tickComparing balance transfer credit cards online since 2002
tickEvery UK 0% balance transfer credit card available online
tick0% balance transfer deals and offers are updated every day

Balance Transfer Credit Cards – Page 2


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

0% Balance Transfer Credit Cards for  23  Months

Card Offers

Balance Transfers:
0% for up to 23 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Halifax Low Fee Balance Transfer
  • 0% for up to 26 months from account opening on balance transfers within first 90 days
  • 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening.
  • 0% for first 9 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Halifax Low Fee Balance Transfer
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
No balance transfers allowed to this card from Bank of Scotland or Halifax credit cards
0% Balance Transfer Credit Cards for  22  Months

Card Offers

Balance Transfers:
0% for up to 22 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Bank of Scotland Low Fee Platinum
  • 0% for up to 22 months from account opening on balance transfers made within first 90 days
  • 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
  • 0% for 9 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Bank of Scotland Low Fee Platinum
  • You are a UK resident
  • You have a regular income
  • You have not bankrupt or subject to an IVA and have no County Court Judgments
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
No balance transfers allowed to this card from Bank of Scotland or Halifax credit cards

Card Offers

Balance Transfers:
0% for up to 22 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Lloyds Platinum Low Fee
  • 0% for up to 22 months on balances transferred in the first 90 days
  • 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
  • 0% on purchases for 9 months from account opening
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Lloyds Platinum Low Fee
  • You are a UK resident
  • You have a regular income
  • You have a good credit history free from any county court judgements
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.94% p.a. (variable)
No balance transfers allowed to this card from Lloyds credit cards
0% Balance Transfer Credit Cards for  21  Months

Card Offers

Balance Transfers:
0% for 21 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 21 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

MBNA Transfer and Purchase Credit Card
  • 0% interest for up to 21 months on balance transfers
  • 2.99% balance transfer fee for the first 60 days and 5% fee thereafter
  • 0% interest for up to 21 months on card purchases
  • Contactless payments to quickly and securely pay for purchases under £30
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

MBNA Transfer and Purchase Credit Card
  • You must be aged 18 or over
  • You must hold a UK bank account
  • You must have been a permanent UK resident for at least 3 years
  • You must have a good credit rating and credit is subject to status
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.93% p.a. (variable)
No balance transfers allowed to this card from MBNA credit cards

Card Offers

Balance Transfers:
0% for up to 21 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 21 months
Representative APR:
20.9% APR (variable)
More Information

Card Details

Sainsbury’s Dual Offer
  • 0% interest on balance transfers for up to 21 months
  • 3% balance transfer fee, minimum £3 on transfers made at application
  • 0% interest on purchases for up to 21 months
  • Collect up to 3 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Sainsbury’s Dual Offer
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)
No balance transfers allowed to this card from Sainsbury’s credit cards
0% Balance Transfer Credit Cards for  20  Months

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 20 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

M&S Shopping Plus*
  • 0% for 20 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 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
More Information

Application Criteria

M&S Shopping 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 20 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

NatWest Purchase & Balance Transfer
  • 0% on balance transfers for 20 months from account opening
  • 1.99% balance transfer fee
  • 0% on purchases for 20 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

NatWest Purchase & Balance Transfer
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 20 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

RBS Purchase & Balance Transfer
  • 0% on balance transfers for 20 months from account opening
  • 1.99% balance transfer fee
  • 0% on purchases for 20 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

RBS Purchase & Balance Transfer
  • You are a RBS customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with RBS
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 20 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

Ulster Bank Purchase & Balance Transfer
  • 0% on balance transfers for 20 months from account opening
  • 1.99% balance transfer fee
  • 0% on purchases for 20 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

Ulster Bank Purchase & Balance Transfer
  • You are a Ulster Bank customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with Ulster Bank
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

Card Offers

Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
2.9%
Purchases:
0% for up to 21 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

Barclaycard Platinum All Rounder
  • 0% interest on balance transfers for up to 20 months from account opening
  • 2.9% balance transfer fee applies
  • 0% interest on purchases for up to 21 months from account opening
  • Contactless payment technology for purchases of £45 or under
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Barclaycard Platinum All Rounder
  • You have a permanent UK address
  • You have a regular income of more than £20,000 pa
  • You have a good credit rating
  • You have no history of bankruptcy or late payments
  • You are aged 21 or over
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from Barclaycard or Hilton credit cards
0% Balance Transfer Credit Cards for  19  Months

Card Offers

Balance Transfers:
0% for up to 19 months
Balance Transfer Fee:
0%
Purchases:
0% for first 3 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

Sainsbury’s Low Fee Balance Transfer
  • 0% interest on balance transfers for up to 19 months
  • Balance Transfer fee of 0% or 1% applies to transfers made within first three months, depending on your individual circumstances
  • 0% interest on purchases for first 3 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Sainsbury’s Low Fee Balance Transfer
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% p.a. (variable)
No balance transfers allowed to this card from Sainsbury’s credit cards

Card Offers

Balance Transfers:
0% for 19 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 19 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

Virgin Money 19 Month All Round
  • 0% on balance transfers for 19 months from the date your account is opened
  • 2.9% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 19 months from the date your account is opened
  • Discounts on Virgin holidays, Virgin trains and Virgin experience days
  • Contactless payments to quickly and securely pay for purchases under £30
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Virgin Money 19 Month All Round
  • You are a UK resident
  • You have a bank or building society account
  • You have a good credit history
  • You are aged 18 or over
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
No balance transfers allowed to this card from Clydesdale,Yorkshire or Virgin credit cards
0% Balance Transfer Credit Cards for  18  Months

Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
More Information

Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 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: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
0%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

NatWest Balance Transfer
  • 0% on balance transfers for 18 months from account opening
  • 0% balance transfer fee
  • 0% on purchases for first 3 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

NatWest Balance Transfer
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
0%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

RBS Balance Transfer
  • 0% on balance transfers for 18 months from account opening
  • 0% balance transfer fee
  • 0% on purchases for first 3 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

RBS Balance Transfer
  • You are a RBS customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with RBS
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards