You have selected Balance transfer cardsopen/close
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: £2 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% | 0.68% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Exclusive
Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October
Barclaycard Platinum 32 Months Balance Transfer
- 0% on purchases for 6 months
- No annual fee
- Great for
- Manage your account using the My Barclaycard app, or online account servicing
- You’ll get access to pre-sale tickets to the latest events before they go out on general release
- You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 2.82%, so the effective fee is 0.68%
- But be aware that
- The APR and length of the promotional offer are dependent on your personal circumstances
- You cannot transfer a balance from another Barclaycard
- The promotional BT period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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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% 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 >> |
Exclusive
Receive £30 when you successfully apply. You cannot apply for this offer anywhere else. Conditions apply, see T&Cs. Ends 28th October
HSBC Credit Card
- 0% on purchases for 3 months
- No annual fee
- Great for
- Receive £30 when you apply and complete either a balance transfer or a minimum of three transactions using Apple Pay or Android Pay within 60 days of account opening. T&Cs apply
- If your application is approved you are guaranteed to get 32 months on balance transfers at 0%
- But be aware that
- The APR of the promotional offer is dependent on your personal circumstances
- The promotional BT period applies to transfers made in the first 60 days
- You cannot transfer a balance from a HSBC Group card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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 >> |
Nectar cardholders only
Reduced balance transfer fee of 0.69% when you enter your Nectar card number during your application. Conditions apply, see T&Cs
Sainsbury's Bank Nectar Low Balance Transfer Fee 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)
- 5,000 bonus Nectar points when you spend £800 on Sainsbury's shopping or fuel in the first three months with your Sainsbury's Bank Credit Card. Apply by 29th December 2016
- If your application is approved you are guaranteed to get the 0% interest period advertised
- But be aware that
- The APR you get is subject to status, so may vary
- You cannot apply if you currently hold another Sainsbury’s Credit Card. You must enter your Nectar card number when you apply
- You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.81% so the overall fee is 0.69%. 3% balance transfer fee afterwards (minimum £3 at all times).
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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% 32 months balance transfer offer Then 20.9% | 0.69% 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
- 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 must have a minimum annual income of £30,000 to apply
- You cannot transfer a balance from another MBNA card
- The promotional BT, MT period and Fee applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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% 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
- If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
- Managing your card online using Internet Banking and Mobile Banking
- 0.7% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days
- But be aware that
- The APR is dependent on your personal circumstances
- You cannot transfer a balance from another Halifax card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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
- Transferring money to your current account with 0% interest for 30 months (4% fee applies)
- If approved, you will get the advertised offer
- The initial balance transfer fee is 3.00%, but transfer a balance within 60 days and Virgin Money will refund 2.41%, so the effective fee is 0.59%
- But be aware that
- You cannot transfer balances between other accounts issued by Virgin Money
- The promotional period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).
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| Cost to you: £25 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
- If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
- Managing your card online using Internet Banking and Mobile Banking
- 3% fee applies, but is reduced to 0.8% for balances transferred within the first 90 days of account opening
- But be aware that
- The APR and length of the promotional offer are dependent on your personal circumstances
- The promotional BT period and Fee applies to transfers made in the first 90 days
- You cannot transfer a balance from another Lloyd's Bank card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £25 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
- If you already have a Bank of Scotland card, you may be eligible to have a second card. Conditions apply
- Managing your card online using Internet Banking and Mobile Banking
- 3% fee applies, but is reduced to 0.8% for balances transferred within the first 90 days of account opening
- But be aware that
- The APR and length of the promotional offer are dependent on your personal circumstances
- The promotional BT period applies to transfers made in the first 90 days
- You cannot transfer a balance from another Bank of Scotland card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £28 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% | 1.5% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Exclusive
Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October
Barclaycard Platinum Credit Card with Extended Balance Transfer
- 0% on purchases for 6 months
- No annual fee
- Great for
- You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 2.00%, so the effective fee is 1.50%
- Tracking your credit score, with free ongoing access to your Experian Credit Score
- But be aware that
- The APR and length of the promotional offer are dependent on your personal circumstances
- You cannot transfer a balance from another Barclaycard
- The promotional BT period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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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 19.9% | 0.99% 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
- Transferring money to your current account with 0% interest for 32 months (4% fee applies)
- If approved, you will get the advertised offer
- The initial balance transfer fee is 3.00%, but transfer a balance within 60 days and Virgin Money will refund 2.01%, so the effective fee is 0.99%
- But be aware that
- You cannot transfer balances between other accounts issued by Virgin Money
- The promotional period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).
