Low Balance Transfer Fee Credit Cards

Low balance transfer fee cards are exactly as they sound. They offer a balance transfer facility where the charge to do so is lower than 'normal'. The following cards have been arranged by fee amount. Choose the one that is right for you

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Credit Needed
Good
  • 26 Months 0% Balance Transfer (No Fee for transfers made within 90 days)
  • 0% on purchases for 6 months
  • Manage your card online using internet banking & mobile banking
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, have no CCJs, not be currently bankrupt and not subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    26 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

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).

  • No balance transfer fee applies on transfers made within the first 3 months, 3% afterwards (min £3 at all times)
  • 5,000 bonus Nectar points for new customers using the card to spend £250 on Sainsbury's shopping or fuel in the first month. Apply by 26/03/2017
  • Must be a UK resident and aged 18 years or over
  • Balance Transfer
    Rate & Duration
    0%
    25 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

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)

 APPLY ONLINE

Credit Needed
Good
  • Up to 24 Months 0% Balance Transfers (0.0% Fee - No balance transfer fee applies on balances transferred within 90 days of opening the account, a 3% fee applies thereafter
  • 0% interest on purchases for the first 6 months after your account is opened
  • Quicker payments with contactless technology
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, be free from CCJs, bankruptcy and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

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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Credit Needed
Good
  • 0% on Balance Transfers for 24 months with no balance transfer fee (for balances transferred within 90 days, 3% thereafter)
  • Cover against fraud when shopping online
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, or be subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

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).

  • 0% interest on balance transfers for 24 months from account opening (0% fee)
  • 0% interest on purchases for 6 months from account opening (0% fee)
  • Pay for items up to £30 with payWave™ Contactless Payment
  • Apple Pay enabled payments
  • A fee of 3.50% will be applied, then reduced to 0% by a refund
  • You must be a UK resident, aged 18 years or over, with a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

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)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 24 months on balance transfers (no fee), and 0% for 24 months on money transfers (4% fee applies)
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: 19.9% p.a. (variable) on card purchases. This is equivalent to 19.9% APR representative (variable) based on a credit limit of £1,200.

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Credit Needed
Good
  • 0% on balance transfers for up to 24 months from account opening (no fee)
  • 0% on money transfers for up to 24 months from account opening (3.94% fee)
  • Earn Clubcard points wherever you use your Tesco Bank credit card and get your usual points in Tesco too (terms & conditions apply)
  • Apply online and get a decision within 60 seconds
  • Transfer a balance within 90 days of opening your account to get the 0% deal
  • You must not have applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
  • You must be a UK resident, aged 18 or over, have a good credit history, and have an annual income of at least £5,000
  • The APR and length of promotional offer may vary as they are dependent on your personal circumstances
  • Balance Transfer
    Rate & Duration
    0%
    24 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    1 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

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).

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 41 months from account opening with no balance transfer fee
  • Get 5 cashback offers of up to 25% from a range of major retailers
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
  • Apple pay enabled - Pay with your iPhone, iPad or Apple Watch
  • *£3 monthly fee - £36 per year
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • Balance Transfer
    Rate & Duration
    0%
    41 Months
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    0%
    6 Months
    Annual Fee
    *£36
    Representative APR (variable)
    21.7%
    APR

Representative Example: 15.9% p.a. (variable) on card purchases. This is equivalent to 21.7% APR representative (variable) based on an assumed credit limit of £1,200. £3 monthly fee

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Credit Needed
Good
  • 0% on purchases and balance transfers for 12 months (with 0.15% balance transfer fee)
  • Rewards range from the high street, online favourites, places to eat and drink, to top entertainment and days out
  • Earn points wherever you shop with double Freedom points on your UK supermarket, petrol station and all Transport for London spend, plus triple points at selected Freedom partners (see issuer's website for details)
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over, with a good credit rating
  • To qualify for both a 0% interest rate on balance transfers for a year and £20 worth of bonus Freedom points, you will need to transfer a balance of at least £500 within the first 60 days of opening your account
  • Balance Transfer
    Rate & Duration
    0%
    12 Months
    Balance Transfer
    Fee
    0.15%
    Purchases
    Intro
    0%
    12 Months
    Annual Fee
    £0
    Representative APR (variable)
    21.9%
    APR

