Balance Transfer Expert

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Balance Transfer Cards

Displayed below are the three most popular balance transfer cards on Balance Transfer Expert this month.

All of these featured cards offer a long 0% introductory offer on balance transfers. At the end of the introductory offer period, the interest rate on any outstanding balance remaining on the card, will revert to the standard interest rate.

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Card Offers

HSBC Balance Transfer*
HSBC Balance Transfer*
Balance Transfers:
0% for up to 27 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
More Information >

Card Details

HSBC Balance Transfer*
  • 0% interest for up to 27 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
More Information >

Application Criteria

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
More Information >
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

Card Offers

M&S Transfer Plus*
M&S Transfer Plus*
Balance Transfers:
0% for 28 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 3 months
Representative APR:
23.9% APR (variable)
More Information >

Card Details

M&S Transfer Plus*
  • 0% for 28 months on balance transfers made within 90 days of account opening
  • 2.99% 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
More Information >

Application Criteria

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
More Information >
Representative Example: 23.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 23.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Card Offers

HSBC Purchase Plus*
HSBC Purchase Plus*
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)
More Information >

Card Details

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
More Information >

Application Criteria

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
More Information >
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

All of the above popular balance transfer cards can save UK customers money. Customers making a balance transfer can benefit from the introductory 0% rates available.

These 0% introductory rates mean that customers will not have to pay any interest during the period of the introductory offer. As a result, customers making a balance transfer from a card with a higher interest rate, will save money by paying no interest. Customers who make a large balance transfer, can save hundreds of pounds.

A balance transfer can also allow a customer to repay their outstanding debt faster. All of the customers monthly repayments during the introductory offer period, go towards reducing their outstanding balance. None of the monthly payment goes towards interest, during the 0% introductory offer period.

Popular Balance Transfer Cards

A balance transfer credit card has long been the most popular types of credit card in the UK market. There are far more cards that offer long 0% balance transfers, than there are with long 0% purchase offers.

There are a number of different UK credit card companies. All of these companies use their 0% credit card offers as a way to attract new customers.

However, the number of 0% balance transfer offers have reduced over the last couple of years. This is because a large number of credit cards with 0% offers have been withdrawn from the UK market.

There were over 120 UK cards with 0% offers a few years ago. Currently, there are just over 60 UK credit cards available online with 0% introductory offers.

All Balance Transfer Credit Cards >>