Credit Cards - 0% Balance Transfer

We compare leading 0% Balance Transfer providers across the market, so you don't have to!

Top 10 Deals 0% Balance Transfer 0% Purchase Low Interest Rewards Cashback Bad Credit Business Air Miles Gold - Platinum Prepaid
Balance Transfer Purchases
Rate
Duration
Fee
Rate
Duration
APR Typical
Benefits
NatWest Classic Credit Card . 8.9% for life 2.90% 8.9% for 9 months 16.9 % Holidays discount with the NatWest Travel Service! apply now

more info on NatWest Classic Credit Card

Virgin Credit Card . 0.0% for 16 months 2.98% 0.0% for 3 months 16.6 % Great deals with Virgin Media,Virgin Active, Holidays! apply now

more info on Virgin Credit Card

Halifax Credit Card . 0.0% for 9 months 3.00% 0.0% for 9 months 15.9 % Choice of 5 card colours. apply now

more info on Halifax Credit Card

Bank of Scotland All in One Card . 0.0% for 9 months 3.00% 0.0% for 9 months 15.9 % Choice of 5 card colours. apply now

more info on Bank of Scotland All in One Card

Royal Bank of Scotland Credit Card . 8.9% 9 months n/a n/a n/a 16.9 % Cash Back on Balances Transfered apply now

more info on Royal Bank of Scotland Credit Card

Virgin Atlantic Credit Card . 0.0% 6 months 2.00% 17.9% n/a 17.9 % 3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent. apply now

more info on Virgin Atlantic Credit Card


Credit Cards - 0% Balance Transfer

The 0% balance transfer type of credit card is ideal if you are paying a high level of interest every month on other credit cards or store cards and you can quickly reduce the balance you owe rather than concentrating on just the interest. As a result you can significantly reduce the amount you owe in a relatively short period of time.

Some people choose to switch their balance from one credit card to another as soon as the introductory offer period has expired, which is a good method providing you have the time available to keep resourcing other 0% balance transfer deals and then arranging the transfers. It may be worth considering the rate of interest charged to the card once the initial has expired.

The majority of credit card providers charge a handling fee in the region of 2-4% of the balance you transfer and you need to consider these costs in your calculations in your budget before you transfer the balance. Another point worth considering is that if you need to use the 0% balance transfer credit card for purchases then it may be beneficial to go for a credit card that charges 0% interest on purchases as opposed to making transactions on the 0% balance transfer card as you could end up pay a much higher rate. In conclusion, it is vital that you read all the information regarding the various balance cards before you apply.