The best fee-free 0% balance transfer cards

Our pick of the best fee-free 0% balance transfer credit cards for those who don't want to pay a balance transfer fee upfront.

If you want to shift debt to another ‘0%’ credit card, you're usually asked to pay a percentage of the debt upfront in the form of a transfer fee, which is the lender's way of making a profit.

The longest deals on the market (29 months at the time of publishing) generally charge hefty fees, with some exceeding 3%.

While these are still far cheaper than letting debt rack up costly interest, there is a better option out there for those able to pay off their debt in a shorter period of time.

Fee-free balance transfer cards allow you to move debt without paying a penny. But what's the catch?

The 0% periods on offer may understandably be shorter than their fee-charging rivals.

In this article, we look at the truly free balance transfer cards on the market.

We're working with Compare the Market* where you can find out what credit cards you are eligible for without harming your credit score. Click here to find out more or jump straight in and discover which credit cards you're likely to qualify for.

The best cards available right now

Credit Card

0% period on balance transfers

Representative APR after 0% period ends

Santander Everyday Credit Card

18 months

18.9%

Barclaycard 15-month Balance Transfer Platinum Card*

Up to 15 months

21.9%

*No balance transfer fee applies to transfers in the first two months of account opening

Santander's Everyday Credit Card is leading the way with 18 months, plus you won’t incur a fee for transfers at any point during the interest-free period.

Barclaycard offers 0% interest for up to 15 months, but you’ll be charged for balance transfers after the first two months of account opening.

It’s worth stressing that NatWest’s Balance Transfer Credit Card, which dominated our best buy table for a long time, has been removed after recently introducing a balance transfer fee.

We're working with Compare the Market* where you can find out what credit cards you are eligible for without harming your credit score. Click here to find out more or jump straight in and discover which credit cards you're likely to qualify for.

Will I get the headline rate?

As you can imagine, you’ve got to have a stellar credit rating to get the best deal.

If your score is poor, it’s a good idea to give it a boost. Find out more at How to improve your credit rating and get the best deals.

Still not found the right card for you? View our complete guide to credit cards to see all your options

*While all content is completely editorially independent, loveMONEY has teamed up with Compare the Market to provide credit card price comparison services. Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

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