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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.


Barclaycard 18m Purchase 18m Balance Transfer card - 20.9% APR Representative Variable

Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 18m at 0%
  • Balance Transfers at 0% for 18m (2.9% fee)
  • No Cashback or Rewards Offered
  • Recommended by 80% of customers surveyed

This Barclaycard offers an interest free period of 18 months for both purchases and for balance transfers from the date you open your account. 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 20.9% 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 2.9% will be applied to your account.


Barclaycard 18m Purchase 18m Balance Transfer card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 20.9% p.a (variable) your representative rate will be 20.9% APR (variable).

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