Contributions to WWF
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
Post Office Platinum0% for 12 months2.98% transfer fee0% for 3 months

16.9%

Further 0% transfers on 1st & 2nd anniversary
MBNA Business0% for 12 months3% transfer feen/a

17.9%

20,000 FREE destination miles when your account is activated
Halifax One Card0% for 10 months3% transfer fee0% for 10 months

15.9%

n/a
Virgin Atlantic Credit card0% for 6 months2% transfer feen/a

17.9%

Air Miles
Capital One Low Rate Balance Transfer Card6.5% until Jan 2011no fee0% Until Apr 09

15.9%

Free Identity Theft Service
Capital One Low Rate Credit Card8.5% until Aug 2012no fee8.5% on all purchases

8.5%

Free Identity Theft Service

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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