Representative Example: 21.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

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Credit Needed
Good
  • 0% for 28 months on Balance Transfers within the first 90 days (0.50% fee)
  • 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 Sep 2017 (terms and conditions apply)
  • 0% on purchases for the first 3 months
  • Minimum £100 Balance Transfer
  • Subject to status & lending criteria
  • Must be a UK resident, aged 18 or over, free of any CCJs
  • Balance Transfer
    Rate & Duration
    0%
    28 Months
    Balance Transfer
    Fee
    0.5%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

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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Credit Needed
Good
  • 0% for 30 months on Balance Transfers (0.55% fee) & Money Transfers (4% fee)
  • 0% for 3 months on purchases
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
    • Balance Transfer
      Rate & Duration
      0%
      30 Months
      Balance Transfer
      Fee
      0.55%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      19.9%
      APR

    Representative Example: 19.9% p.a. (variable) on card purchases. This is equivalent to 19.9% APR representative (variable) based on a credit limit of £1,200.

    • Nectar cardholders exclusive: Reduced balance transfer fee of 0.62% (refunded from 1.5% fee charged, T&Cs apply) on transfers made within the first 3 months, 3% afterwards (min. £3 at all times)
    • 5,000 bonus Nectar points for new customers using the card to spend £250 on Sainsbury's shopping or fuel in the first month. Apply by 26/03/2017
    • Must be a UK resident and aged 18 years or over
    • Balance Transfer
      Rate & Duration
      0%
      33 Months
      Balance Transfer
      Fee
      0.62%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      18.9%
      APR

    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)

    • A fee of 3.5% will be applied, then reduced to 0.6% by a refund (T&C's Apply)
    • Emergency help when you are travelling abroad
    • 0% interest on purchases for 6 months from account opening
    • Pay for items up to £30 with payWave™ Contactless
    • Apple Pay enabled
    • Must be a UK resident, aged 18 years or over, with a regular income and a good credit rating
    • Balance Transfer
      Rate & Duration
      0%
      32 Months
      Balance Transfer
      Fee
      0.6%
      Purchases
      Intro
      0%
      6 Months
      Annual Fee
      £0
      Representative APR (variable)
      18.9%
      APR

    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).

    • Reduced balance transfer fee of 0.69% (refunded from 1.5% fee charged, T&Cs apply) on transfers made within the first 3 months, 3% afterwards (min £3 at all times)
    • 5,000 bonus Nectar points for new customers using the card to spend £250 on Sainsbury's shopping or fuel in the first month. Apply by 26/03/2017
    • Must be a UK resident and aged 18 years or over
    • Balance Transfer
      Rate & Duration
      0%
      33 Months
      Balance Transfer
      Fee
      0.69%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      18.9%
      APR

    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)

     APPLY ONLINE

    Credit Needed
    Good
    • 32 Months 0% balance transfer with low fee (0.7% fee in the first 90 days - 3% fee thereafter)
    • 0% for 12 months from account opening on purchases.
    • £20 cashback when you transfer a balance by 31st March 2017
    • Accepted in over 33 million locations worldwide
    • Apple Pay enabled payments
    • APR & promotional offer length are dependent on your circumstances
    • You must be a UK resident, aged 18 or over, have a regular income, not have any CCJs, not declared bankrupt and not subject to an IVA
    • Balance Transfer
      Rate & Duration
      0%
      32 Months
      Balance Transfer
      Fee
      0.7%
      Purchases
      Intro
      0%
      12 Months
      Annual Fee
      £0
      Representative APR (variable)
      18.9%
      APR

    Representative Example: 18.95% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200

     APPLY ONLINE

    Credit Needed
    Good
    • 0% for 32 Months on Balance Transfers (0.8% fee in the first 90 days - 3% fee thereafter)
    • 0% on purchases for 12 months from account opening
    • £20 cashback when you transfer a balance before 31st March 2017
    • Contactless payment enabled
    • Apple Pay enabled payments
    • Minimum £100 balance transfer
    • APR is dependent on your circumstances
    • You must be a UK resident, aged 18 years or over, with a regular income, and be free from CCJs, not be currently bankrupt, or subject to an IVA
    • Balance Transfer
      Rate & Duration
      0%
      32 Months
      Balance Transfer
      Fee
      0.8%
      Purchases
      Intro
      0%
      12 Months
      Annual Fee
      £0
      Representative APR (variable)
      18.9%
      APR

    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).

