Compare Balance Transfer Credit Cards

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Find the cheapest card for you

Transfer your credit card balances to a 0% interest card.

See the best balance transfer cards that you can apply for today at MoneySuperMarket

In order to calculate the values below, we have made some assumptions about your card usage.

The results below assume:
  • You make fixed monthly repayments, always on time
  • You don't add any other new debt onto the card
  • Once the cheap promotional period ends, you don't switch again
Tell us your TOTAL credit card balance and how much you can afford to repay each month

Please increase your monthly payment - at the current level it would take more than 10 years to clear your balance

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  1. Fees + interest: £23
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 32 months balance transfer offer Then 18.9% 0.72% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Barclaycard Platinum 32 months Balance Transfer

    • 0% on purchases for 6 months
    No annual fee
    Great for
    Manage your account using the My Barclaycard app, or online account servicing
    You’ll get access to pre-sale tickets to the latest events before they go out on general release
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 2.78%, so the effective fee is 0.72%
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 21 years
    • Minimum income: £20,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  2. Fees + interest: £24
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 30 months balance transfer offer Then 18.9% 0.59% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money 30 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Transferring money to your current account with 0% interest for 30 months (4% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Fees + interest: £32
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 32 months balance transfer offer Then 18.9% 0.99% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Transferring money to your current account with 0% interest for 32 months (4% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  4. Fees + interest: £36
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 32 months balance transfer offer Then 18.94% 1.13% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Lloyds Bank Low Fee Balance Transfer Offer Credit Card

    • 0% on purchases for 12 months
    No annual fee
    Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    You’ll be charged a 3% fee, but transfer a balance within 90 days and Lloyd's Bank will refund 1.87%, so the effective fee is 1.13%
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period and Fee applies to transfers made in the first 90 days
    You cannot transfer a balance from another Lloyd's Bank card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Fees + interest: £36
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 32 months balance transfer offer Then 18.95% 1.13% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Bank of Scotland Low Fee Balance Transfer Offer Credit Card

    • 0% on purchases for 12 months
    No annual fee
    Great for
    If you already have a Bank of Scotland card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    You’ll be charged a 3% fee, but transfer a balance within 90 days and Bank of Scotland will refund 1.87%, so the effective fee is 1.13%
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 90 days
    You cannot transfer a balance from another Bank of Scotland card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Fees + interest: £36
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 32 months balance transfer offer Then 18.95% 1.13% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Halifax Low Fee Balance Transfer Offer

    • 0% on purchases for 12 months
    No annual fee
    Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    3% fee applies, but is reduced to 1.13% by a refund for balances transferred within the first 90 days of account opening
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  7. Fees + interest: £36
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 28 months balance transfer offer Then 20.626% 0.59% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Tesco Bank Clubcard Credit Card for Balance Transfers

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The 0% offer is applied to any balances or money transferred within the first 90 days of account opening.
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £5,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  8. Fees + interest: £37
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 32 months balance transfer offer Then 20.9% 1.14% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Exclusive

    You won't get this card on any other comparison site

    MBNA Platinum Credit Card

    • 18.9% on purchases
    No annual fee
    Great for
    Transferring money to your current account with 0% interest for 24 months (1.99% fee applies)
    Eligibility check: Find out if you are eligible before applying for this card
    Contactless payments for items up to £30
    But be aware that
    Please be aware that if you haven’t been pre-approved the APR and length of the promotional offer may vary and it is dependent on your personal circumstances
    You cannot transfer a balance from another MBNA card
    The promotional BT, MT period and Fee applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  9. Fees + interest: £38
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 28 months balance transfer offer Then 18.9% 0.69% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Barclaycard Platinum 28 Months

