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Balance Transfer Cards

Get credit for free for a specified period, so instead of paying interest, you can pay down your borrowings with every payment you make during the 0% balance transfer period. But to beat the system properly there are four essential points you need to remember.

First, always include transfer fees when comparing, second, clear the card before the 0% balance transfer period ends, third, set up a direct debit to pay the minimum payment every time and pay more manually as you can, and finally, and most importantly, remember not to spend on the new card - ever.

Balance transfer cards are listed in order of introductory balance transfer offer - longest first.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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Barclaycard 28 month Balance Transfer card - 21.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 28m (1.75% fee)
  • No Cashback or Rewards Offered
  • Recommended by 80% of customers surveyed

Barclaycard is the largest credit card company in the World. It has a history of many firsts in the market and its range of cards is awesome. If you don’t already have a Barclaycard, and if you have a large, long standing amount outstanding on another card, then this 28 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 28 months – other than the fee of 1.75% – will be in repayment of your debt, instead of paying interest. The card technology is market leading, and robust fraud protection is a given with all Barclaycards. Customer service is good too - 80.3% of our customers rate Barclaycard as very good or excellent. A balance transfer fee of 1.75% will be applied to your account.

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Barclaycard 28 month Balance Transfer card REPRESENTATIVE EXAMPLE

Representative 21.9% APR (variable)
Purchase rate p.a. 21.9% p.a. (variable)
Assumed credit limit £1,200

Barclaycard 25m Purchase 25m Balance Transfer card - 21.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 25m at 0%
  • Balance Transfers at 0% for 25m (2.7% fee)
  • No Cashback or Rewards Offered
  • Recommended by 80% of customers surveyed

This Barclaycard offers an interest free period of 25 months for both purchases and for balance transfers. This makes it easy to use the card for everyday use after making a balance transfer, without fear of losing the benefit as can happen with other cards. The account can be monitored easily online, and is automatically linked to other Barclays accounts when using the free to download iPad or Android apps.. Email alerts are also sent when a new statement is available to view on the account. An interest rate of 21.9% may not be the lowest, but unless you have an exceptional credit score, it is certainly acceptable. The card is recommended by 80.3% of our customers and it’s easy to see why. A balance transfer fee of 2.7% will be applied to your account.

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Barclaycard 25m Purchase 25m Balance Transfer card REPRESENTATIVE EXAMPLE

Representative example:
Representative 21.9% APR (variable)
Purchase rate p.a. 21.9% p.a. (variable)
Assumed credit limit £1,200

The Royal Bank Balance Transfer credit card - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 20m (0% fee)
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

With this card, you can relax knowing that from account opening you get 0% on balance transfers for 20 months and on purchases for 3 months. Standard rates will apply thereafter. Transfers and purchases must be made in the first 3 months. And to top it off, there's no annual fee. The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes. You must be a current Bank of Scotland customer (current account, savings account, credit card or mortgage), must be 18 or older and a UK resident, and make at least £10,000 per year to apply.

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The Royal Bank Balance Transfer credit card REPRESENTATIVE EXAMPLE

Representative example:
Representative 19.9% APR (variable)
Purchase rate p.a. 19.9% p.a. (variable)
Assumed credit limit £1,200

The NatWest Balance Transfer credit card - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 20m (0% fee)
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

The credit card that helps you save money on balance transfers. From account opening you'll pay 0% interest on balance transfers for the first 20 months. Balances must be transferred within 3 months of account opening. You'll also pay 0% interest on purchases made in the first 3 months of opening the account. Standard rates will apply thereafter. The application will take around 10 minutes and you'll know whether you've been accepted or not within 5 minutes. You must be a current Bank of Scotland customer (current account, savings account, credit card or mortgage), must be 18 or older and a UK resident, and make at least £10,000 per year to apply.

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The NatWest Balance Transfer credit card REPRESENTATIVE EXAMPLE

Representative example:
Representative 19.9% APR (variable)
Purchase rate p.a. 19.9% p.a. (variable)
Assumed credit limit £1,200

M&S Credit Card - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 20m at 0%
  • Balance Transfers at 0% for 20m (2.9% fee)
  • 1 point for every £1 spent
  • Recommended by 100% of customers surveyed

There is no doubt that Marks & Spencers will be hoping that brand loyal customers will search out their banking products and any associated offers. Their credit card is a very attractive prospect to those looking for a card offering a good balance transfer and purchases period, as well as collecting M&S points. You will earn M&S points every time you spend on your card and a bonus points voucher worth £5 is available when you spend in home, clothing or food at M&S.
There is also no cash advance fee (normally 2.99%) if you buy your travel money with M&S, and you get a better exchange rate too.

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M&S Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 19.9% variable
Representative 19.9% APR (variable)
Based on credit limit of £1200

Barclaycard 18m Balance Transfer Credit Card - 21.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 18m (0% fee)
  • No Cashback or Rewards Offered
  • Recommended by 80% of customers surveyed

As you might expect from the largest credit card issuer in the World, there are many different options available from Barclaycard. 0% on balance transfers gives customers the chance to repay outstanding balance within 18 months without paying any interest, as well as receiving 0% on purchases for 6 months which gives you the opportunity to consolidate sticky credit card debt elsewhere and make some further purchases before settling down to repay everything off within 18 months. Once the 0% period is over the APR rate of 21.9% is still pretty competitive but if an 18 month balance transfer offer matches your needs - then this card is the right choice. Credit limits are usually on the generous side, fraud prevention is top notch and 80% of our customers rate the customer service from Barclaycard as either very good or excellent.

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Barclaycard 18m Balance Transfer Credit Card REPRESENTATIVE EXAMPLE

Representative APR 21.9% APR (variable)
Purchase rate p.a. 21.9% p.a. (variable)
Assumed credit limit £1,200

Barclaycard Platinum Accessible Balance Transfer - 24.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 0% for 18m (2.99% fee)
  • No Cashback or Rewards Offered
  • Recommended by 80% of customers surveyed

Barclaycards most accessible balance transfer card. Pay 0% interest on balance transfers up to 18 months which starts on the date you open your account. A 3.5% fee applies, which is slightly higher than some of the existing cards on offer, although you'll only pay 2.99% with Barclaycard refunding the difference. Other benefits include 0% interest on purchases for 3 months and receive exclusive savings on live events with Barclaycard Entertainment. 80% of our customers rate the customer service from Barclaycard as either very good or excellent.

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Barclaycard Platinum Accessible Balance Transfer REPRESENTATIVE EXAMPLE

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a. (variable)
Assumed credit limit £1,200

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