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: £87
    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 2.69% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Exclusive

    Not available 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 (2.69% fee applies, minimum £3)
    Contactless payments for items up to £20
    But be aware that
    The product, APR and promotional offer are dependent on your personal circumstances
    You cannot transfer balances between MBNA accounts
    There is no promotional offer on purchases

    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).

  2. Fees + interest: £89
    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% 33 months balance transfer offer 2.79% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Barclaycard Platinum Credit Card with Balance Transfer

    • 0% on purchases for 9 months
    No annual fee
    Great for
    3.5% fee applies, but is reduced to 2.79% by a refund
    You can simply ‘wave and pay’ with Barclaycard – handy if you are someone who’s always on the go
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a Barclaycard

    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).

  3. Fees + interest: £89
    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% 33 months balance transfer offer 2.8% 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
    3.0% fee applies, but is reduced to 2.8% by a refund
    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: -
    • 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).

  4. Fees + interest: £91
    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% 33 months balance transfer offer 2.85% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Lloyds Bank Platinum 33 Month Balance Transfer Card

    • 0% on purchases for 6 months
    No annual fee
    Great for
    3.0% fee applies, but is reduced to 2.85% by a refund
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Lloyds Bank credit card
    You won’t be able to transfer a balance that’s already on a Lloyds Bank Credit 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 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Fees + interest: £91
    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% 33 months balance transfer offer 2.85% 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
    3.0% fee applies, but is reduced to 2.85% by a refund
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Bank of Scotland credit card
    You won’t be able to transfer a balance that’s already on a Bank of Scotland Credit 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: £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% 33 months balance transfer offer 2.89% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Alternative long 0% balance transfer deal with Nectar points collected on your spend

    Sainsbury's Nectar Balance Transfer Credit Card

    • 0% on purchases for 6 months
    No annual fee
    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    If accepted the APR and length of offer will be as stated
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit 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).

  7. 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% 33 months balance transfer offer 2.9% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2014 SUPERS

    Winner of our Best Credit Card Provider award 2014

    Tesco Bank Clubcard Credit Card for balance transfers

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    If accepted, the length of promotional offer will be as stated
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    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: £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% 34 months balance transfer offer 2.99% 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 9 months
    No annual fee
    Great for
    3.5% fee applies, but is reduced to 2.99% by a refund
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a Barclaycard

    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).

  9. Fees + interest: £102
    Debt repaid in:
    34 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 1.25% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Barclaycard Platinum 24 Months

    • 0% on purchases for 6 months
    No annual fee
    Great for
    2% fee applies but is reduced to 1.25% by a refund
    But be aware that
    The APR you get is subject to status, so may vary

    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).

  10. Fees + interest: £105
    Debt repaid in:
    34 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 3.3% 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
    home&Away Privilege Programme
    If accepted, the length of the promotional offer will be as stated
    Manage your card online using Online Banking and Mobile Banking
    But be aware that
    You cannot transfer a balance from a HSBC Group card
    The APR is dependent on your personal circumstances

    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: £108
    Debt repaid in:
    34 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% 29 months balance transfer offer 2.9% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Fluid Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Eligibility Check: Find out if you are eligible before applying for this card
    Contactless payments for items up to £20
    Transferring money to your current account (4% fee applies)
    But be aware that
    You cannot transfer balances between MBNA accounts
    The product, APR and promotional offer are dependent on your personal circumstances

    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: £115
    Debt repaid in:
    34 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% 26 months balance transfer offer 2.4% fee on transferred balances
    17.9% APR(variable) representative
    Your chance of approval

    Nationwide Building Society Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Earn commission free purchases abroad - £1 of commission free allowance per £5 spent in a month (UK, Sterling)
    But be aware that
    You won’t be able to transfer a balance that’s already on a Nationwide credit card
    The APR you get is subject to status, so may vary

    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 17.9% p.a. (variable) your representative rate will be 17.9% APR (variable).

  13. Fees + interest: £117
    Debt repaid in:
    34 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 2.9% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    AA Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Contactless payments for items up to £20
    Transferring money to your current account (4% fee applies, minimum £3)
    But be aware that
    You cannot transfer a balance from another MBNA or Virgin 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 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  14. Fees + interest: £118
    Debt repaid in:
    34 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 3% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval

    TSB Platinum 28 Month Balance Transfer Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    0% interest for the first 28 months of balance transfers
    0% interest on purchases for the first three months
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a TSB 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 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  15. Fees + interest: £119
    Debt repaid in:
    34 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 0% fee on transferred balances
    16.5% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Santander 123 Credit Card

    • 0% on purchases for 23 months
    Annual fee of £24 applies
    Great for
    Earning monthly cashback on your everyday spending. 3% cashback on fuel, National Rail and TfL, 2% cashback at department stores and 1% cashback at supermarkets
    1|2|3 Current Account holders existing and new: Receive a refund of your first years annual fee on this card
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    There is a £24 annual fee - refunded for the first year for existing 1|2|3 Santander current account customers

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £7,500
    • Available to new customers only

    Representative Example:   If you spend £1,200 at a purchase interest rate of 12.7% p.a. (variable) with a £24 annual Fee your representative rate will be 16.5% APR (variable).

