Compare balance transfer credit cards

If you owe money on a credit or store card, transferring it onto a low rate balance transfer credit card can be a great way of slashing the interest you pay and the time it takes to clear your debt. Moneysupermarket.com, offers a wider choice of credit card deals than any other comparison site, helping you identify the best card for your needs.

results for balance transfer cards

Card	Balance Transfer			Typical APR (Variable)	Price for Risk Our 'Price for Risk' logo indicates that the credit card will assess your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted
Card	Rate	Duration	Fee	Typical APR (Variable)
Virgin Credit Card	0%	16 months	2.98%	16.6%	No	Virgin Credit Card 0% on Balance transfers for 16 months (BT fee 2.98%) 0% on Purchases for 3 months 16.6% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age Shopping
Virgin Credit Card	0%	Our expert says: "This is a market leading balance transfer card with a 0% introductory period on balance transfers for 16 months with a 2.98% balance transfer fee. Also use this card to get money off your holidays"
Royal Bank of Scotland Platinum	0%	15 months	2.9%	16.9%	No	Royal Bank of Scotland Platinum 0% on Balance transfers for 15 months (BT fee 2.9%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
Royal Bank of Scotland Platinum	0%	Our expert says: "Available only for existing RBS current account customers"
NatWest Platinum	0%	15 months	2.9%	16.9%	No	NatWest Platinum 0% on Balance transfers for 15 months (BT fee 2.9%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
NatWest Platinum	0%	Our expert says: "Available only for existing NatWest current account customers"
HSBC Bank Credit Card	0%	15 months	2.9%	16.9%	Yes	HSBC Bank Credit Card 0% on Balance transfers for 15 months (BT fee 2.9%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 23.9% on Cash advances No annual fee 18 years Minimum age £8500 p.a. Minimum income
HSBC Bank Credit Card	0%	Our expert says: "This product is currently only available to existing HSBC current account customers "
MBNA Platinum	0%	13 months	2.9%	15.9%	No	MBNA Platinum 0% on Balance transfers for 13 months (BT fee 2.9%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
MBNA Platinum	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
MBNA Platinum Rewards Card	0%	13 months	2.9%	15.9%	No	MBNA Platinum Rewards Card 0% on Balance transfers for 13 months (BT fee 2.9%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
MBNA Platinum Rewards Card	0%	Our expert says: "A good alternative to a cashback card because reward points can be used at a wide range of high street retailers including John Lewis, Boots and Debenhams. Earn 1 point for every £1.00 spent on the card. There is a 13-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
Nationwide BS Gold	0%	13 months	3%	16.9%	No	Nationwide BS Gold 0% on Balance transfers for 13 months (BT fee 3%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age £25000 p.a. Minimum income
Nationwide BS Gold	0%	Our expert says: "Great credit card. The 0% balance transfer offer is one of the longest available (3% balance transfer fee). It is also one of the cheapest cards to use abroad. Nationwide is one of the only major providers to allocate monthly repayments to the most expensive debt first"
BT Credit Card	0%	13 months	3%	16.9%	No	BT Credit Card 0% on Balance transfers for 13 months (BT fee 3%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
BT Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + Earn money off your BT bill with the BT Credit Card + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
Barclaycard Platinum	0%	until December 2010	2.5%	12.4%	No	Barclaycard Platinum 0% on Balance transfers until December 2010 (BT fee 2.5%) 0% on Purchases for 3 months 12.4% Typical APR (Variable) 27.9% on Cash advances No annual fee 21 years Minimum age £20000 p.a. Minimum income
Barclaycard Platinum	0%	Our expert says: "A credit card with a low 12.4% APR plus 0% interest free on balance transfers until December 2010 (2.5% handling fee applies) and 0% interest on purchases for 3 months, both from account opening"
Barclaycard Cashback	0%	until December 2010	2.5%	14.9%	No	Barclaycard Cashback 0% on Balance transfers until December 2010 (BT fee 2.5%) 14.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 21 years Minimum age £20000 p.a. Minimum income
Barclaycard Cashback	0%	Our expert says: "Cashback on balance transfers over £1,000 plus 0% interest on balance transfers until December 2010 (2.5% handling fee), and 1% cashback on first £2,000 spend every year; 0.5% thereafter (T’s&C’s apply)"
MBNA Platinum	0%	until December 2010	2.9%	18.9%	No	MBNA Platinum 0% on Balance transfers until December 2010 (BT fee 2.9%) 0% on Purchases until February 2010 18.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
MBNA Platinum	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
AA Credit Card	0%	until December 2010	2.99%	16.9%	No	AA Credit Card 0% on Balance transfers until December 2010 (BT fee 2.99%) 16.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
AA Credit Card	0%	Our expert says: "Attractive reward card, particularly for AA members. Members receive 2 points for every £1.00 spent on motoring costs and 1 point per £1.00 for other spending. Non-members receive 1 point for every £2.00 spent. Balance transfers are interest-free until Dec 2010. Spend on motoring products and services, fuel and AA products are interest free until Dec 2010"
Egg Card	0%	until 01/12/2010	3%	16.9%	Yes	Egg Card 0% on Balance transfers until 01/12/2010 (BT fee 3%) 0% on Purchases until 01/02/2010 16.9% Typical APR (Variable) 22.9% on Cash advances No annual fee 18 years Minimum age
Egg Card	0%	Our expert says: "Earn up to 10% discounts on travel insurance, holiday auto rental cards and up to 5% on various products from lastminute.com"
Post Office Platinum	0%	12 months	2.98%	16.9%	No	Post Office Platinum 0% on Balance transfers for 12 months (BT fee 2.98%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 24.1% on Cash advances No annual fee 18 years Minimum age £20000 p.a. Minimum income
WWF	0%	12 months	3%	15.9%	No	WWF 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
WWF	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Breakthrough Breast Cancer	0%	12 months	3%	15.9%	No	Breakthrough Breast Cancer 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Breakthrough Breast Cancer	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
bmi American Express Credit Card from MBNA	0%	12 months	3%	15.9%	No	bmi American Express Credit Card from MBNA 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