    • 0% on purchases for 6 months
    No annual fee
    Great for
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 2.81%, so the effective fee is 0.69%
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £20,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  10. Fees + interest: £45
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 32 months balance transfer offer Then 18.9% 1.4% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    HSBC Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    No interest on balance transfers for 32 months
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR of the promotional offer is dependent on your personal circumstances
    The promotional BT and MT period applies to transfers made in the first 60 days
    You cannot transfer a balance from a HSBC Group card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £8,500
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  11. Fees + interest: £47
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 34 months balance transfer offer Then 18.9% 1.49% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money 34 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Transferring money to your current account with 0% interest for 34 months (4% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  12. Fees + interest: £54
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 30 months balance transfer offer Then 18.95% 1.5% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Sainsbury's Bank Nectar Low Balance Transfer Fee Credit Card

    • 0% on purchases for 6 months
    No annual fee
    Great for
    1.5% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3)
    5,000 bonus Nectar points when you spend £800 on Sainsbury's shopping or fuel in the first three months with your Sainsbury's Bank Credit Card. Apply by 27th September 2016
    If your application is approved you are guaranteed to get the 0% interest period advertised
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You cannot transfer a balance from another Sainsbury's Credit Card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  13. Fees + interest: £54
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 32 months balance transfer offer Then 18.9% 1.69% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money 32 Month Money Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Transferring money to your current account with 0% interest for 32 months (1.69% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  14. Fees + interest: £59
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 24 months balance transfer offer Then 19.9% 0% fee on transferred balances
    19.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Limited offer

    0% on Balance Transfers for 24 months. Offer ends 15th June 2016. T&Cs apply

    AA Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    No fee to transfer a balance
    0% for 3 months on purchases
    Manage your account on the go with the AA Credit Card app
    But be aware that
    The promotional balance transfer period applies to transfers made in the first 3 months. Must transfer at least £500 for 24 month 0% period, otherwise 22 month 0% period applies
    The APR is dependent on your personal circumstances
    You cannot transfer a balance from another credit card issued by Bank of Ireland

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  15. Fees + interest: £63
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 36 months balance transfer offer Then 18.9% 1.99% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money 36 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Transferring money to your current account with 0% interest for 36 months (4% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  16. Fees + interest: £71
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 23 months balance transfer offer Then 18.9% 0% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Barclaycard Platinum 23 Months

    • 0% on purchases for 6 months
    No annual fee
    Great for
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund this in full, so the effective fee is 0%
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 21 years
    • Minimum income: £20,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  17. Fees + interest: £71
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 23 months balance transfer offer Then 18.95% 0% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Halifax 0% Balance Transfer Fee Offer

    • 0% on purchases for 6 months
    No annual fee
    Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    No fee to transfer a balance
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  18. Fees + interest: £73
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 36 months balance transfer offer Then 18.9% 2.3% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Barclaycard Platinum 3 year Balance Transfer

    • 0% on purchases for 6 months
    No annual fee
    Great for
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 1.20%, so the effective fee is 2.30%
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 21 years
    • Minimum income: £20,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  19. Fees + interest: £78
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 37 months balance transfer offer Then 18.9% 2.45% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Barclaycard Platinum Credit Card with Extended Balance Transfer

    • 0% on purchases for 6 months
    No annual fee
    Great for
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 1.05%, so the effective fee is 2.45%
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 21 years
    • Minimum income: £20,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  20. Fees + interest: £79
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 39 months balance transfer offer Then 20.9% 2.47% fee on transferred balances
    20.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money 39 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Transferring money to your current account with 0% interest for 39 months (4% fee applies)
    If approved, you will get the advertised offer
    The initial balance transfer fee is 3.5%, but transfer a balance within 60 days and Virgin Money will refund 1.03%, so the effective fee is 2.47%
    But be aware that
    You cannot transfer balances between other accounts issued by Virgin Money
    The promotional period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).

