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Best Balance Transfer Credit Cards 2024

Best Balance Transfer Credit Cards 2019

What are the best balance transfer credit cards 2024?

In what is a very competitive UK credit card market, the 0% balance transfer offers and promotional deals are constantly changing.

Back in 2017 the best balance transfer credit cards in the UK rapidly increased the length of their 0% introductory offers. Back then, the best balance transfer cards, had introductory offers for as long as 0% for 43 months.

However, the Bank of England has in recent years warned the banks regarding the easy availability of credit. As a result of these warnings, the best 0% balance transfer cards in 2024, now have shorter introductory 0% offers.

The number of customers getting larger credit limits, a £7000 credit card limit for example, have also been reduced.

Best Balance Transfer Cards

Here at Balance Transfer Expert we compare the whole UK market and currently have over 60 different 0% balance transfer credit cards to choose from.

So what makes a credit card stand out as one of the best balance transfer cards of 2024?

We have three main criteria that we use to consider what are the best balance transfer deals.  These are :-

  • The length of the promotional balance transfer offer
    • The longer the 0% introductory rate lasts, the more money you can save on interest. Any repayments you make above the minimum payment will also repay your debt faster.
  • The size of  the balance transfer fee
    •  In this case a smaller percentage handling fee is better, meaning you pay less in fees.
  • The cards application criteria
    •  No one knows the exact credit scoring used by the individual card companies, but do you have a reasonable chance of actually being accepted for the card?

Taking all of the above factors into account and with the precondition that all individual cardholders circumstances will vary, here is our choice of the best 0% balance transfer credit cards currently available in 2024.

Best Balance Transfer Deals

The following featured balance transfer cards have some of the the longest promotional 0% offers and good overall acceptance rates:-


Balance Transfer Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for up to 20 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Purchase Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for 15 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 15 months
Representative APR:
24.9% APR (variable)
Nationwide Member Credit Card - All Rounder
  • 0% on balance transfers for 15 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 15 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: None
Nationwide Member Credit Card - All Rounder
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
Nationwide Members ONLY. You must already have a current account, mortgage or savings account with Nationwide
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from Nationwide credit cards
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 18 months
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
  • 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for up to 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

The best balance transfer deals will generally only be available to those customers with a very good credit history. These customers will have no recent late payment or bad debt problems.

Having a low level of outstanding debt in relation to your overall annual income will also increase your chances of being accepted for one of the best balance transfer credit cards in 2024.

The best 0% transfer cards are all available using either the Mastercard or Visa payment networks. Currently there are no American Express balance transfer cards with 0% introductory offers available in the UK.

You can see the full range of all UK balance transfer credit cards, including all of the above 2024 best balance transfer credit cards on our balance transfer cards page.


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Published: January 11, 2024, Updated: January 11, 2024 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily