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Balance transfer credit cards

Balance transfer credit cards can be a great way to save money on debt from other credit cards where interest is being charged. Interest free deals mean that you can pay down your balance quicker.

  • Santander 123 Credit Card

    • Use the card in department stores, petrol stations, supermarkets, national rail and TFL
    • Apply now
    Apply »

  • Great all round card

    • Great offer on balance transfers and purchases
    • Now with reduced fee
    Apply »
  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
Barclaycard 27Mth Platinum Visa
 0%
for 27 months
(3.5% fee) 		0%
for 6 months 		Representative
18.9%
APR
(variable)
  • Currently the market leading interest-free period balance transfer credit card
  • Contactless payments and Paperless statements
  • No balance transfers from other Barclaycards
 Apply »
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.9% PA (variable). BT fee is reduced from 3.9% to 3.5% (T&Cs apply).
NatWest Platinum MasterCard
 0%
for 26 months
(2.65% fee) 		0%
for 6 months 		Representative
18.9%
APR
(variable)
  • A great interest-free balance transfer card
  • Travel, hotel and retail discounts
  • Fraud protection service
  • No balance transfers from Mint, RBS or other NatWest cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.95% PA (variable).
Royal Bank of Scotland Platinum MasterCard
 0%
for 26 months
(2.65% fee) 		0%
for 6 months 		Representative
18.9%
APR
(variable)
  • A great interest-free balance transfer card
  • Travel, hotel and retail discounts
  • Fraud protection service
  • No balance transfers from Mint, other RBS or NatWest cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.95% PA (variable).
Tesco Clubcard Credit Card for Balance Transfers
 0%
for 25 months
(2.9% fee) 		0%
for 3 months 		Representative
16.9%
APR
(variable)
  • Clubcard points on all your spending. One point awarded for every £4 spent in each purchase transaction (£4min). Must have available credit
  • Online servicing
  • Minimum income £5K, UK resident with good credit history
 Apply »
Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.9% PA (variable).
Barclaycard 25Mth Platinum Visa
 0%
for 25 months
(2.4% fee) 		0%
for 6 months 		Representative
18.9%
APR
(variable)
  • A great interest-free balance transfer card
  • Contactless payments and Paperless statements
  • No balance transfers from other Barclaycards
 Apply »
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.9% PA (variable). BT fee is reduced from 3.5% to 2.4% (T&Cs apply)
Halifax BT 25 Month MasterCard
 0%
for 25 months
(2.5% fee) 		0%
for 3 months 		Representative
18.9%
APR
(variable)
  • 3% fee reduced by 0.5% refund to effective 2.5% fee
  • A great interest-free balance transfer card
  • APR and length of the offer are dependent on personal circumstances
  • No balance transfers from Halifax or other Bank of Scotland cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 19.0% PA (variable).
Nationwide Visa
 0%
for 20 months
(3.1% fee) 		0%
for 3 months 		Representative
15.9%
APR
(variable)
  • Commission-free purchases abroad when you build up your allowance through spend in UK sterling
  • Fraud Protection Guarantee
  • No balance transfer from other Nationwide Credit cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 15.9% APR (variable). Purchase rate 15.9% PA (variable).
MBNA Everyday Credit Card Visa
 0%
for 18 months
(1.99% fee) 		0%
for 8 months 		Representative
12.9%
APR
(variable)
  • A 0% interest free period on both balance transfers and money transfers (T&C's apply)
  • Paperless statements, contactless payments, no annual fee
  • No balance transfers from Virgin Money other MBNA cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 12.9% APR (variable). Purchase rate 12.9% PA (variable).
Bank of Scotland Platinum Online MasterCard
 0%
for 18 months
(3% fee) 		0%
for 3 months 		Representative
17.9%
APR
(variable)
  • A great interest-free balance transfer card
  • Manage your card using Internet and Mobile Banking
  • No balance transfers from Halifax or other Bank of Scotland cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Bank of Scotland, PO Box 23581, Edinburgh EH1 1WH.
Santander Credit Card MasterCard
 0%
for 17 months
(3% fee) 		0%
for 3 months 		Representative
17.9%
APR
(variable)
  • Manage your accounts online anytime of day
  • Manage your card on the go with our mobile app for the iPhone or iPad
  • No annual fee
  • Applicants must be aged 18yrs and over, UK resident for 3yrs, No CCJ's, Annual income over £7,500
 Apply »
Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.9% PA (variable).
Barclaycard Low Balance Transfer Fee Visa
 0%
for 16 months
(1.5% fee) 		0%
for 3 months 		Representative
18.9%
APR
(variable)
  • Fee reduced from 1.6% to just 1.5% (T&Cs apply)
  • Includes contactless technology for payments of £20 and under
  • No balance transfers from other Barclaycards
 Apply »
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.9% PA (variable). Fee reduced from 1.6% to just 1.5% (Terms and conditions apply).
Fluid Card
 0%
for 15 months
(1.5% fee) 		0%
for 5 months 		Representative
15.9%
APR
(variable)
