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0% Balance transfer credit cards
Here is our unbiased list of balance transfer cards listing the charges and offers if any.
| Unlimited Fees |
| Card | Fee | min pay | 0% | APR | Notes |
|---|---|---|---|---|---|
| Barclaycard Platinum Extended BT | 3.20% | 2.25% | 24 | 17.9% representative |
 |
| HSBC | 3.30% | 2.50% | 23 | 17.9% representative |
Need to be a HSBC account holder and pay in £500 per month. Min salary £8,500 |
| Halifax BT card | 3.50% | 1.00% | 22 | 17.9% representative |
Min income £20K |
| NatWest Platinum | 2.90% | 1.00% | 20 | 17.9% representative |
Min £10K income. |
| First Direct Gold | 2.90% | 3.00% | 20 | 16.9% representative |
Need to be a First Direct '1st Account' holder |
| Virgin Balance Transfer Card | 2.99% | 1.00% | 20 | 16.8% representative |
|
| Halifax 20 month BT Card | 3.00% | 1.00% | 20 | 16.9% representative |
Min income £20K |
| RBS Platinum | 3.20% | 1.00% | 20 | 17.9% representative |
Min £10K income. |
| Bank of Scotland Plus | 3.00% | 1.00% | 18 | 16.9% representative |
|
| Nationwide Credit Card | 2.95% | 1.00% | 17 | 15.9% representative |
£5K min income. |
| Nationwide Select Credit Card | 2.95% | 1.00% | 17 | 12.9% representative |
Must be a 'main account' customer. See T&Cs |
| Halifax 17 month BT card | 3.00% | 1.00% | 17 | 16.9% representative |
|
| Santander Credit Card | 3.00% | 1.00% | 17 | 17.9% representative |
|
| Platinum Low BT Fee Card | 1.60% | 2.25% | 16 | 18.9% representative |
Fee discounted from 2.1% to 1.6%. T&Cs apply, see website |
| Virgin All Round Card | 1.99% | 1.00% | 16 | 15.8% representative |
Money transfer fee 4% |
| AA Balance Transfer Card | 2.90% | 1.00% | 16 | 17.9% representative |
|
| Yorkshire Bank Gold | 3.00% | 1.00% | 16 | 16.9% representative |
Must be a YB customer |
| Clydesdale Bank Gold | 3.00% | 1.00% | 16 | 16.9% representative |
Must be a CB customer |
| Halifax All In One Card | 3.00% | 1.00% | 15 | 17.9% representative |
Most applicants will get 15 months 0%. Others will get 13 or 11 months 0%. |
| LTSB Platinum | 3.00% | 1.00% | 15 | 17.9% representative |
|
| Sainsbury's Nectar Credit Card | 3.00% | 2.25% | 15 | 16.9% representative |
Must have swiped your Nectar card in store in the last 6 months. |
| Barclaycard Platinum Purchase | 2.90% | 2.25% | 14 | 18.9% representative |
|
| Post Office Platinum | 2.98% | 2.50% | 14 | 16.9% representative |
Min salary £20K. Two anniversary offers. |
| Post Office Classic | 2.98% | 2.50% | 14 | 19.9% representative |
Min salary £8K. Two anniversary offers. |
| NatWest Platinum Special Offer | 1.00% | 1.00% | 13 | 17.9% representative |
Min £10K income |
| RBS Platinum Special Offer | 1.00% | 1.00% | 13 | 17.9% representative |
Min £10K income. Online offer only |
| Virgin Purchase Card | 2.89% | 1.00% | 13 | 18.9% representative |
|
| BT Credit Card | 3.00% | 1.00% | 13 | 16.9% representative |
** Money transfer (SBT) fee is now 4% ** |
| Debenhams | 2.99% | 1.00% | 12 | 19.9% representative |
|
| Asda Reward Card | 2.99% | 1.00% | 12 | 16.8% representative |
|
| bmi American Express | 3.00% | 1.00% | 12 | 16.9% representative |
** Money transfer (SBT) fee is now 4% ** |
| RSPCA Card | 3.00% | 1.00% | 12 | 16.9% representative |
** Money transfer (SBT) fee is now 4% ** |
| BOS All In One Card | 3.00% | 1.00% | 12 | 17.9% representative |
Qualifying current account customers get 13 months 0% |
| AA Rewards Card | 3.00% | 1.00% | 12 | 16.9% representative |
transferred within the first 90 days of your account opening |
| Sainsbury's Credit Card | 3.00% | 2.25% | 12 | 16.9% representative |
|
| Barclaycard Breathe | 3.00% | 2.25% | 10 | 16.9% representative |
Max BT £5K |
| Tesco Clubcard | 2.90% | 1.00% | 9 | 16.9% representative |
|
| BOI Mastercard Gold | 2.98% | 2.50% | 9 | 16.9% representative |
Min salary £15K |
| Saga Platinum | 3.00% | 3.00% | 9 | 11.9% representative |
Age 50+ only |
| Play.com | 1.50% | 1.00% | 6 | 16.9% representative |
** Money transfer (SBT) fee is now 4% ** |
| Virgin Atlantic 'White' | 2.00% | 1.00% | 6 | 17.9% representative |
Low minimum payments during intro offer |
| John Lewis | 2.50% | 3.00% | 6 | 16.9% representative |
|
| BOI Ulster Rugby Card | 2.98% | 2.50% | 6 | 17.9% representative |
Some issues, see forum |
| BOI Moneyback | 2.98% | 2.50% | 6 | 17.9% representative |
|
| LTSB Avios Duo | 3.00% | 1.00% | 6 | 15.9% representative |
|
| Co-op Members' Card | 3.00% | 2.00% | 6 | 15.9% representative |
Min salary £10K |
| Co-op Affinity Standard | 3.00% | 2.00% | 6 | 18.9% representative |
Various causes. |
Table | 0% Balance transfer credit cards |