  21. Fees + interest: £79
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 39 months balance transfer offer Then 18.95% 2.48% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Halifax Balance Transfer Credit Card

    • 0% on purchases for 6 months
    No annual fee
    Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    2.48% effective fee applies on each balance transfer made in the first 90 days (3.0% fee applies, but is reduced to 2.48% by a refund)
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The refund applies for balance transfers in the first 90 days from account opening, after which a 3% fee applies for each balance transfer
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  22. Fees + interest: £79
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 38 months balance transfer offer Then 20.626% 2.49% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Tesco Bank Clubcard Credit Card for Balance Transfers and Money Transfers

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    If approved you will be offered 0% for 38 months from account opening
    You can still apply even if you have a Tesco Bank Credit Card already
    But be aware that
    The 0% offer is applied to any balances or money transferred within the first 90 days of account opening
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £5,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  23. Fees + interest: £79
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 37 months balance transfer offer Then 18.9% 2.49% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Post Office Money Balance Transfer Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    0% interest on balance transfers for 37 months
    2.98% Balance Transfer Fee applies, but is reduced to 2.49% by a refund within 90 days of the balance transfer transaction date
    No cash fee to buy travel money at the Post Office
    But be aware that
    You must earn over £8,000 a year
    The APR and length of the promotional offer are dependent on your personal circumstances
    Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £8,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  24. Fees + interest: £83
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 22 months balance transfer offer Then 17.8% 0% fee on transferred balances
    17.8% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Post Office Money Platinum Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    No balance transfer fee
    0 % on balance transfers for 22 months
    No fees on purchases overseas & no cash fee to buy travel money at the Post Office
    But be aware that
    You must earn over £8,000 a year
    The APR is dependent on your personal circumstances
    Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £8,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 17.8% p.a. (variable) your representative rate will be 17.8% APR (variable).

  25. Fees + interest: £86
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 40 months balance transfer offer Then 20.626% 2.69% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Limited offer

    0% for 40 months on Balance Transfers and Money Transfers - Offer ends 7th July 2016

    Tesco Bank Clubcard Credit Card for Balance Transfers and Money Transfers

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
    If approved you will be offered 0% for 40 months from account opening
    You can still apply even if you have a Tesco Bank Credit Card already
    But be aware that
    The 0% offer is applied to any balances or money transferred within the first 90 days of account opening
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £5,000
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  26. Fees + interest: £92
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 40 months balance transfer offer Then 18.95% 2.89% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Limited offer

    0% interest for 40 months on balance transfers & 5,000 bonus Nectar points offer - ends 21st June 2016

    Sainsbury's Bank Nectar Long Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    5,000 bonus Nectar points when you spend £800 on Sainsbury's shopping or fuel in the first three months with your Sainsbury's Bank Credit Card. 40 month Balance Transfer and Bonus points offer ends 21st June 2016
    2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
    If your application is approved you are guaranteed to get the 0% interest period advertised
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    Reduced 2.89% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times)

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  27. Fees + interest: £94
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 39 months balance transfer offer Then 18.94% 2.95% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Lloyds Bank Platinum 39 Month Balance Transfer Card

    • 0% on purchases for 6 months
    No annual fee
    Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    You’ll be charged a 3% fee, but transfer a balance within 90 days and Lloyd's Bank will refund 0.05%, so the effective fee is 2.95%
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period and Fee applies to transfers made in the first 90 days
    You cannot transfer a balance from another Lloyd's Bank card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  28. Fees + interest: £94
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 39 months balance transfer offer Then 18.95% 2.95% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Bank of Scotland Balance Transfer Credit Card

    • 0% on purchases for 6 months
    No annual fee
    Great for
    If you already have a Bank of Scotland card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    You’ll be charged a 3% fee, but transfer a balance within 90 days and Bank of Scotland will refund 0.05%, so the effective fee is 2.95%
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 90 days
    You cannot transfer a balance from another Bank of Scotland card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  29. Fees + interest: £95
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 40 months balance transfer offer Then 20.9% 2.98% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    MBNA Platinum Credit Card