  • Check if you are likely to be accepted before completing your application
  • Low BT fee just 1.5%
  • No balance transfers from BMI, MBNA, Virgin or other Fluid cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 15.9% APR (variable). Purchase rate 15.9% PA (variable).
Halifax All in One Online MasterCard
 0%
for 15 months
(1% fee) 		0%
for 15 months 		Representative
17.9%
APR
(variable)
  • 3% fee reduced by 2% refund to effective 1% fee
  • Market leading balance transfer and purchases card
  • APR and length of the offer are dependent on personal circumstances
  • No balance transfers from Halifax or other Bank of Scotland cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ
Lloyds TSB Online Plat 15Mth BT
 0%
for 15 months
(1% fee) 		0%
for 3 months 		Representative
17.9%
APR
(variable)
  • 3% fee reduced by 2% refund to effective 1% fee
  • Full account management online
  • No balance transfers from other Lloyds cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.
Sainsbury's Bank Nectar Credit Card
 0%
for 15 months
(3% fee) 		0%
for 6 months 		Representative
17.9%
APR
(variable)
  • Earn 4 points per £1 spent in Sainsbury's store
  • One Nectar point for every £5 spent on your card elsewhere
  • Double Nectar points on Sainsbury's shopping
  • New Sainsbury's Bank Credit Card customers only
 Apply »
Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 18.0% PA (variable).
Post Office Platinum MasterCard
 0%
for 14 months
(2.98% fee) 		0%
for 3 months 		Representative
16.9%
APR
(variable)
  • No fees on purchases overseas
  • No cash advance fee on Post Office travel money
 Apply »
Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.9% PA (variable).
Barclaycard 14/14 Platinum Visa
 0%
for 14 months
(2.9% fee) 		0%
for 14 months 		Representative
18.9%
APR
(variable)
  • 0% interest on purchases for 14 months from account opening
  • No balance transfers from other Barclaycards
 Apply »
Representative example: assumed borrowing of £1,200, representative 18.9% APR (variable). Purchase rate 18.9% PA (variable).
AA Rewards Credit Card Visa
 0%
for 12 months
(3% fee) 		0%
for 10 months 		Representative
16.9%
APR
(variable)
  • 1 point for every £1 spent on fuel, and 1 point for every £2 spent on everything else
  • Redeem 4,000 points for £20 of cash back or high street shopping vouchers or £40 against AA products like home insurance
  • No balance transfers from AA, BMI, ICICI, Virgin Money or other MBNA cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.9% PA (variable).
AA Members Rewards Visa
 0%
for 12 months
(3% fee) 		0%
for 10 months 		Representative
16.9%
APR
(variable)
  • 2 points for every £1 spent on fuel, and 1 point for every £1 spent on everything else
  • Redeem 4,000 points for £20 of cash back or high street shopping vouchers or £40 against AA products like breakdown cover
  • No balance transfers from AA, BMI, ICICI, Virgin Money or other MBNA cards
 Apply »
Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.9% PA (variable).
M&S Credit Card
 0% for 12 months (2.9% fee) 0%
for 15 months 		Representative
16.9%
APR
(variable)
  • Earn M&S points every time you shop with your card
  • Buy M&S Travel Money with no cash advance or foreign exchange fees
  • You must be at least 18 years of age with good credit history
 Apply »
Representative example: assumed borrowing of £1,200, representative 16.9% APR (variable). Purchase rate 16.9% PA (variable).
Barclaycard Gold Visa
 0%
for 12 months
(2.5% fee) 		No introductory rate Representative
19.9%
APR
(variable)
  • 0% interest on balance transfers for 12 months from account opening
  • Suitable for strengthening credit rating
  • No balance transfers from other Barclaycards
 Apply »
Representative example: assumed borrowing of £1,200, representative 19.9% APR (variable). Purchase rate 19.9% PA (variable).
Saga Over 50's Platinum Visa
 0%
for 9 months
(3% fee) 		0%
for 9 months 		Representative
11.9%
APR
(variable)
  • 0% foreign currency fee
  • A secure online account managment tool
  • Applicants must be aged 50yrs or over
 Apply »
Representative example: assumed borrowing of £1,200, representative 11.9% APR (variable). Purchase rate 11.3% PA (variable). Allied Irish Banks plc, Bankscentre, Ballsbridge, Dublin 4, Republic of Ireland.
Lloyds TSB Duo Avios Credit Card Account
 0%
for 6 months
(3% fee) 		No introductory rate Representative
17.9%
APR
(variable)
  • Up to 1 Avios for every £1 of eligible spend. T&C’s apply
  • Collect double Avios on your spend abroad
  • Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider
 Apply »
Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.
Lloyds TSB Premier Duo Avios Credit Card Account
 0%
for 6 months
(3% fee) 		No introductory rate Representative
23.7%
APR
(variable)
  • Up to 1.25 Avios for every £1 of eligible spend. T&C’s apply
  • Collect double Avios on your spend abroad
  • Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider
 Apply »
Representative example: based on £50.00 annual fee, assumed borrowing of £1,200, representative 23.7% APR (variable). Purchase rate 13.95% PA (variable). Lloyds TSB Bank Plc, 25 Gresham Street, London, EC2V 7HN.
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