No-fee balance transfer

Save money on your existing credit card balances by transferring them to a new card with no balance transfer fee and great promotional rates. Compare the best deals at MoneySupermarket.

Featured no-fee balance transfer cards - sorted by introductory balance transfer rate

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 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 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 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 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. Exclusive

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

    Great for
    You can transfer a balance to this card with no fee
    You can use this card abroad with no fee
    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 to the one shown here, because this depends on your circumstances
    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).

No-fee balance transfer credit cards

If you are saddled with credit card debt that’s attracting sky-high rates of interest (even the average Annual Percentage Rate is more than 17% variable) the good news is that you can move it to another card that will charge 0% interest on that debt for a set period of time. The bad news however, is that it will usually cost you for the privilege – usually around 3% of the balance.

What are no-fee balance transfer cards?

However, there are no-fee balance transfer cards too. As it says on the tin, these are cards that allow you to transfer a balance onto a different card for no fee at all – although 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 no-fee balance transfer credit cards are there?

There is a sticking point with no-fee balance transfer cards however, which is that while it will cost you nothing to transfer the debt, the new card will charge interest. However, this will be a lot lower than the interest you are currently paying. It’s worth knowing though, that at the time of writing no card provider allows you to make a fee-free balance transfer and pay 0% on the debt.

What are the advantages of using no-fee balance transfer credit cards?

The main advantage of no-fee balance transfer cards, of course, is that you don’t pay for the transfer of 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.

The other advantage of no-fee balance transfer credit cards is that when your debt lands on the new card, the interest rates charged are much lower than the typical APR of around 17%. Some cards offer rates well under 10% so that’s all extra money to put towards your capital debt.

And, as no-fee balance transfer credit cards don’t offer any upfront 0% periods – after which APRs rocket back up to standard levels – there is less immediate pressure to clear the debt. As you are paying interest, obviously the quicker you can pay off the balance the better, but you can organise a sustained and realistic payment plan at the new lower rate of interest.

How can I find a no-fee balance transfer credit card?

You will want to make sure you get the right no-fee balance transfer credit card for you as there are several to choose from on the market. The only way to compare them all properly is to use a comparison website such as MoneySupermarket.

This way you can cross reference 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 informed decision.

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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