bmi American Express Credit Card from MBNA	0%	Our expert says: "Competitive reward card that’s worth considering if you are a frequent flyer. Earn 1.5 destination miles for every £1.00 spent and 4.5 for every £1.00 spent on flybmi.com. Spend £250 in the first 90 days and receive 20,000 bonus miles. There is a 12-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
Tottenham Hotspur Credit Card	0%	12 months	3%	15.9%	No	Tottenham Hotspur Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Tottenham Hotspur Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
Aston Villa Rewards Platinum Credit Card	0%	12 months	3%	15.9%	No	Aston Villa Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Aston Villa Rewards Platinum Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
Dogs Trust	0%	12 months	3%	15.9%	No	Dogs Trust 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Dogs Trust	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
England Credit Card	0%	12 months	3%	15.9%	No	England Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
England Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
RSPCA	0%	12 months	3%	15.9%	No	RSPCA 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
RSPCA	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Arsenal Rewards Platinum Credit Card	0%	12 months	3%	15.9%	No	Arsenal Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Arsenal Rewards Platinum Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
UNICEF Platinum	0%	12 months	3%	15.9%	No	UNICEF Platinum 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
UNICEF Platinum	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
SonyCard	0%	12 months	3%	15.9%	No	SonyCard 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
SonyCard	0%	Our expert says: "Ideal if you want to collect reward points that can be used to buy music, film and electronic items. Receive 3,000 points when you make a purchase within the first 90 days.There is a 12-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
Liverpool FC Rewards Platinum Credit Card	0%	12 months	3%	15.9%	No	Liverpool FC Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Liverpool FC Rewards Platinum Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Manchester United Credit Card	0%	12 months	3%	15.9%	No	Manchester United Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Manchester United Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Chelsea Rewards Platinum Credit Card	0%	12 months	3%	15.9%	No	Chelsea Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Chelsea Rewards Platinum Credit Card	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
British Heart Foundation Platinum	0%	12 months	3%	15.9%	No	British Heart Foundation Platinum 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
British Heart Foundation Platinum	0%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Sainsbury's Credit Card	0%	10 months	3%	15.9%	Yes	Sainsbury's Credit Card 0% on Balance transfers for 10 months (BT fee 3%) 0% on Purchases for 10 months 15.9% Typical APR (Variable) 24.9% on Cash advances No annual fee 18 years Minimum age
Sainsbury's Credit Card	0%	Our expert says: "Great card if you shop at Sainsbury’s regularly: Earn 2 Nectar points for every £1.00 spent at Sainsbury’s and 1 point for every £5.00 spent elsewhere. Also one of the leading 0% deals: balance transfers and most purchases are interest-free for 10 months. Spend at Sainsbury’s is interest-free for 12 months"
Marriott Rewards Card	0%	9 months	3%	15.9%	Yes	Marriott Rewards Card 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 6 months 15.9% Typical APR (Variable) 23% on Cash advances No annual fee 18 years Minimum age
Marriott Rewards Card	0%	Our expert says: "Earn Marriott Rewards points every time you spend on your card. Receive 10,000 bonus Marriott Rewards points on your first purchase & 10 nights credit towards Elite member status each year"
Bank of Scotland All In One	0%	9 months	3%	15.9%	Yes	Bank of Scotland All In One 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 9 months 15.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age
Bank of Scotland All In One	0%	Our expert says: "This credit card is a very strong offer with a competitive 0% introductory period on purchases and balance transfers (subject to a fee)"
Halifax All In One	0%	9 months	3%	15.9%	Yes	Halifax All In One 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 9 months 15.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age
Halifax All In One	0%	Our expert says: "This credit card is a very strong offer with a competitive 0% introductory period on purchases and balance transfers (subject to a fee)"
NSPCC Charity Card	0%	9 months	3%	16.9%	Yes	NSPCC Charity Card 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 9 months 16.9% Typical APR (Variable) 24% on Cash advances No annual fee 18 years Minimum age
NSPCC Charity Card	0%	Our expert says: "Make a real difference to the children who desperately need your help every time you shop on this credit card. A £20 donation is made when you first use your card and then 25p is donated for every £100 you spend thereafter"
Cancer Research UK Charity Card	0%	9 months	3%	16.9%	Yes	Cancer Research UK Charity Card 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 9 months 16.9% Typical APR (Variable) 24% on Cash advances No annual fee 18 years Minimum age
Cancer Research UK Charity Card	0%	Our expert says: "Your everyday spending on this credit card could help save lives by funding work and research into the prevention and treatment of cancer. A £20 donation is made when you first use your card and they donate 0.25% of every purchase you make"
Virgin Atlantic White Card	0%	6 months	2%	17.9%	No	Virgin Atlantic White Card 0% on Balance transfers for 6 months (BT fee 2%) 17.9% Typical APR (Variable) 20.9% on Cash advances No annual fee 18 years Minimum age
Virgin Atlantic White Card	0%	Our expert says: "Generous reward scheme. Save for free flights: you receive 3,000 Flying Club miles when you make your first purchase, then 2 miles for every pound you spend on Virgin Atlantic flights or Virgin Holidays and 1 mile for every pound spent elsewhere. Cardholders get 10% off Virgin Holidays"
NatWest Gold	8.9%	N/A	None	16.9%	No	NatWest Gold 8.9% on Purchases for 9 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
NatWest Gold	8.9%	Our expert says: "Available only for existing NatWest current account customers"
Royal Bank of Scotland Gold	8.9%	N/A	None	16.9%	No	Royal Bank of Scotland Gold 8.9% on Purchases for 9 months 16.9% Typical APR (Variable) 28% on Cash advances No annual fee 18 years Minimum age £10000 p.a. Minimum income
Royal Bank of Scotland Gold	8.9%	Our expert says: "Available only for existing RBS current account customers"
Egg Money World MasterCard	8.9%	N/A	0%	17.8%	Yes	Egg Money World MasterCard 8.9% on Balance transfers until repaid (BT fee 0%) 17.8% Typical APR (Variable) 21.9% on Cash advances £12 Annual fee 18 years Minimum age

