Balance Transfer Icon

Balance Transfer Credit Card Comparison

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

  • 18.9%
    APR

  • 0%
    34 mths
    2.99% 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 33 Month Balance Transfer

  • 18.9%
    APR

  • 0%
    33 mths
    2.80% 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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  • Tesco Clubcard Credit Card with Balance Transfer

  • 18.9%
    APR

  • 0%
    33 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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  • Sainsbury's Nectar Balance Transfer Credit Card

  • 18.9%
    APR

  • 0%
    33 mths
    2.89% fee

  • 0%
    6 mths

  • Nectar Points

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

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  • Lloyds Bank Platinum 33 Month Balance Transfer

  • 18.9%
    APR

  • 0%
    33 mths
    2.85% 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 18.94% p.a. (variable)

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  • Bank of Scotland Platinum Balance Transfer

  • 18.9%
    APR

  • 0%
    33 mths
    2.85% 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 33 Mths 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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  • 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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  • Bank of Scotland 28 Month Balance Transfer

  • 18.9%
    APR

  • 0%
    28 mths
    1.50% fee

  • 0%
    12 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 28 Month Balance Transfer

  • 18.9%
    APR

  • 0%
    28 mths
    1.50% fee

  • 0%
    12 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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  • Lloyds Bank Platinum 28 Month Balance Transfer

  • 18.9%
    APR

  • 0%
    28 mths
    1.50% fee

  • 0%
    12 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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  • AA Balance Transfer

  • 18.9%
    APR

  • 0%
    28 mths
    2.90% fee

  • 0%
    3 mths

  • n/a

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 £1200.

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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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  • Tesco Clubcard Credit Card with 25 Mths Balance Transfer

  • 18.9%
    APR

  • 0%
    25 mths
    0.00% 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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  • MBNA Everyday

  • 15.9%
    APR

  • 0%
    21 mths
    1.50% fee

  • 0%
    15 mths

  • No Rewards

Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

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  • Halifax All In One

  • 18.9%
    APR

  • 0%
    19 mths
    2.00% fee

  • 0%
    16 mths

  • No Rewards

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

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  • Barclaycard Platinum 18 Mths Balance Transfer

  • 24.9%
    APR

  • 0%
    18 mths
    2.90% fee

  • 0%
    3 mths

  • No Rewards

Representative Example: 24.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable).

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  • Sainsbury's Nectar Purchase Credit Card

  • 18.9%
    APR

  • 0%
    18 mths
    3.00% fee

  • 0%
    18 mths

  • Nectar Points

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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uk.creditcards.com offer credit card comparison tables which are free to the user, but we do receive commissions from the issuers we refer users to. This table comprises a range of credit cards offering individuals the opportunity to balance transfer their credit card debt sorted by balance transfer duration. Other tables (found via the left hand navigation) feature products with other features and benefits. Please note - table 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?

 

Balance transfer cards are perhaps the most popular UK credit card type and offer a relatively straightforward benefit to those of us applying for them - they help us reduce the amount of interest we are paying on our credit card debt. Individuals who have amassed uncleared credit card debt on credit cards can transfer the debts (or 'balances') to another credit card account at a pre-determined interest rate for a specific period of time.

What interest rate, fees you pay and for how long vary by issuer and product. Some issuers charge on-going low interest rates, but more common and more popular (for obvious reasons) are 0% balance transfer cards, which enable consumers to avoid any interest on their credit card debt for the price of a balance transfer fee.

How do I get the Best Credit Card Offer?

 

Although 0% transfer cards incur no interest; most balance transfer products require customers pay some fees to access the benefits of a 0% transfer. Balance transfer fees are charged at the time consumers undertake a transfer for processing the transfer. Typically transfer fees are charged as a percentage of the total amount transferred, although most issuers also impose a 'minimum balance transfer fee' to discourage consumers transferring smaller sums.

Transfer fees can vary significantly between products and, given that they are the only charges associated with balance transferring (assuming you make your minimum payments on time), it is worth understanding what you'll pay as they will have considerable bearing on the overall cost of the transfer to you. Having a good understanding of what time frame you can clear your balance within can help minimise the fees you pay as they are often lower with products offering shorter balance transfer periods - so if you can clear your balance quickly you might not need to pay the high fees associated with balance transfer products offering longer 0% deals.

Once you know what you are looking for it's worth using credit card comparison tables which make it easy to compare product by specific attributes, but remember to stay focused on why you want the card. 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 you are already in debt!

Provided you remember you can't transfer balances within a card network (ie. don't apply for a Barclaycard balance transfer product if the debt your card is on is also a Barclaycard product), 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 then you won't go too far wrong.
 

 
       

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