|
Card
|
Balance Transfer |
Typical APR
(Variable)
|
Price for Risk
|
|
|
Rate
|
Duration
|
Fee
|
Virgin Credit Card
|
0% |
16 months |
2.98% |
16.6% |
No |
|
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"
|
Barclaycard Platinum
|
0% |
15 months |
2.9% |
15.9% |
No |
|
Our expert says: "A credit card with a low 15.9% APR plus 0% interest free on balance transfers for 15 months. ( 2.9% handling fee applies) and 0% interest on purchases for 3 months, both from account opening"
|
NatWest Platinum
|
0% |
15 months |
2.9% |
16.9% |
No |
|
Our expert says: "Available only for existing NatWest current account customers"
|
Royal Bank of Scotland Platinum
|
0% |
15 months |
2.9% |
16.9% |
No |
|
Our expert says: "Available only for existing RBS current account customers"
|
Egg Card
|
0% |
until 01/04/2011 |
3% |
16.9% |
Yes |
|
Our expert says: "One of the market-leading offers if you want to make a balance transfer: interest-free until 01/04/11, although you will pay a 3% transfer fee. The 0% offer on purchases is shorter at just three-months – you will pay the typical standard APR of 16.9% thereafter"
|
Barclaycard Gold
|
0% |
until March 2011 |
2.5% |
19.9% |
No |
|
Our expert says: "Great card if your credit score is ‘average’ rather than ‘excellent’. 0% on balance transfers until March 2011 although you will pay a 2.50% fee. If you transfer a balance on to the card, don’t use it for spending as well as you’ll be charged interest at 19.9% on purchases"
|
MBNA Platinum
|
0% |
13 months |
2.9% |
16.9% |
No |
|
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% |
16.9% |
No |
|
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. Purchases are 0% for 3 months, you will be charged the standard APR rate thereafter"
|
BT Credit Card
|
0% |
13 months |
3% |
16.9% |
No |
|
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"
|
AA Credit Card
|
0% |
until February 2011 |
2.99% |
16.9% |
No |
|
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 Feb 2011. Spend on motoring products and services, fuel and AA products are interest free until Feb 2011"
|
Post Office Platinum
|
0% |
12 months |
2.98% |
16.9% |
No |
|
bmi American Express Credit Card from MBNA
|
0% |
12 months |
3% |
15.9% |
No |
|
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. Purchases are 0% for 3 months, you will be charged the standard APR rate thereafter"
|
Sainsbury's Credit Card
|
0% |
10 months |
3% |
15.9% |
Yes |
|
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"
|
Halifax All In One
|
0% |
9 months |
3% |
15.9% |
Yes |
|
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)"
|
Lloyds TSB Airmiles Duo
|
0% |
6 months |
3% |
15.9% |
No |
|
Our expert says: "This rewards card enables you to collect Airmiles with your purchases and balance transfers which gives you one of the best Airmiles rewards schemes in the market, plus collect double Airmiles when you spend abroad"
|
MBNA Platinum Visa Credit Card
|
5.9% |
N/A |
2% |
16.9% |
No |
|
Our expert says: "Great option if you are looking for a long term balance transfer card. There is a 2.00% transfer fee but the annual rate of interest is just 5.9% on balance transfers made now until paid off. You will be charged the standard APR rate on purchases"
|