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
    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. Exclusive

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

    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
    No fee to use anywhere worldwide
    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).

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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