     APPLY ONLINE

    Credit Needed
    Good
    • 0% for 32 Months on Balance Transfers (0.8% fee in the first 90 days - 3% fee thereafter)
    • 0% on purchases for 12 months from account opening
    • £20 cashback when you transfer a balance by 31st March 2017
    • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
    • Apple Pay enabled payments
    • Minimum £100 balance transfer
    • APR dependent on circumstances
    • Must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, and not be subject to an IVA
    • Balance Transfer
      Rate & Duration
      0%
      32 Months
      Balance Transfer
      Fee
      0.8%
      Purchases
      Intro
      0%
      12 Months
      Annual Fee
      £0
      Representative APR (variable)
      18.9%
      APR

    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).

     APPLY ONLINE

    Credit Needed
    Excellent
    • 1.5% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (min £3 at all times)
    • 5,000 bonus nectar points for new customers using the card to spend £250 on Sainsbury's shopping or fuel in the first month. Apply by 26/03/2017
    • Must be a UK resident and aged 18 years or over
    • Your interest rate and credit limit will vary depending on your individual circumstances
    • Balance Transfer
      Rate & Duration
      0%
      35 Months
      Balance Transfer
      Fee
      1.5%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      18.9%
      APR

    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)

     APPLY ONLINE

    Credit Needed
    Good
    • 0% for 32 months on balance transfers (0.60% fee applies), and 0% for 3 months on purchases
    • Choose your card design - including Quest and iconic Sex Pistols
    • Enjoy a fantastic range of offers with your Virgin card including 5% off Virgin holidays, 5% off Virgin holiday cruises, and 10% off Virgin trains
    • Must be a UK resident, aged 18 years or over, with a good credit rating
    • Balance Transfer
      Rate & Duration
      0%
      32 Months
      Balance Transfer
      Fee
      0.6%
      Purchases
      Intro
      0%
      3 Months
      Annual Fee
      £0
      Representative APR (variable)
      19.9%
      APR

    Representative Example: 19.9% p.a. (variable) on card purchases. This is equivalent to 19.9% APR representative (variable) based on a credit limit of £1,200.

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    What are low balance transfer fee credit cards?

    Low balance transfer fee products offer a new twist on the popular 0% balance transfer proposition and are becoming an increasingly popular choice for credit card applicants.

    Traditionally, balance transfer products have offered people some of the lowest cost debt available in the UK, but they are not without cost. Customers using the balance transfer facility are typically charged a "balance transfer fee" for processing the transfer between card issuers, usually expressed as a percentage of the transferred amount.

    As the 0% durations available on these products has increased, to over 3 years at 0% now, some people have begun to question whether they require the full balance transfer period to clear their debt and whether they might save by forfeiting some of the introductory period available in favour of lower transfer fees.

    Credit card issuers themselves spotted the trend towards customers selecting products based on the fees charged. This has led to the development of a number of products specifically targeting 'transfer fee' savvy customers, low balance transfer fee credit cards.

    Which issuers offer low balance transfer fee products?

    Low balance transfer fee products are available from most UK prime credit card issuers. Some have developed specific products that compete on an ongoing basis, whilst other card issuers use "transfer fee sales" on their established balance transfer products during key marketing periods to increase applications for a short time.

    What are the advantages of low transfer fee cards?

    0% balance transfers are a useful tool for reducing credit card debt, by reducing the amount of interest a customer pays on their balance, but for people who are in a position to clear the debt relatively quickly, the transfer fee can be off-putting.

    Low transfer fee cards help people minimise the cost of transferring a balance between card issuers, whilst retaining the ability to benefit from a 0% transfer in the short term. In this way, they are able to reduce their overall borrowing costs and repay their debts more quickly.

    How to get the best low balance transfer fee card

    Given the dynamics of the credit card market, it is difficult to remain abreast of all the different products and offers.

    Credit card comparison tables like the one featured on this page help people quickly assessing the strengths and weaknesses of particular products. The cards in the table above are sorted by transfer fee in ascending order, to help users quickly find the lowest fee card. There is also a secondary sort which ranks products by the duration of the 0% introductory offer, to ensure users obtain the longest introductory period available at a given transfer fee.

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