  16. Fees + interest: £120
    Debt repaid in:
    34 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% 25 months balance transfer offer 1.99% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2014 SUPERS

    Winner of our Best Credit Card Provider award 2014

    Tesco Bank Clubcard Credit Card for balance transfers

    • 0% on purchases for 3 months
    No annual fee
    Great for
    A balance transfer fee of 1.99%
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    If accepted, the length of promotional offer will be as stated
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    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).

  17. Fees + interest: £165
    Debt repaid in:
    34 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% 21 months balance transfer offer 1.5% fee on transferred balances
    15.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    MBNA Everyday Card

    • 0% on purchases for 15 months
    No annual fee
    Great for
    A low 15.9% p.a. variable on card purchases after the promotional period
    Low balance transfer fee of 1.5%
    Transfer money to your current account
    But be aware that
    You cannot transfer balances between MBNA accounts

    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 15.9% p.a. (variable) your representative rate will be 15.9% APR (variable).

  18. Fees + interest: £231
    Debt repaid in:
    35 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% 19 months balance transfer offer 2% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Halifax All in One

    • 0% on purchases for 16 months
    No annual fee
    Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR you get is subject to status, so may vary

    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).

  19. Fees + interest: £267
    Debt repaid in:
    35 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% 15 months balance transfer offer 0% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Santander Credit Card

    • 0% on purchases for 15 months
    No annual fee
    Great for
    0% for 15 months on purchases and balance transfers
    No fee to transfer a balance
    But be aware that
    You cannot transfer a balance from another Santander card

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £7,500
    • 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).

  20. Fees + interest: £279
    Debt repaid in:
    35 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% 15 months balance transfer offer 0.65% fee on transferred balances
    17.9% APR(variable) representative
    Your chance of approval

    Nationwide Building Society Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Rewards for Abroad feature
    Access to exclusive rewards
    But be aware that
    The APR you get is subject to status, so may vary

    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 17.9% p.a. (variable) your representative rate will be 17.9% APR (variable).

  21. Fees + interest: £285
    Debt repaid in:
    35 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% 15 months balance transfer offer 0.8% fee on transferred balances
    17.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Halifax 15 Month Balance Transfer and Purchase

    • 0% on purchases for 15 months
    No annual fee
    Great for
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Halifax credit card
    You cannot transfer a balance from another Halifax 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 17.95% p.a. (variable) your representative rate will be 17.9% APR (variable).

  22. Fees + interest: £285
    Debt repaid in:
    35 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% 15 months balance transfer offer 0.8% fee on transferred balances
    17.9% APR(variable) representative
    Your chance of approval

    TSB Platinum 15 Month Balance Transfer Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    0% interest for the first 15 months on balance transfers
    0% interest on purchases for the first three months
    But be aware that
    The APR you get is subject to status, so may vary
    You won't be able to transfer a balance that's already on a TSB 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 17.95% p.a. (variable) your representative rate will be 17.9% APR (variable).

  23. Fees + interest: £315
    Debt repaid in:
    36 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.

    6.5% balance transfer offer 0% fee on transferred balances
    6.6% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    MBNA Low Rate Credit Card

    • 6.5% on purchases
    No annual fee
    Great for
    A simple, low rate for balance transfers and purchases - 6.5% p.a. (variable)
    But be aware that
    The APR you get is subject to status, so may vary

    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 6.5% p.a. (variable) your representative rate will be 6.6% APR (variable).

  24. Fees + interest: £331
    Debt repaid in:
    36 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% 15 months balance transfer offer 0.85% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2014 SUPERS

    Winner of our Best Credit Card Provider award 2014

    Tesco Bank Clubcard Credit Card with a 0.85% BT Fee

    • 0% on purchases for 15 months
    No annual fee
    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    If accepted, the length of promotional offer will be as stated
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    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).

  25. Fees + interest: £403
    Debt repaid in:
    37 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% 12 months balance transfer offer 0.5% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Low balance transfer fee plus earn Nectar points on your spend

    Sainsbury's Nectar Low BT Fee Credit Card

    • 0% on purchases for 12 months
    No annual fee
    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    If accepted the APR and length of offer will be as stated
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit 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).

  26. Fees + interest: £421
    Debt repaid in:
    37 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% 12 months balance transfer offer 0% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Tesco Bank Clubcard Credit Card with No Fee

    • 0% on purchases for 12 months
    No annual fee
    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    If accepted, the length of promotional offer will be as stated
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    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).

  27. Fees + interest: £490
    Debt repaid in:
    37 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% 10 months balance transfer offer 0.4% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Lloyds Bank Platinum Purchase Card

    • 0% on purchases for 10 months
    No annual fee
    Great for
    3% fee applies, but is reduced to 0.4% by a refund
    But be aware that
    You cannot transfer a balance from another Lloyds Bank card
    APR is subject to status

    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 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  28. Fees + interest: £581
    Debt repaid in:
    38 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% 10 months balance transfer offer 0.35% fee on transferred balances
    19.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Fluid Low Fee Balance Transfer

    • 0% on purchases for 3 months
    No annual fee
    Great for
    Eligibility check allows you to find out if you are eligible before applying for this card
    Low balance transfer fee of 0.35%
    But be aware that
    The product, APR and promotional offer are dependent on your personal circumstances
    You cannot transfer balances between MBNA accounts

    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).

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, independent and compare all UK credit cards 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 to 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’ve 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
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.

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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