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. Cost to you: £20
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.9% 0.63% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Barclaycard Platinum 32 Months Balance Transfer

    • 0% on purchases for 6 months
    No annual fee
    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

    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).

  2. Cost to you: £20
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.95% 0.64% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    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

    Sainsbury's Bank Nectar 33 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    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)

    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 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Cost to you: £21
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 20.9% 0.64% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Exclusive

    You won't get this card 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 (4% fee applies)
    Eligibility check: Find out if you are eligible before applying for this card
    Contactless payments for items up to £30
    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

    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).

  4. Cost to you: £21
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 20.626% 0.65% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Tesco Bank Clubcard Credit Card for Balance Transfers

    • 0% on purchases for 3 months
    No annual fee
    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

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £5,000

    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. Cost to you: £21
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 19.9% 0.66% fee on transferred balances
    19.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    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

    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 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  6. Cost to you: £22
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.95% 0.69% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Sainsbury's Bank 33 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    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)

    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 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  7. Cost to you: £23
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.95% 0.7% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Halifax Low Fee Balance Transfer Offer

    • 0% on purchases for 12 months
    No annual fee
    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

    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 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  8. Cost to you: £24
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 30 months balance transfer offer Then 19.9% 0.59% fee on transferred balances
    19.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money 30 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    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

    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 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  9. Cost to you: £26
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.94% 0.8% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Lloyds Bank Low Fee Balance Transfer Offer Credit Card

    • 0% on purchases for 12 months
    No annual fee
    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

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

  10. Cost to you: £26
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.95% 0.8% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Bank of Scotland Low Fee Balance Transfer Offer Credit Card

    • 0% on purchases for 12 months
    No annual fee
    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

    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).

  11. Cost to you: £32
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.94% 0.5% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of the Best Overall Provider

    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 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

    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).

  12. Cost to you: £37
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 20.9% 1.14% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    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 (1.99% fee applies)
    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 promotional BT, MT period and Fee applies to transfers made in the first 60 days
    You can't transfer a balance from another card issued by MBNA

    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).

  13. Cost to you: £44
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.95% 0% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Halifax 0% Balance Transfer Fee Offer

    • 0% on purchases for 6 months
    No annual fee
    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

    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 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  14. Cost to you: £45
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.9% 1.4% 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
    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

    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).

  15. Cost to you: £46
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 37 months balance transfer offer Then 18.9% 1.44% 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 6 months
    No annual fee
    Great for
    You’ll have to pay a 3.5% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund 2.06%, so the overall fee is 1.44%
    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

    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).

  16. Cost to you: £46
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 37 months balance transfer offer Then 20.9% 1.45% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Exclusive

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

    MBNA Platinum Credit Card

    • 18.9% on purchases
    No annual fee
    Great for
    You can transfer money to your current account and pay no interest for 20 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

    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).

  17. Cost to you: £48
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 19.9% 1.49% fee on transferred balances
    19.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money 34 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    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

    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 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  18. Cost to you: £48
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 35 months balance transfer offer Then 18.95% 1.5% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Sainsbury's Bank 35 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    1.5% 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. 3% balance transfer fee afterwards (minimum £3 at all times)

    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 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  19. Cost to you: £57
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 18.9% 0% 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
    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

    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).

  20. Cost to you: £60
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 19.9% 0% fee on transferred balances
    19.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    2016 SUPERS

    Winner of Best Credit Card Provider for 'Existing Debt'

    Virgin Money No Balance Transfer Fee Credit Card

    • 0% on purchases for 3 months
    No annual fee
    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

    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 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  21. Cost to you: £62
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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 Then 20.626% 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 0% Balance Transfer Fee

    • 0% on purchases for 1 month
    No annual fee
    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

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £5,000

    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. Cost to you: £62
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 40 months balance transfer offer Then 18.94% 1.94% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Lloyds Bank Platinum 40 Month Balance Transfer Card

    • 0% on purchases for 6 months
    No annual fee
    Great for
    You'll have to pay a 3% fee to transfer a balance to this card. If you do it in the first 90 days, Lloyds Bank will refund 1.06%, so the overall fee is 1.94%
    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

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

  23. Cost to you: £62
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 40 months balance transfer offer Then 18.95% 1.94% 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
    You 're eligible to apply for this card, even if you already have another Bank of Scotland card
    You’ll have to pay a 3% fee to transfer a balance to this card. If you do it in the first 90 days, Bank of Scotland will refund 1.06%, so the overall fee is 1.94%
    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

    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).

  24. Cost to you: £62
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 40 months balance transfer offer Then 18.95% 1.95% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Nectar cardholders only

    Reduced balance transfer fee of 1.95% when you enter your Nectar card number during your application. Conditions apply, see T&Cs

    Sainsbury's Bank Nectar 40 Month Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    You'll have to pay a 2.89% fee to transfer a balance to this card. If you do it in the first 3 months, Sainsbury's will refund 0.94%, so the overall fee is 1.95%. After the first 3 months, the fee goes up to 3%
    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

    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).

  25. Cost to you: £75
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 40 months balance transfer offer Then 20.9% 2.35% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    MBNA Platinum Credit Card

    • 18.9% on purchases
    No annual fee
    Great for
    You can transfer money to your current account and pay no interest for 20 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

    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).

  26. Cost to you: £80
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 37 months balance transfer offer Then 18.9% 2.49% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Post Office Money Balance Transfer Card

    • 0% on purchases for 3 months
    No annual fee
    Great for
    You can transfer a balance to this card and pay no interest for 37 months (you'll have to pay a 2.49% fee)
    You can buy foreign currency at the Post Office with no cash fee with this 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 3 months to get the promotional offer
    Post Office credit cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £8,000
    • 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. Cost to you: £80
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 37 months balance transfer offer Then 19.9% 2.5% fee on transferred balances
    19.9% 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
    0% for 3 months on purchases
    Manage your account on the go with the AA Credit Card app
    But be aware that
    You cannot transfer a balance from another credit card issued by Bank of Ireland
    The APR and length of the promotional offer are dependent on your personal circumstances

    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).

  28. Cost to you: £83
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 22 months balance transfer offer Then 17.8% 0% fee on transferred balances
    17.8% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Post Office Money Platinum Card

    • 0% on purchases for 3 months
    No annual fee
    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

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £8,000
    • Available to new customers only

    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).

  29. Cost to you: £86
    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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 40 months balance transfer offer Then 20.626% 2.69% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Tesco Bank Clubcard Credit Card for Balance Transfers and Money Transfers

    • 0% on purchases for 3 months
    No annual fee
    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
    If you're accepted you'll get 0% on balance transfers and money transfers for 40 months
    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

    Go to site

    To get this card

    • Minimum age: 18 years
    • Minimum income: £5,000

    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).

  30. Cost to you: £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. The cost also takes into account any cashback you may get from the credit card company, as money off your total balance.

    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% 22 months balance transfer offer Then 18.95% 0% fee on transferred balances
    18.9% APR(variable) representative
    Your chance of approval Will you get this card? Start >>

    Sainsbury's Bank No Fee Balance Transfer Credit Card

    • 0% on purchases for 3 months
    No annual fee
    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

    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).

What is a balance transfer card? 

A balance transfer credit card allows you to transfer an existing credit card balance to a new card that charges less interest. You have to pay a fee to make the transfer. Some cards charge 0% for a period of months, making this a good way to manage debt.
 

Cut the cost of debts

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%.
 

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 and independent, 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.

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