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
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    No fee to transfer a balance within the first 90 days
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    3% fee applies on balance transfers made after the first 90 days
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax 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).

  2. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Great for
    Transferring money to your current account with 0% interest for 24 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

    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).

  3. 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
    This offer is applied to any balances transferred within the first 90 days of opening your account
    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

    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. Great for
    Maximum £3 cashback per month per category: Supermarkets (1%) on spend up to £300, Department stores (2%) on spend up to £150 & Transport (3%) on combined spend up to £100
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    There is a £3 monthly fee - the first six months are refunded for new and existing 1|2|3 Santander current account customers
    You must have an income of £7,500 per year or more

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.7% p.a. (variable) with a £3 monthly Fee your representative rate will be 18.4% APR (variable).

  5. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    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

    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).

  6. 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. Apply by 29th December 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
    0% balance transfer fee applies on transfers made within your first 3 months. 3% afterwards (minimum £3)

    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
    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
    Access to Lloyds Bank Money Manager & Lloyds Bank ClickSafe security
    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 Lloyd's Bank 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).

  8. 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
    The standard 3% balance transfer fee is reduced to 0% for balances transferred within 90 days of account opening
    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

    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
    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
    The APR and length of the promotional offer are dependent on your personal circumstances. You must have an income of £7,500 per year or more

    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. Great for
    Unlimited commission-free purchases abroad
    0% for 12 months on balance transfers and purchases
    But be aware that
    When chance of approval is shown it is the likelihood of acceptance for a credit card, not the rate shown. Your rate may vary from the representative rate as it’s based on your individual circumstances and you qualifying as a main current account customer
    The promotional BT period applies to transfers made in the first 3 months
    You cannot transfer a balance from another Nationwide Credit Card

    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).

  11. Great for
    0% for 12 months on balance transfers and purchases
    Earn commission free purchases abroad - £1 of commission free allowance per £5 spent in a month (UK, Sterling)
    Access to exclusive rewards
    But be aware that
    When chance of approval is shown, it is for the likelihood of acceptance for a credit card, not the rate shown. Your rate may vary from the representative rate advertised as it is based on your individual circumstances
    The promotional BT period applies to transfers made in the first three months
    You cannot transfer a balance from another Nationwide Credit 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).

  12. 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 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

    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).

  13. Limited offer

    Receive 7,000 bonus Freedom points worth £20 when you spend at least £500 or make a balance transfer of at least £500 within 60 days. Conditions apply, see T&Cs. Offer ends 5th October

    Great for
    One Freedom point for every pound you spend, both at home and abroad (please note – a non-Sterling transaction fee of 2.99% applies to foreign currency transactions)
    Earn double points at all UK supermarkets, petrol stations and Transport for London
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    You cannot transfer a balance from another Barclaycard
    The APR is dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days

    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).

  14. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    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
    The initial balance transfer fee is 3.00%, but transfer a balance within 60 days and Virgin Money will refund 2.41%, so the effective fee is 0.59%
    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

    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. 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

    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. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    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 2.82%, so the effective fee is 0.68%
    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

    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. 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
    0.7% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days
    But be aware that
    The APR is dependent on your personal circumstances
    You cannot transfer a balance from another Halifax 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).

  18. 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
    3% fee applies, but is reduced to 0.8% 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
    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

    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).

  19. 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
    3% fee applies, but is reduced to 0.8% 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
    The promotional BT period applies to transfers made in the first 90 days
    You cannot transfer a balance from another Bank of Scotland 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).

  20. 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 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

    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).

  21. Exclusive

    Receive £30 when you successfully apply. You cannot apply for this offer anywhere else. Conditions apply, see T&Cs. Ends 28th October

    Great for
    Receive £30 when you apply and complete either a balance transfer or a minimum of three transactions using Apple Pay or Android Pay within 60 days of account opening. T&Cs apply
    If your application is approved you are guaranteed to get 32 months on balance transfers at 0%
    But be aware that
    The APR of the promotional offer is dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days
    You cannot transfer a balance from a HSBC Group 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).

  22. 2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    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
    The initial balance transfer fee is 3.00%, but transfer a balance within 60 days and Virgin Money will refund 1.51%, so the effective fee is 1.49%
    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

    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).

  23. Nectar cardholders only

    Reduced balance transfer fee of 0.69% when you enter your Nectar card number during your application. Conditions apply, see T&Cs

    Great for
    0.69% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times)
    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 29th December 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 must enter your Nectar card number when you apply
    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).

  24. Great for
    1.5% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times)
    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 29th December 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

    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. Exclusive

    You won't find this card on any other comparison site. Offer ends 30th September 2016

    Great for
    Transferring money to your current account with 0% interest for 25 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

    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).

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.

Close

Cookie use

We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our 

Cookie Policy .

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less

Close