Credit Cards

Balance transfer credit cards

Paying interest on your existing credit card? A balance transfer card allows you to transfer your balance from an existing card to your new card, potentially saving you hundreds of pounds in interest charges during the 0% introductory period. Consider it a new card helping you pay off debts from old cards, but at a lower rate, meaning you could be debt free quicker.


We compare 0% balance transfer deals where you could be interest free for up to 41 months, now may be the ideal time to transfer your existing debts!

Sorted by longest 0% introductory balance transfer offer

Balance transfer intro period & rate
Purchases intro period & rate
Rewards
Representative APR
Likelihood of acceptance
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Sorted by longest 0% introductory balance transfer offer

Balance Transfers

Halifax Balance Transfer

Halifax Halifax Balance Transfer Image

41 months of 0.0% interest on transfers

3.50% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
0% interest on balance transfers for 41 months. A 3.5% handling fee is applied. Offer is exclusively available online.

Virgin Money 41 month Balance Transfer Card

Virgin Money Virgin Money 41 month Balance Transfer Card Image

41 months of 0.0% interest on transfers

4.00% fee

3 months 0% interest on purchases

No rewards

20.9% APR

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Representative example: Representative 20.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 20.9% (variable) annual.
Market leading: 0% interest on balance & money transfers for 41 months (transfer handling fees apply).

Bank of Scotland Platinum Balance Transfer

Bank of Scotland Platinum Balance Transfer Image

40 months of 0.0% interest on transfers

2.41% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
The effective transfer handling fee is 2.41%. If you transfer your balance an initial transfer fee of 3% will be applied and Bank of Scotland will refund 0.59% back onto your credit card within 90 days.

Lloyds Bank Platinum

Lloyds Bank Lloyds Bank Platinum Image

40 months of 0.0% interest on transfers

2.41% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
The effective transfer handling fee is 2.41%. If you transfer your balance an initial transfer fee of 3% will be applied and Lloyds Bank will refund 0.59% back onto your credit card within 90 days.

Sainsbury's Bank Nectar Long Balance Transfer Credit Card

Sainsbury's Bank Sainsbury's Bank Nectar Long Balance Transfer Credit Card Image

40 months of 0.0% interest on transfers

2.42% fee

3 months 0% interest on purchases

Nectar Points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
Nectar cardholders only. Reduced balance transfer fee of 2.42% applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times). You’ll need to enter your Nectar card number as part of your application.

Tesco Bank Balance Transfer Credit Card

Tesco Bank Tesco Bank Balance Transfer Credit Card Image

40 months of 0.0% interest on transfers

2.69% fee

3 months 0% interest on purchases

Clubcard points

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Transfer your balance and pay 0% interest for the first 40 months. Offer applies to transfers made within the first 90 days of account opening.

Tesco Bank Clubcard credit card for money transfers

placeholder card image

40 months of 0.0% interest on transfers

2.69% fee

3 months 0% interest on purchases

No rewards

18.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual. Postal address: PO Box 27028, Glasgow, G2 9FT

MBNA Platinum Credit Card

MB' Ltd  MBNA Platinum Credit Card Image

40 months of 0.0% interest on transfers

2.79% fee

No 0% intro

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
0% on balance transfers for 40 months with a fee of 2.79%. Plus, find out your likelihood of acceptance for this card before you apply, with MBNA eligibility checker.

Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

Sainsbury's Bank Sainsbury’s Bank Nectar Long Balance Transfer Credit Card Image

40 months of 0.0% interest on transfers

2.89% fee

3 months 0% interest on purchases

Nectar points

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
You don't need to be a Nectar cardholder to benefit from this offer. 2.89% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times).

Tesco Bank Balance Transfer Credit Card

Tesco Bank Tesco Bank Balance Transfer Credit Card Image

38 months of 0.0% interest on transfers

2.49% fee

3 months 0% interest on purchases

Clubcard points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Transfer your balance and pay 0% interest for the first 38 months. Offer applies to transfers made within the first 90 days of account opening.

Barclaycard Platinum 37 months

Barclaycard Platinum 37 months Image

37 months of 0.0% interest on transfers

2.45% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Limited offer: The effective handling fee is 2.45%. If you transfer your balance an initial transfer fee of 3.5% will be applied and Barclaycard will refund 1.05% back onto your credit card within 2 working days.

Post Office Balance Transfer Card

Post Office Money Post Office Balance Transfer Card Image

37 months of 0.0% interest on transfers

2.49% fee

3 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
The effective balance transfer handling fee is 2.49%. If you transfer your balance an initial transfer fee of 2.98% will be applied and you will be refunded 0.49% onto your Post Office Money credit card within 90 days of the balance transaction date.

The Co-operative Bank 3 Year Fixed Rate

placeholder card image

36 months of 6.9% interest on transfers

0.00% fee

36 months 6.9% interest on purchases

No rewards

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual. Postal address: Delt House, Southway, Skelmersdale, Lancs, WN8 6NY

Virgin Money Balance Transfer

Virgin Money Virgin Money Balance Transfer Image

36 months of 0.0% interest on transfers

1.99% fee

3 months 0% interest on purchases

No rewards

20.9% APR

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Representative example: Representative 20.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 20.9% (variable) annual.
Transfer money into your current account and pay 0% interest for 36 months. A handling fee of 4% is applied and added to the total amount of credit owed.

Virgin Money Transfer Credit Card

Virgin Money Virgin Money Transfer Credit Card Image

36 months of 0.0% interest on transfers

2.39% fee

3 months 0% interest on purchases

No rewards

20.9% APR

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Representative example: Representative 20.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 20.9% (variable) annual.
Transfer money into your current account and pay 0% interest for 3 years. A handling fee of 2.39% is applied and added to the total amount of credit owed.

Virgin Money Balance Transfer

Virgin Money Virgin Money Balance Transfer Image

34 months of 0.0% interest on transfers

1.49% fee

3 months 0% interest on purchases

No rewards

19.9% APR

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Representative example: Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
Transfer money into your current account and pay 0% interest for 34 months. A handling fee of 4% is applied and added to the total amount of credit owed.

Barclaycard Platinum 32 Months

Barclaycard Platinum 32 Months Image

32 months of 0.0% interest on transfers

0.68% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Paying interest on a credit card? You could transfer your balance to Barclaycard and pay 0% interest for 32 months, plus get access to a range of Barclaycard entertainment benefits.

Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.

We aim to show as many cards as possible, although there may be some we're unable to display.

 

Your guide to credit cards

  • Things to consider before getting a balance transfer card
  • Which providers offer balance transfer cards?
  • Types of balance transfer cards
  • What is a balance transfer card?

Credit cards terms

  • What is APR?
  • Balance transfer fee
  • Representative APR