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Please increase your monthly payment - at the current level it would take more than 10 years to clear your balance
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| Cost to you: £0 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% | 0.58% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Limited offer
£20 cashback on your initial balance transfer within the first 90 days of your account opening. T&Cs apply. Limited offer, ends 8th August 2017
Halifax Low Fee Balance Transfer Offer
- 0% on purchases for 3 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, Halifax will refund 2.42%, so the overall fee is 0.58%
- 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 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 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).
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| Cost to you: £6 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 20.9% | 0.64% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Exclusive
£20 cash back if you make balance transfers or money transfers totalling at least £1,000 within the first 60 days of your account opening. You can't get this offer anywhere else. T’s & C’s apply
MBNA Platinum Credit Card
- 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 balance transfer, money transfer period and fees 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).
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| Cost to you: £9 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% 29 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 3 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
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).
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| Cost to you: £15 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% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Limited offer
Balance transfer fee reduced to 0% via refund from initial fee of 0.5%. T&Cs apply. Limited Offer, ends 6th September 2017
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 June 2018 (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 transfers must be completed by the 4th October 2017 to benefit from the 0% fee offer
- You won't be able to transfer a balance that's already on a TSB card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £15 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 18.95% | 0% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Exclusive
1,000 Nectar points each time you use this card to spend £35 or more on Sainsbury's shopping in first 2 months of account opening, up to maximum of 10,000 points. You can't get this offer anywhere else. T&Cs apply. Limited offer ends 14th August 2017
Sainsbury's Bank No Balance Transfer Fee 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 your application is approved you are guaranteed to get the 0% interest period advertised
- 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
- In the first 3 months a 1.5% balance transfer fee is charged and then fully refunded directly to your account within 60 days. 3% fee thereafter (min. £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).
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| Cost to you: £19 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% | 0.59% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Exclusive
1,000 Nectar points each time you use this card to spend £35 or more on Sainsbury's shopping in first 2 months of account opening, up to maximum of 10,000 points. You can't get this offer anywhere else. T&Cs apply. Limited offer ends 14th August 2017
Sainsbury's Bank 33 Month Balance Transfer Credit Card
- 0% on purchases for 3 months
- No annual fee
- Great for
- 0.59% 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 0.91% so the overall fee is 0.59%. 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).
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| Cost to you: £19 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% | 0.6% fee on transferred balances | 19.9% 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
- UBER OFFER: Use your Barclaycard to pay for your rides with Uber and every 11th ride is free, up to £15. T&Cs apply. Ends 31st December 2017
- 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 2.90%, so the overall fee is 0.60%
- 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 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 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).
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| Cost to you: £19 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% | 0.6% 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)
- Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards with the Virgin Red app
- 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).
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| 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 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 and 0.65% fee. After the first 90 days, the fee for balance transfers is 3%
- 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).
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| 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% 30 months balance transfer offer Then 19.9% | 0.55% 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)
- Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards with the Virgin Red app
- 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).
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| 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. Excludes Classic and 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
- You must transfer a balance within the first 90 days to get the promotional offer
- You can't transfer a balance from another card issued by Lloyds Bank
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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 may be eligible to apply for this card, even if you already have another Bank of Scotland card. Excludes Classic and Student card customers, conditions apply
- But be aware that
- At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
- You must transfer a balance within the first 90 days to get the promotional offer
- You can't transfer a balance from another card issued by Bank of Scotland
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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% 32 months balance transfer offer Then 18.9% | 0.99% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
M&S Transfer Plus Offer Credit Card
- 0% on purchases for 6 months
- No annual fee
- Great for
- Earn M&S points when you shop
- You'll receive a bonus voucher for 500 M&S points, worth £5, to be redeemed when you make a purchase on food, clothing or homeware at M&S, T&Cs apply
- 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 had an M&S Bank credit card in the last 12 months
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).
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| 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 >> |
Bank of Scotland 0% Balance Transfer Fee Offer
- 0% on purchases for 3 months
- No annual fee
- Great for
- If you transfer a balance within the first 90 days, you won't have to pay a fee
- You may be eligible to apply for this card, even if you already have another Bank of Scotland card. Excludes Classic and Student card customers, conditions apply
- 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).
