Top 10 Balance Transfer Credit Cards

What are the top 10 balance transfer credit cards in the UK?

Top 10 Balance Transfer Credit CardsThere are currently over 80 UK 0% balance transfer credit cards available for online applications, from a large number of different banks and credit card companies.

All of these balance transfer credit cards have varying lengths of 0% introductory rates on balance transfers and also have different levels of balance transfer fees. So what are the top 10 credit cards for balance transfers?

Here at Balance Transfer Expert, we use all of the following criteria, as well as our experience and knowledge of the whole UK credit card market, to make our choice of the top 10 balance transfer credit cards :-

  • The length of the 0% introductory balance transfer offer
  • The size of the balance transfer fee
  • The application criteria that the credit card company want you to meet before applying
  • The acceptance rates of the credit cards i.e. how likely are you to be accepted for the card

Top 10 Credit Cards For Balance Transfers

Using all of the above criteria and our 10+ years of experience in the UK balance transfer market, the following popular featured cards are our current choice of the top 10 balance transfer credit cards :-

Card Offers

Balance Transfers:
0% for 32 Months
Balance Transfer Fee:
0.99%
Purchases:
0% for 6 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 0.99% balance transfer fee, minimum £5
  • 0% on purchases for 6 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 32 Months
Balance Transfer Fee:
1.4%
Purchases:
0% for 3 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

HSBC*
  • 0% interest on balance transfers for 32 months made within 60 days of account opening
  • 1.4% balance transfer fee (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

HSBC*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident, including Isle of Man and Channel Islands
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Offer: £25 cashback between 10th September and 9th November 2018. Subject to terms and conditions
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
Credit is subject to status

Card Offers

Balance Transfers:
0% for 12 Months
Balance Transfer Fee:
0%
Purchases:
0% for 12 Months
Representative APR:
17.9% APR (variable)
More Information

Card Details

Nationwide Credit Card just for Nationwide members*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • Commission free allowance on purchases abroad (subject to terms)
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

Nationwide Credit Card just for Nationwide members*
  • Our credit cards are just for members. Youre a member when you have a current account, mortgage or savings account with us
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Representative Example: 17.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 25 Months
Balance Transfer Fee:
2.9%
Purchases:
0% for 25 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

M&S Shopping Plus*
  • 0% for 25 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 25 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 26 Months
Balance Transfer Fee:
2.89%
Purchases:
0% for 26 Months
Representative APR:
22.9% APR (variable)
More Information

Card Details

HSBC Dual*
  • 0% interest for 26 months on balance transfers made within 60 days of account opening
  • 2.89% balance transfer fee (minimum £5)
  • 0% on purchases for 26 months from account opening
  • At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

HSBC Dual*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident, including Isle of Man and Channel Islands
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Offer: £25 cashback between 10th September and 9th November 2018. Subject to terms and conditions
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

Card Offers

Balance Transfers:
0% for 12 Months
Balance Transfer Fee:
0%
Purchases:
0% for 12 Months
Representative APR:
15.9% APR (variable)
More Information

Card Details

Nationwide Select Credit Card just for Nationwide members*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • Unlimited commission free purchases abroad
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

Nationwide Select Credit Card just for Nationwide members*
  • Our credit cards are just for members. Youre a member when you have a current account, mortgage or savings account with us
  • Our credit card exclusively for members with a main current account
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Our credit card exclusively for members with a main current account
Representative Example: 15.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 6 Months
Balance Transfer Fee:
2.9%
Purchases:
0% for 6 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

M&S Reward Plus*
  • 0% interest for 6 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 6 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Buy M&S Travel Money with no cash advance feed
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

M&S Reward Plus*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
More Information
Double M&S points on all your M&S shopping for the first 12 months
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Top Ten Balance Transfer Credit Cards

The balance transfer offers and deals are constantly changing in the UK as the credit card companies compete for new customers. As a result our choice of the top ten credit cards for balance transfers also changes on a regular basis.

The balance transfer deals, especially for those credit cards with the longest 0% introductory offers, or those cards with very low offers on balance transfer fees, do tend to be available for only limited periods of time. As a result these cards can often drop out of the top ten balance transfer credit cards list.

UK customers looking for one of the top 10 balance transfer credit cards should always apply for a particular credit card, sooner rather than later, when they find a card suitable for their needs. There is no guarantee that the same card offer will be available tomorrow.

Some customers will rate the length of 0% introductory offer as more important than the balance transfer fee, whilst for other customers it will be the other way around. Our top ten balance transfer credit cards listed above contain a selection of the longest 0% introductory offers and also a selection of the lowest balance transfer fee cards.

If you would like to see more credit cards than are included in these top 10 balance transfer credit cards, then our Balance Transfer Credit Cards page has the full range of over 80 UK 0% balance transfer credit cards to choose from.