Compare Balance Transfer Credit Cards

Compare Balance Transfer Credit Cards

Product Name Representative APR (variable) Balance Transfers Intro Purchases
Intro
Rewards
 
  • Barclaycard Platinum with Balance Transfer

  • 18.9%
    APR

  • 0%
    33 mths
    2.79% fee

  • 0%
    6 mths

  • Barclaycard Unwind

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).

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  • Halifax 32 Month Balance Transfer

  • 18.9%
    APR

  • 0%
    32 mths
    2.70% fee

  • 0%
    6 mths

  • No Rewards

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).

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  • Tesco Clubcard Credit Card with Balance Transfer

  • 18.9%
    APR

  • 0%
    32 mths
    2.90% fee

  • 0%
    3 mths

  • Clubcard Points

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 18.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.

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  • Lloyds Bank Platinum 32 Month Balance Transfer

  • 18.9%
    APR

  • 0%
    32 mths
    3.50% fee

  • 0%
    6 mths

  • No Rewards

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

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  • Barclaycard Platinum 32 Mths Balance Transfer

  • 18.9%
    APR

  • 0%
    32 mths
    2.69% fee

  • 0%
    6 mths

  • Barclaycard Unwind

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).

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  • Bank of Scotland Platinum Balance Transfer

  • 18.9%
    APR

  • 0%
    32 mths
    3.50% fee

  • 0%
    6 mths

  • No Rewards

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable).

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  • Halifax 30 Month Balance Transfer

  • 18.9%
    APR

  • 0%
    30 mths
    2.50% fee

  • 0%
    6 mths

  • No Rewards

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

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  • Virgin

  • 18.9%
    APR

  • 0%
    29 mths
    2.99% fee

  • 0%
    6 mths

  • Virgin Discounts

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.

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  • Santander Balance Transfer

  • 18.9%
    APR

  • 0%
    29 mths
    3.00% fee

  • 0%
    3 mths

  • No Rewards

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on an assumed credit limit of £1,200.

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  • Nationwide with Balance Transfer

  • 17.9%
    APR

  • 0%
    26 mths
    2.40% fee

  • 0%
    3 mths

  • No Rewards

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable).

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  • Lloyds Bank Platinum

  • 17.9%
    APR

  • 0%
    24 mths
    1.50% fee

  • 0%
    3 mths

  • No Rewards

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).

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  • Bank of Scotland Platinum

  • 17.9%
    APR

  • 0%
    24 mths
    1.50% fee

  • 0%
    3 mths

  • No Rewards

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).

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  • Halifax Balance Transfer

  • 18.9%
    APR

  • 0%
    24 mths
    1.50% fee

  • 0%
    3 mths

  • No Rewards

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable).

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  • MBNA Everyday

  • 14.9%
    APR

  • 0%
    21 mths
    1.50% fee

  • 0%
    11 mths

  • No Rewards

Representative Example: 14.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 14.9% p.a. (variable)

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  • Santander Low Fee Balance Transfer

  • 18.9%
    APR

  • 0%
    17 mths
    0.90% fee

  • 0%
    3 mths

  • No Rewards

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on an assumed credit limit of £1,200.

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  • Sainsbury's Nectar Purchase Credit Card

  • 16.9%
    APR

  • 0%
    16 mths
    3.00% fee

  • 0%
    16 mths

  • Nectar Points

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)

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  • Lloyds Bank Platinum 15Mths

  • 17.9%
    APR

  • 0%
    15 mths
    0.70% fee

  • 0%
    6 mths

  • No Rewards

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).

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  • Halifax All In One

  • 17.9%
    APR

  • 0%
    15 mths
    0.80% fee

  • 0%
    15 mths

  • No Rewards

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)

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  • Bank of Scotland Platinum 15 Months Balance Transfer

  • 17.9%
    APR

  • 0%
    15 mths
    0.70% fee

  • 0%
    6 mths

  • No Rewards

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)

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uk.creditcards.com offer credit card comparison tables which are free to the user. However, we may receive commissions from the issuers we refer users to. The above table is ordered based on specific product attributes. Please note - position does not imply suitability, strength or superiority.

* While reasonable efforts are made to keep information updated, credit card terms cannot be guaranteed for accuracy. Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

* Please note that the ‘More info’ or ‘Apply here’ product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites.

What Are Balance Transfer Credit Cards?

 

The concept of a balance transfer card is relatively straightforward. An individual who has credit card debt on one credit card can transfer that debt to another at a specified interest rate for a specific period of time. What interest and fees you pay and for how long vary by issuer and product. Some issuers charge an on-going low interest rate, but more common and more popular (for obvious reasons) are 0% balance transfer cards which shield customers from high interest rates.

 

How to Select the Best Balance Transfer Card

 

Although transfer cards incur no actual interest; even the best 0% balance transfer credit cards have some fees associated with them. Balance transfer fees (sometimes called "admin fees") are the fees issuers charge individuals at the time of transferring for processing the transfer. Typically balance transfer fees are charged as a percentage of the total amount transferred and they can vary significantly between products. Given that they are the only charges of a transfer (assuming you make your payments in time) it is worth understanding what you'll pay.

 

Having a good understanding of what time frame you want to pay your balance off within can also be useful as these fees can be reduced if you pick a product which has a shorter balance transfer period.

 

Once you know what you are looking for it makes sense to use credit card comparison tables to select the best product for your needs, but remember to focus on why you want the card. Certainly some products have great credit card design, some can come with long interest free purchase periods, some offer reward points - all of which can be a distraction - if it's credit card for purchases you want there are better products tailored to those needs (either 0% interest rate purchase cards or reward credit cards). Provided you remember you can't transfer balances within a card network, and if you've recently had a card (or forgot to cancel an old credit card account) with a particular issuer they might not take your transfer, and you focus on the card with the best balance transfer length and you won't go too far wrong.

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