No-fee balance transfer

Compare no-fee balance transfer credit cards

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

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

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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR

Your personalised chance of approval

We've used the details you gave us to show you how likely you are to be accepted for each card.

Why is this important?

Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. 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, it's unlikely you'll get the card, so it could be worth looking at others.

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Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.

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If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.

If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.

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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 to be able to do the smart search check.

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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • You’ll have to pay a 2% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund this in full, so the overall fee is 0%
  • You can get your Experian credit score for free
But be aware that
  • You might get a different interest rate to the one shown here because this depends on your circumstances
  • You must transfer a balance within the first 60 days to get the promotional offer
  • You can’t transfer a balance from another card issued by Barclaycard
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR

If your application is approved you are guaranteed to get the 0% interest period advertised

If your application is approved you are guaranteed to get the 0% interest period advertised

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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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
  • Up to 5,000 bonus Nectar points. Each time you spend £20 or more on Sainsbury’s shopping in the first two months you’ll get 500 points. T&Cs apply. Ends 30th July 2018
  • 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
  • 0% effective balance transfer fee, refunded from 3% within 60 days, on transfers made in the first 3 months. BT fee will depend on current offer thereafter.
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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 19.9% 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
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
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Sorry, we can't help you to apply for this product

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
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Sorry, we can't help you to apply for this product

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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 or promotional period 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
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
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Sorry, we can't help you to apply for this product

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
  • You're eligible to apply for this card even if you've already got another Tesco Bank credit card
  • If you're accepted you'll get 0% interest on balance transfers for the up to 22 months from account opening. 0% balance transfer fee
But be aware that
  • You're not eligible if you've applied for another Tesco Bank credit card in the last month
  • You might get a different interest rate or promotional period to those shown here, because these depend on your circumstances
  • Balance transfers and money transfers must be made within the first 90 days to get the promotional offer
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
Nationwide members only

Nationwide credit cards are for members only. You’re a member if you have a current account, mortgage or savings account with Nationwide. See provider site for more details

Nationwide members only

Nationwide credit cards are for members only. You’re a member if you have a current account, mortgage or savings account with Nationwide. See provider site for more details

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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • You can transfer a balance to this card with no fee for three months. After three months a 2.4% fee applies (minimum £5)
  • You can use this card abroad with no commission charges
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 3 months to get the promotional offer
  • You must have a Nationwide current account to be eligible for this card. If you don't have one you can apply for an account and this card at the same time
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
Nationwide members only

Nationwide credit cards are for members only. You’re a member if you have a current account, mortgage or savings account with Nationwide. See provider site for more details

Nationwide members only

Nationwide credit cards are for members only. You’re a member if you have a current account, mortgage or savings account with Nationwide. See provider site for more details

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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • You can transfer a balance to this card with no fee for three months. After three months a 2.4% fee applies (minimum £5)
  • You can earn £1 to spend abroad with no commission for every £5 you spend on your card in the UK
But be aware that
  • You might get a different interest rate to the one shown here because this depends on your circumstances
  • You must transfer a balance within the first 3 months to get the promotional offer
  • You must earn at least £5,000 a year to be eligible for this card
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • Earn Clubcard points wherever you use your card, on top of your usual Clubcard points in Tesco
  • You're eligible to apply for this card even if you've already got another Tesco Bank credit card
  • If you're accepted you'll get 0% interest on balance transfers and money transfers for the first 12 months. 0% balance transfer fee, 3.94% money transfer fee
But be aware that
  • You're not eligible if you've applied for another Tesco Bank credit card in the last month
  • You might get a different interest rate or promotional period to those shown here, because these depend on your circumstances
  • Balance transfers, money transfers and purchases must be made within the first 90 days to get the promotional offer
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Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
Cashback

£20 cashback offer on your first transaction made in a foreign currency by 30th September 2018. T&Cs apply. Offer ends 31st august 2018

Cashback

£20 cashback offer on your first transaction made in a foreign currency by 30th September 2018. T&Cs apply. Offer ends 31st august 2018

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Sorry, we can't help you to apply for this product

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • You can transfer a balance to this card with no fee
  • You can use this card abroad with no fee
  • You may be eligible to apply for this card even if you've already got another Halifax credit card. Excludes Student Credit Card customers, conditions apply
But be aware that
  • You might get a different interest rate to the one shown here, because this depends on your circumstances
  • You can't transfer a balance from another card issued by Halifax
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No-fee balance transfer credit cards

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

What are no-fee balance transfer cards?

However, there are no-fee balance transfer cards too. As it says on the tin, these are cards that allow you to transfer a balance onto a different card for no fee at all – although as with any balance transfer deal, you will not be able to do this if your existing card is from the same provider.

What types of no-fee balance transfer credit cards are there?

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

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

The main advantage of no-fee balance transfer cards, of course, is that you don’t pay for the transfer of debt. This is especially handy for those switching larger debts as the fees are charged on a percentage basis. If you were planning on switching £10,000 for example, a 3% balance transfer fee would cost a hefty £300.

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

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

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

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

This way you can cross reference the interest rates that will be charged on your debt as well as any other perks the cards may offer such as loyalty points, annual travel insurance and even music and make an informed decision.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.