Everything you need to know about balance transfer credit cards

What is a balance transfer credit card?

Credit cards aren't only for spending on. A number of providers offer allow you to move over debts from other credit or store cards - and in some instances even an overdraft. This is called a balance transfer and there are a whole host of credit cards offering preferential interest rates - some as low as 0% - on balance transfers.

With many standard annual percentage rates on credit cards being in excess of 16% - higher in the case of store cards - a balance transfer credit card can therefore be a great way of reducing the cost of your existing debt, or debts.

Benefits

If you have several credit cards, then one benefit of switching all your debts to one balance transfer card is that it will be easier to keep on top of your payments, and how much you owe.

The main advantage, however, has to be paying less interest on your borrowings. Those with good credit ratings can even find cards offering 0% for up to 16 months.

Negatives

The majority of credit cards now charge a balance transfer fee, which is a percentage of the amount of debt you need to switch to the card. This fee ranges from 2.5% to 3% of the balance transferred and need to be taken into account alongside the interest rate before signing up to a deal. That said, if you are currently paying an interest rate of 16% or so, this fee is well worth paying.

However, bear in mind that the leading balance transfer credit card deals will only be available to those with squeaky clean credit histories. So if you are currently juggling debts and are looking to transfer them onto a cheaper credit card because you're struggling to keep up with your repayments, be warned, you may not qualify for the deal that initially catches your eye.

Alternatives

Rather than going for an interest-free balance transfer card, a long-term, low-rate balance transfer deal may be a better option - particularly if you have a large debt which will take longer to clear than the 0% terms available. This type of product is also known as a lifetime balance transfer card.

The other option is to take out a personal loan.

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