Compare Low Fee Balance Transfer Credit Cards

If you have a hefty balance on a credit card you can save money by transferring this to a card with a low balance transfer fee and more attractive interest rate. Compare the best deals at MoneySupermarket.

Featured low fee balance transfer cards - Ordered by balance transfer fee

Apply for the cards below today or search all balance transfer cards

  1. Great for
    You can transfer a balance to this card with no fee for the first 90 days
    You may be eligible to apply for this card even if you've already got another Halifax credit card. Excludes Student Credit Card customers, conditions apply
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    There's no balance transfer fee for the first 90 days. After that it goes up to 3%
    You can't transfer a balance from another card issued by Halifax

    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).

  2. Great for
    You’ll have to pay a 2% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund this in full, so the overall fee is 0%
    You can get your Experian credit score for free
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can’t transfer a balance from another card issued by Barclaycard

    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. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    If you're accepted, you'll get the interest rate and promotional period shown here
    You can transfer money to your current account and pay no interest for 24 months (you'll have to pay a 4% fee)
    But be aware that
    You must transfer a balance within the first 60 days to get the promotional offer
    You can't transfer a balance from another card issued by Virgin Money

    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).

  4. Great for
    You can transfer a balance to this card with no fee
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 90 days to get the promotional offer
    You're not eligible if you've applied for another Tesco Bank credit card in the last month

    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).

  5. 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

    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).

  6. Great for
    Earn 2 Nectar points for every £1 you spend on Sainsbury's shopping and fuel with this card. Earn 1 Nectar point per £5 elsewhere
    If you're accepted, you'll get the promotional interest-free period shown here
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You're not eligible if you've already got another Sainsbury's credit card

    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. Great for
    You can transfer a balance to this card with no fee for the first 90 days
    You may be eligible to apply for this card even if you've already got another Lloyds credit card
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    There's no fee to transfer a balance in the first 90 days. After that it goes up to 3%
    You can't transfer a balance from another card issued by Lloyds Bank

    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).

  8. Great for
    If you transfer a balance within the first 90 days, you won't have to pay a fee
    You 're eligible to apply for this card, even if you already have another Bank of Scotland card
    But be aware that
    At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
    There is no balance transfer fee for the first 90 days. After that it goes up to 3%
    You can't transfer a balance from another card issued by Bank of Scotland

    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).

  9. Great for
    You can transfer a balance to this card with no fee
    Opportunity to earn cashback through Retailers Offers once registered for Online or Mobile Banking
    But be aware that
    You must earn at least £7,500 a year to be eligible for this card

    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. Exclusive

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

    Great for
    You can transfer money to your current account and pay no interest for 15 months (you'll have to pay a 4% fee)
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can't transfer a balance from another card issued by MBNA

    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. Great for
    You can transfer a balance to this card with no fee
    You can use this card abroad with no commission charges
    But be aware that
    You might get a different interest rate or promotional period to the one shown here because this depends on your circumstances
    You must transfer a balance within the first 3 months to get the promotional offer
    You must have a Nationwide current account to be eligible for this card. If you don't have one you can apply for an account and this card at the same time

    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).

  12. Great for
    You can transfer a balance to this card with no fee
    You can earn £1 to spend abroad with no commission for every £5 you spend on your card in the UK
    But be aware that
    You might get a different interest rate or promotional period to the one shown here because this depends on your circumstances
    You must transfer a balance within the first 3 months to get the promotional offer
    You must earn at least £5,000 a year to be eligible for this card

    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. Great for
    You can transfer a balance to this card with no fee
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You're not eligible if you've applied for another Tesco Bank credit card in the last month
    You must earn at least £5,000 a year to be eligible for this card

    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. Great for
    Earn 1 Freedom point for every full £1 you spend, both in the UK and abroad (you'll have to pay a 2.99% fee on foreign currency transactions)
    Earn double points at all UK supermarkets, petrol stations and Transport for London
    You can get your Experian credit score for free
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You must earn at least £20,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative rate will be 21.9% APR (variable).

  15. 2016 SUPERS

    Winner of the Best Overall Provider

    Great for
    0% interest for the first 28 months on Balance Transfers
    0% interest on purchases for the first 3 months
    1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 Sep 2017 (terms and conditions apply)
    But be aware that
    Minimum balance transfer is £100 and is subject to your credit limit. APR and length of promotional period is subject to status.
    Balance transfer must be made within 90 days of account opening to benefit from the 0% offer
    You won't be able to transfer a balance that's already on a TSB card

    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).

  16. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    If you're accepted, you'll get the interest rate and promotional period shown here
    You can transfer money to your current account and pay no interest for 30 months (you'll have to pay a 4% fee)
    But be aware that
    You must transfer a balance within the first 60 days to get the promotional offer
    You can't transfer a balance from another card issued by Virgin Money

    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).

  17. Great for
    You’ll have to pay a 3.5% fee to transfer your balance. If you do it in the first 60 days, Barclaycard will refund 2.87%, so the overall fee is 0.63%
    You'll get access to pre-sale tickets to events before they go on general release
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can’t transfer a balance from another card issued by Barclaycard

    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).