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| 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% 37 months balance transfer offer Then 18.95% | 1.39% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Halifax Long 0% Balance Transfer Offer
- 0% on purchases for 3 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
- You’ll have to pay a 3% fee to transfer a balance to this card. If you do it in the first 90 days, Halifax will refund 1.61%, so the overall fee is 1.39%
- 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 can't transfer a balance from another card issued by Halifax
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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% 37 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 >> |
Barclaycard Platinum 37 Months Balance Transfer
- 0% on purchases for 6 months
- No annual fee
- Great for
- UBER OFFER: Use your Barclaycard to pay for your rides with Uber and every 11th ride is free, up to £15. T&Cs apply. Ends 31st December 2017
- 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 2.10%, so the overall fee is 1.40%
- 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).
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| 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 32 Month Balance Transfer 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
- Access to HSBC's home&Away privilege programme, offering a range of benefits around the world
- Contactless payments for items up to £30
- 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
- You might get a different interest rate to the one shown here, because this depends on your circumstances
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).
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| 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% 25 months balance transfer offer Then 19.94% | 0% fee on transferred balances | 19.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Lloyds Bank 0% Balance Transfer Fee Offer Credit Card
- 0% on purchases for 3 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 Lloyds credit card. Excludes Classic and 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 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 19.94% p.a. (variable) your representative rate will be 19.9% APR (variable).
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| 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
- 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
- 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 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).
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| 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 18.94% | 1.49% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Lloyds Bank Long 0% Balance Transfer Offer
- 0% on purchases for 3 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 1.51%, so the overall fee is 1.49%
- You may be eligible to apply for this card even if you've already got another Lloyds credit card. Excludes Classic and 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 must transfer a balance within the first 90 days to get the promotional offer
- You can't transfer a balance from another card issued by Lloyds Bank
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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% 38 months balance transfer offer Then 20.9% | 1.5% fee on transferred balances | 20.9% 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 38 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 periods shown here
- You can transfer money to your current account and pay no interest for 20 months (you'll have to pay a 1.90% fee)
- Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards with the Virgin Red app
- 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 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).
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| 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 >> |
Exclusive
1,000 Nectar points each time you use this card to spend £35 or more on Sainsbury's shopping in first 2 months of account opening, up to maximum of 10,000 points. You can't get this offer anywhere else. T&Cs apply. Limited offer ends 14th August 2017
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)
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).
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| Cost to you: £51 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% 39 months balance transfer offer Then 18.94% | 1.6% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Lloyds Bank Platinum 39 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 1.4%, so the overall fee is 1.6%
- You may be eligible to apply for this card even if you've already got another Lloyds credit card. Excludes Classic and 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 must transfer a balance within the first 90 days to get the promotional offer
- You can't transfer a balance from another card issued by Lloyds Bank
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).
-
| Cost to you: £51 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% 39 months balance transfer offer Then 18.95% | 1.6% 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’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 1.4%, so the overall fee is 1.6%
- You may be eligible to apply for this card, even if you already have another Bank of Scotland card. Excludes Classic and Student card customers, conditions apply
- But be aware that
- At least 51% of customers will get a representative rate of 18.9% APR (variable). Other customers may be offered the Classic Credit Card with a representative rate of 27.9% APR (variable) and a different promotional period
- You must transfer a balance within the first 90 days to get the promotional offer
- You can't transfer a balance from another card issued by Bank of Scotland
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
-
| Cost to you: £54 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% | 1.69% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Halifax Balance Transfer Credit 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, Halifax will refund 1.31%, so the overall fee is 1.69%
- 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 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 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).
-
| Cost to you: £54 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% | 1.7% fee on transferred balances | 20.9% 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 40 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 40 months (you'll have to pay a 3.80% fee)
- Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards with the Virgin Red app
- 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 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).
-
| 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
- UBER OFFER: Use your Barclaycard to pay for your rides with Uber and every 11th ride is free, up to £15. T&Cs apply. Ends 31st December 2017
- 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).
-
| 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% 40 months balance transfer offer Then 18.95% | 1.78% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Exclusive
1,000 Nectar points each time you use this card to spend £35 or more on Sainsbury's shopping in first 2 months of account opening, up to maximum of 10,000 points. You can't get this offer anywhere else. T&Cs apply. Limited offer ends 14th August 2017
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 1.11%, so the overall fee is 1.78%. After the first 3 months, the fee goes up to 3%
- If your application is approved you are guaranteed to get the 0% interest period advertised
- 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 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
-
| 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)
- Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards with the Virgin Red app
- 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).
-
| 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
- 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 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 and 0% fee. After the first 90 days, the fee for balance transfers is 3%
- 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).
What is a balance transfer card?
A balance transfer is where part or all of a debit balance (or debt) you owe on a credit card is transferred to another card that charges less interest. You have to pay a fee to make the transfer and 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.
