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Compare 0% balance transfer credit cards

We have found 92 out of 156 credit cards that offer 0% on balance transfers.

Transfer an existing credit card balance to pay 0% interest on it for a limited period.

Benefits
Pay no interest on any of your existing borrowing until your deal ends.
Pitfalls
You pay a fee to transfer your balance, if you miss a payment you could lose your entire 0% deal and new spending on these credit cards is expensive.
43 months 0.0% 21.7% APR 66%Fair

Santander All in One Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
  2. This credit card has a high annual fee of more than £25, making it more expensive to use overall than others with the same APR.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.
40 months 2.69% 18.9% APR 69%Good

Tesco Bank Clubcard Credit Card for Balance Transfers and Money Transfers

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. The 0% offer is applied to any balances or money transferred within the first 90 days of account opening.
40 months 1.68% 19.9% APR 66%Fair

Barclaycard Platinum 40 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 1.68% by a refund (Terms and conditions apply).
40 months 1.69% 18.9% APR 66%Fair

Sainsbury's Bank Nectar 40 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. Nectar cardholders only - You'll pay a 2.89% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 1.2%, so the overall fee is 1.69%. 3% balance transfer fee applies afterwards (minimum £3 at all times).
39 months 2.4% 20.9% APR 70%Good

Virgin Money 39 Month Balance Transfer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.
39 months 1.48% 18.9% APR 65%Fair

MBNA Platinum 39 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
38 months 1.5% 20.9% APR 70%Good

Virgin Money 38 Month Balance Transfer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.
38 months 2.25% 18.9% APR 68%Good

Halifax 38 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% balance transfer fee applies with a 0.75% refund within 90 days, so the effective fee is 2.25% (Terms and conditions apply).
37 months 1.99% 18.9% APR 66%Fair

Post Office Money Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
37 months 2.89% 18.9% APR 66%Fair

Sainsbury's Bank 37 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 2.89% fee to transfer a balance to this card in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).
36 months 2.9% 20.9% APR 70%Good

Virgin 36 Month Money Transfer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.
35 months 1.49% 18.9% APR 66%Fair

Lloyds Bank Platinum 35 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% balance transfer fee applies with a 1.51% refund within 90 days, so the effective fee is 1.49% (Terms and conditions apply).
35 months 1.5% 18.9% APR 66%Fair

Sainsbury's Bank 35 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).
33 months 0.58% 18.9% APR 66%Fair

Lloyds Bank Platinum 33 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% fee applies with a 2.42% refund within 90 days, so the effective fee is 0.58% (Terms and Conditions apply).
33 months 0.59% 18.9% APR 66%Fair

Sainsbury's Bank 33 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.91% so the overall fee is 0.59%. 3% balance transfer fee afterwards (minimum £3 at all times).
32 months 0.6% 19.9% APR 70%Good

Virgin 32 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.
32 months 0.65% 18.9% APR 69%Good

Tesco Bank Clubcard 32 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. The 0% offer is applied to any balances transferred within the first 90 days of account opening.
32 months 0.7% 18.9% APR 68%Good

Halifax 32 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.
32 months 0.8% 18.9% APR 67%Fair

Bank of Scotland Platinum 32 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.