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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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M&S 32m Balance Transfer 6m Purchases Card - 19.9% 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 32m (0.99% fee)
  • 1 point
  • 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 offering 0% on balance transfers for 32 months with a small transfer fee of 0.99%. You will also benefit from paying no interest on purchases for 6 months, as well as collecting M&S points every time you shop. 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.

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M&S 32m Balance Transfer 6m Purchases Card REPRESENTATIVE EXAMPLE

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

Barclaycard 31 month Balance Transfer card - 19.9% 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 31m (1.45% fee)
  • No Cashback or Rewards Offered
  • Recommended by 72% 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 31 month 0% balance transfer card could save you serious money. Every penny you pay to Barclaycard in the first 31 months – other than the fee of 1.45% – 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 - 72% of our customers rate Barclaycard as very good or excellent. A balance transfer fee of 3.5% will be applied to your account at first, but you'll only pay 1.45%. Barclaycard will refund the difference within 28 days.

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Barclaycard 31 month Balance Transfer card REPRESENTATIVE EXAMPLE

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

Santander All in One Card - 21.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual Fee of £36
  • Intro Offer of 30m at 0%
  • Balance Transfers at 0% for 30m (0% fee)
  • 0.5% cashback for every £1 spent
  • Recommended by 71% of customers surveyed

The All in One Credit Card gives you cashback on all of your spending and saves you money when travelling as you don't get charged a foreign transaction fee on purchases made abroad. It's also a great way to save on interest repayments with 0% on balance transfers for 30 months and a 0% balance transfer fee. A £3 monthly fee applies. Receive 0.5% cashback on purchases and pay 0% on foreign transaction fees.

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Santander All in One Card REPRESENTATIVE EXAMPLE

Purchase rate 15.9% p.a. (variable)
Representative APR 21.7% (variable)
Assumed credit limit £1200
Monthly fee £3

Santander Everyday Credit Card - 18.9% 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 27m (0% fee)
  • No Cashback or Rewards Offered
  • Recommended by 78% of customers surveyed

Whether you need a card for purchases or want to spread the cost of repaying your balances from other cards, the Everyday Credit Card can help. Spread the cost over 27 months with 0% interest. Benefit from paying no balance transfer fee and no monthly fee.

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Santander Everyday Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 18.9% p.a. (variable)
Representative APR 18.9% (variable)
Assumed credit limit £1200
No annual fee

Barclaycard 27m Purchase 27m Balance Transfer card - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 27m at 0%
  • Balance Transfers at 0% for 27m (2.5% fee)
  • No Cashback or Rewards Offered
  • Recommended by 72% of customers surveyed

This Barclaycard offers an interest free period of 27 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 19.9% may not be the lowest, but unless you have an exceptional credit score, it is certainly acceptable. The card is recommended by 72% of our customers and it’s easy to see why. A balance transfer fee of 3.5% will be applied to your account at first, but you'll only pay 2.5%. Barclaycard will refund the difference within 28 days.

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Barclaycard 27m Purchase 27m Balance Transfer 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 25m at 0%
  • Balance Transfers at 0% for 25m (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 - 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 72% 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 3 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 24.9% isn't the lowest available 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 72% 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 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a. (variable)
Assumed credit limit £1,200

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