    • 18.9% on purchases
    No annual fee
    Great for
    0% interest on balance transfers for 40 months (2.98% fee applies)
    Transferring money to your current account with 0% interest for 20 months (4% fee applies)
    Eligibility check: Find out if you are eligible before applying for this card
    But be aware that
    Please be aware that if you haven’t been pre-approved the APR and length of the promotional offer may vary and it is dependent on your personal circumstances
    You cannot transfer a balance from another MBNA card
    The promotional BT, MT period and Fee applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  30. Fees + interest: £99
    Debt repaid in:
    33 months  

    The total cost includes any balance transfer fees you pay when you move your debt, plus any interest you would pay after the 0% period ends. If you switch again at the end of the 0% period, you would avoid this interest.

    As we know your monthly payment, we can work out how many months it would take you to repay the original balance. This will change if you alter your monthly payment, or add any extra spending or balance transfers to the card.

    0% 24 months balance transfer offer Then 20.9% 1% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Virgin Money All Round Credit Card

    • 0% on purchases for 24 months
    No annual fee
    Great for
    Transferring money to your current account with 0% interest for 24 months (1.9% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer a balance from another Virgin Credit Card
    The promotional period applies to transfers made in the first 60 days

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: -
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Balance transfer guide

Think of a credit card and you think of a flexible form of payment, perfect for a shopping spree. But credit cards are not all about spending. If you make the right choice, a credit card can also help you to manage your debts and save money on your interest payments.
 

Let’s face it, many of us have run up debts on several credit and store cards. What’s more, they could be costing us a fortune in interest. The typical rate on some store cards is as high as 30%.
 

Cut the cost of debts

But there is a way to cut the cost of your debts – with a balance transfer card. You simply switch the outstanding balance on your high-rate credit cards to a cheaper balance transfer deal. You could easily chop the interest payments in half, or even down to zero with a 0% balance transfer card.
 

The card issuer will set a limit on the amount that you can transfer, but you can switch debts from any number of cards as long as you remain within the limit – which might, for example, be 95% of your agreed credit limit on the new card.
 

0% balance transfer cards

Let’s say you have built up debts of £1000 on a credit card at 18% and £500 on a store card at 24%. If you transfer the total £1500 to a card that charges 0% for 12 months, you would pay no interest for a year. If you clear the debt before the 0% period expires, the balance transfer card works like an interest-free loan.
 

It’s a good idea to set up a direct debit to make the necessary payments. You can then be sure to pay off the outstanding balance in time. And don’t forget to cut up your expensive credit cards once you’ve cleared the respective balances. Otherwise, you might be tempted to go on a spending spree and run up more debts!
 

Balance transfer fee

Most balance transfer cards charge a fee of between 2% and 3% of the amount you transfer. So, if you switch a balance of £1500, you could pay a fee of up to £45. But don’t let the fee put you off. In many cases, you can more than make up for the cost in the amount you save in interest.
 

Some balance transfer cards offer good deals on purchases as well as balance transfers, so you can also spend on the card. But you should check the terms and conditions. A card might, for example, charge 0% on balance transfers for 12 months, but 0% on purchases for only three months. You therefore have to manage your money carefully.  
 

It often works out better to take out two separate cards, one for balance transfers and one for purchases. That way, you can take full advantage of the best deals on the market and make the best savings. Remember, though, that card firms are fussy about their customers, reserving the best deals for applicants with a high credit score.
 

You also will not be able to transfer to a balance transfer card offered by the same firm with which you have your current card.
 

Penalty charges

Watch out for charges on balance transfer cards. You do not normally have to pay an annual fee, but you will have to pay a penalty if you are late with a payment, miss a payment, or breach your limit. Of course, if you mismanage your account, you could also damage your credit rating.
 

There are a number of balance transfer credit cards on the market, but it’s easy to compare the best balance transfer deals with MoneySupermarket’s free independent comparison service.  It’s a quick and easy way to find the right card for you that'll save you money.
 

We're free and independent, as well as offering exclusive deals you can't get anywhere else.
 

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

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