  18. Nectar cardholders only

    Reduced balance transfer fee of 0.64% when you enter your Nectar card number during your application. Conditions apply, see T&Cs

    Great for
    0.64% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times)
    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
    You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.86% so the overall fee is 0.64%. 3% balance transfer fee afterwards (minimum £3 at all times)

    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. Great for
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 90 days to get the promotional offer. 0% interest rates apply from the day you open your account
    You're not eligible if you've applied for another Tesco Bank credit card in the last month

    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. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    If you're accepted, you'll get the interest rate and promotional period shown here
    You can transfer money to your current account and pay no interest for 32 months (you'll have to pay a 4% fee)
    But be aware that
    You must transfer a balance within the first 60 days to get the promotional offer
    You can't transfer a balance from another card issued by Virgin Money

    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).

  21. Great for
    0.69% balance transfer fee applies on transfers made within your first 3 months. 3% afterwards (minimum £3 at all times)
    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
    You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.81% so the overall fee is 0.69%. 3% balance transfer fee afterwards (minimum £3 at all times)

    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. Great for
    You may be eligible to apply for this card even if you've already got another Halifax credit card. Excludes Student Credit Card customers, conditions apply
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    The balance transfer fee is 0.7% for the first 90 days. After that it goes up to 3%
    You can't transfer a balance from another card issued by Halifax

    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).

  23. Great for
    The balance transfer fee is 0.8% for the first 90 days. After that it goes up to 3%
    You may be eligible to apply for this card even if you've already got another Lloyds credit card
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 90 days to get the promotional offer
    You can't transfer a balance from another card issued by Lloyds Bank

    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).

  24. Great for
    The balance transfer fee is 0.8% for the first 90 days. After that it goes up to 3%
    You're eligible to apply for this card, even if you already have another Bank of Scotland card
    But be aware that
    At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
    You must transfer a balance within the first 90 days to get the promotional offer
    You can't transfer a balance from another card issued by Bank of Scotland

    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).

  25. Great for
    Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
    You're eligible to apply for this card even if you've already got another Tesco Bank credit card
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You're not eligible if you've applied for another Tesco Bank credit card in the last month
    You must earn at least £5,000 a year to be eligible for this card

    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. Great for
    If you're accepted, you'll get the interest rate and promotional period shown here
    Earn 0.5% cashback on all purchases with opportunity to earn further cashback through Retailers Offers once registered for Online or Mobile Banking
    No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency. A cash withdrawal fee of 3% (minimum £3) applies
    But be aware that
    There is a £3 monthly fee
    You must have a gross annual income of £7,500 or more to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with a £3 monthly Fee your representative rate will be 21.7% APR (variable).

  27. Great for
    If you're accepted, you'll get 32 months at 0% on balance transfers, as long as you transfer the balance in the first 60 days
    But be aware that
    You'll have to pay a balance transfer fee of 1.4% or £5, whichever is higher
    You must transfer a balance within the first 60 days to get the promotional offer
    You must earn at least £8,500 a year to be eligible for this card

    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).

  28. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    If you're accepted, you'll get the interest rate and promotional period shown here
    You can transfer money to your current account and pay no interest for 34 months (you'll have to pay a 4% fee)
    But be aware that
    You must transfer a balance within the first 60 days to get the promotional offer
    You can't transfer a balance from another card issued by Virgin Money

    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).

What are low-fee balance transfer cards?

Alongside checking the rate on the card you’re moving your debt to, it’s worth taking note of the balance transfer fee. Low-fee balance transfer cards are those that allow you to transfer a balance onto a different card for small fee, of, say 1.5% or 2%. However, as with any balance transfer deal, you will not be able to do this if your existing card is from the same provider.

What types of low-fee balance transfer credit cards are there?

There is a range of cards on the market that enable you to do this. You may also benefit from a 0% period on your balance, so check the terms, and what interest rate you face on your debt, alongside any other perks the card may offer.

What are the advantages of using low-fee balance transfer credit cards?

The main benefit of low-fee balance transfer cards is that you pay less to transfer the debt. This is especially handy for those switching larger debts as the fees are charged on a percentage basis. If you were planning on switching £10,000 for example, a 3% balance transfer fee would cost a hefty £300, compared to £200 on a 2% fee, so it’s worth shopping around for a lower fee.

Another advantage of low-fee balance transfer credit cards is that when you transfer your debt to the new card, the interest rates charged may be much lower than the typical APR of around 17%, or even 0% for a period. This means you can plough all the extra money into reducing your capital debt.

After a 0% period, however, APRs will rise to standard levels. When you start to pay interest, the quicker you can pay off the balance the better.

How can I find a low-fee balance transfer credit card?

You will want to make sure you get the right low-fee balance transfer credit card for you as there are several to choose from on the market. You can compare these by using a comparison website such as MoneySupermarket.

By doing this you can compare the interest rates that will be charged on your debt as well as any other perks the cards may offer such as loyalty points, annual travel insurance and even music and make an sound choice.

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 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 ID and 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.

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

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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