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| Cost to you: £36 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 20.626% | 0.59% 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, plus your usual points in Tesco. Terms apply.
- You can still apply even if you have a Tesco Bank Credit Card already
- Apply online and get a decision within 60 seconds
- But be aware that
- The 0% offer is applied to any balances or money transferred within the first 90 days of account opening.
- The APR you get is subject to status, so may vary
- You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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 >> |
Exclusive
You won't get this card on any other comparison site
MBNA Platinum Credit Card
- No annual fee
- Great for
- Transferring money to your current account with 0% interest for 24 months (1.99% 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
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: £43 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
- If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
- No fee to transfer a balance within the first 90 days
- Managing your card online using Online Banking and Mobile Banking
- But be aware that
- 3% fee applies on balance transfers made after the first 90 days
- The APR and length of the promotional offer are dependent on your personal circumstances
- You cannot transfer a balance from another Halifax card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £47 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
- Transferring money to your current account with 0% interest for 34 months (4% fee applies)
- If approved, you will get the advertised offer
- The initial balance transfer fee is 3.00%, but transfer a balance within 60 days and Virgin Money will refund 1.51%, so the effective fee is 1.49%
- But be aware that
- You cannot transfer balances between other accounts issued by Virgin Money
- The promotional period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).
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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% 33 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 Nectar Low Balance Transfer Fee 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)
- 5,000 bonus Nectar points when you spend £800 on Sainsbury's shopping or fuel in the first three months with your Sainsbury's Bank Credit Card. Apply by 29th December 2016
- If your application is approved you are guaranteed to get the 0% interest period advertised
- But be aware that
- The APR you get is subject to status, so may vary
- You cannot apply if you currently hold another Sainsbury’s Credit Card
- You cannot transfer a balance from another Sainsbury's Credit Card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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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% 23 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 >> |
Exclusive
Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October
Barclaycard Platinum 23 Months
- 0% on purchases for 6 months
- No annual fee
- Great for
- You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund this in full, so the effective fee is 0%
- Tracking your credit score, with free ongoing access to your Experian Credit Score
- But be aware that
- The APR and length of the promotional offer are dependent on your personal circumstances
- You cannot transfer a balance from another Barclaycard
- The promotional BT period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £59 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
- Transferring money to your current account with 0% interest for 24 months (4% fee applies)
- If approved, you will get the advertised offer
- Access to a range of great Virgin offers
- But be aware that
- You cannot transfer balances between other accounts issued by Virgin Money
- The promotional period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).
-
| Cost to you: £61 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
- Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
- You can still apply even if you have a Tesco Bank Credit Card already
- Apply online and get a decision within 60 seconds
- But be aware that
- This offer is applied to any balances transferred within the first 90 days of opening your account
- The APR you get is subject to status, so may vary
- You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £63 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% 36 months balance transfer offer Then 20.9% | 1.99% 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 36 Month Balance Transfer Credit Card
- 0% on purchases for 3 months
- No annual fee
- Great for
- Transferring money to your current account with 0% interest for 36 months (4% fee applies)
- If approved, you will get the advertised offer
- The initial balance transfer fee is 3.50%, but transfer a balance within 60 days and Virgin Money will refund 1.51%, so the effective fee is 1.99%
- But be aware that
- You cannot transfer balances between other accounts issued by Virgin Money
- The promotional period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).
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| Cost to you: £76 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% | 2.39% 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
- If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
- Managing your card online using Internet Banking and Mobile Banking
- You'll be charged a 3% fee, but transfer a balance within 90 days and Lloyd's Bank will refund 0.61%, so the effective fee is 2.39%
- But be aware that
- The APR and length of the promotional offer are dependent on your personal circumstances
- The promotional BT period and Fee applies to transfers made in the first 90 days
- You cannot transfer a balance from another Lloyd's Bank card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £76 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% | 2.39% 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
- If you already have a Bank of Scotland card, you may be eligible to have a second card. Conditions apply
- Managing your card online using Internet Banking and Mobile Banking
- You’ll be charged a 3% fee, but transfer a balance within 90 days and Bank of Scotland will refund 0.61%, so the effective fee is 2.39%
- But be aware that
- The APR and length of the promotional offer are dependent on your personal circumstances
- The promotional BT period applies to transfers made in the first 90 days
- You cannot transfer a balance from another Bank of Scotland card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £76 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% | 2.4% 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
- Transferring money to your current account with 0% interest for 40 months (4% fee applies)
- If approved, you will get the advertised offer
- But be aware that
- You cannot transfer balances between other accounts issued by Virgin Money
- The promotional period applies to transfers made in the first 60 days
Representative Example: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative rate will be 20.9% APR (variable).
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| Cost to you: £77 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% | 2.42% 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 2.42% when you enter your Nectar card number during your application. Conditions apply, see T&Cs
Sainsbury's Bank Nectar Long Balance Transfer Credit Card
- 0% on purchases for 3 months
- No annual fee
- Great for
- 5,000 bonus Nectar points when you spend £800 on Sainsbury's shopping or fuel in the first 3 months with your Sainsbury's Bank Credit Card. Ends 29th December 2016
- 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
- If your application is approved you are guaranteed to get the 0% interest period advertised
- But be aware that
- The APR you get is subject to status, so may vary
- You cannot apply if you currently hold another Sainsbury's Credit Card. You must enter your Nectar card number when you apply
- You'll pay a 2.89% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.47% so the overall fee is 2.42%.3% balance transfer fee afterwards (minimum £3 at all times).
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: £79 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 20.626% | 2.49% 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, plus your usual points in Tesco. Terms apply.
- If approved you will be offered 0% for 38 months on Balance Transfers and Money Transfers from account opening
- You can still apply even if you have a Tesco Bank Credit Card already
- But be aware that
- The 0% offer is applied to any balances or money transferred within the first 90 days of account opening
- The APR you get is subject to status, so may vary
- You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £79 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
- 0% interest on balance transfers for 37 months
- 2.98% Balance Transfer Fee applies, but is reduced to 2.49% by a refund within 90 days of the balance transfer transaction date
- 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 and length of the promotional offer are dependent on your personal circumstances
- Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| 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, plus your usual points in Tesco. Terms apply
- If approved you will be offered 0% for 40 months on Balance Transfers and Money Transfers from account opening
- You can still apply even if you have a Tesco Bank Credit Card already
- But be aware that
- The 0% offer is applied to any balances or money transferred within the first 90 days of account opening
- The APR you get is subject to status, so may vary
- You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £88 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 Nectar No Balance Transfer Fee Credit Card
- 0% on purchases for 3 months
- No annual fee
- Great for
- 5,000 bonus Nectar points when you spend £800 on Sainsbury's shopping or fuel in the first three months with your Sainsbury's Bank Credit Card. Apply by 29th December 2016
- 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
- If your application is approved you are guaranteed to get the 0% interest period advertised
- But be aware that
- The APR you get is subject to status, so may vary
- You cannot apply if you currently hold another Sainsbury’s Credit Card
- 0% balance transfer fee applies on transfers made within your first 3 months. 3% afterwards (minimum £3)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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| Cost to you: £92 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% | 2.89% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Sainsbury's Bank Nectar Long Balance Transfer Credit Card
- 0% on purchases for 3 months
- No annual fee
- Great for
- 5,000 bonus Nectar points when you spend £800 on Sainsbury's shopping or fuel in the first 3 months with your Sainsbury's Bank Credit Card. Ends 29th December 2016
- 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
- If your application is approved you are guaranteed to get the 0% interest period advertised
- But be aware that
- The APR you get is subject to status, so may vary
- You cannot apply if you currently hold another Sainsbury’s Credit Card
- Reduced 2.89% balance transfer fee applies on transfers made within your first 3 months, 3% 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: £108 Debt repaid in: 34 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 18.9% | 2.35% fee on transferred balances | 18.9% APR(variable) representative | Your chance of approval Will you get this card? Start >> |
Exclusive
Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October
Barclaycard Platinum Purchase Offer
- 0% on purchases for 25 months
- No annual fee
- Great for
- Paying 0% interest on balance transfers for 25 months
- Paying 0% on purchases for 25 months
- But be aware that
- If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate for 25 months has expired, unless you repay your entire balance in full each month
- The APR and length of the promotional offer are dependent on your personal circumstances
- The promotional BT period applies to transfers made in the first 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).
-
| Cost to you: £110 Debt repaid in: 34 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% 41 months balance transfer offer Then 18.95% | 3.44% 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
- If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
- Managing your card online using Online Banking and Mobile Banking
- You’ll be charged a 3.5% fee, but transfer a balance within 90 days and Halifax will refund 0.06%, so the effective fee is 3.44%
- But be aware that
- A 3.44% fee applies for balance transfers in the first 90 days from account opening, after which a 3% fee applies for each balance transfer
- The APR and length of the promotional offer are dependent on your personal circumstances
- You cannot transfer a balance from another Halifax card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).
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.
