Credit Cards

Low fee balance transfer credit cards

Want to transfer your existing balance without paying high balance transfer fees? The cards below all have great introductory rates or low lifetime interest rates on existing balances, as well as a balance transfer fee of 2% or less, helping you save even more.

Sorted by lowest transfer fee and longest 0% introductory period

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Purchases intro period & rate
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Sorted by lowest transfer fee and longest 0% introductory period

Low fee balance transfers

Halifax 25/6 Credit card

Halifax Halifax 25/6 Credit card Image

25 months of 0.0% interest on transfers

0.00% 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.
Paying interest on a credit card? Transfer your balance to Halifax and pay 0% for 25 months with no transfer handling fee to pay.

Tesco Bank No Balance Transfer Fee Credit Card

Tesco Bank Tesco Bank No Balance Transfer Fee Credit Card Image

24 months of 0.0% interest on transfers

0.00% fee

1 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.
No handling fees to pay when you transfer your balance within the first 90 days of account opening, with 0% interest to pay for the first 2 years.

Virgin Money No Balance Transfer Fee Credit Card

Virgin Money Virgin Money No Balance Transfer Fee Credit Card Image

24 months of 0.0% interest on transfers

0.00% 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 £1,200. Rate of interest 19.9% (variable) annual.
Transfer money into your current account and pay 0% interest for 24 months. A handling fee of 4% is applied and added to the total amount of credit owed.

Barclaycard Platinum Low Fee Balance Transfer

Barclaycard Platinum Low Fee Balance Transfer Image

23 months of 0.0% interest on transfers

0.00% 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.
The effective transfer handling fee is 0%. If you transfer your balance an initial transfer fee of 3.5% will be applied and Barclaycard will refund the full 3.5% back onto your credit card in full within 2 working days.

Post Office Platinum Card

placeholder card image

22 months of 0.0% interest on transfers

0.00% fee

3 months 0% interest on purchases

No rewards

17.8% APR

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Representative example: Representative 17.8% APR variable. Based on assumed borrowing of £1,200. Rate of interest 17.8% (variable) annual.
No fees on any purchases you make abroad, plus transfer an existing credit card balance and pay 0% for 22 months with no transfer handling fees.

Sainsbury’s Bank Nectar No Balance Transfer Fee Credit Card

Sainsbury's Bank Sainsbury’s Bank Nectar No Balance Transfer Fee Credit Card Image

22 months of 0.0% interest on transfers

0.00% 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.
0% transfer fee applies on transfers made within the first 3 months, 3% afterwards (min £3). If you're paying interest on a credit card, you could transfer your balance to Sainsbury's Bank and pay 0% for 22 months with no transfer fee to pay.

AA Balance Transfer Credit Card

placeholder card image

22 months of 0.0% interest on transfers

0.00% 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 £1,200. Rate of interest 19.9% (variable) annual.
Transfer your existing balance and pay 0% interest for 2 years with no handling fee.

Lloyds Bank Platinum Low Fee

Lloyds Bank Lloyds Bank Platinum Low Fee Image

20 months of 0.0% interest on transfers

0.00% 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.
No balance transfer handling fees to pay when you transfer your balance within the first 90 days, with 0% interest for 20 months on your transferred balance.

Bank of Scotland Platinum Low Fee

Bank of Scotland Platinum Low Fee Image

20 months of 0.0% interest on transfers

0.00% 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.
Transfer your balance within the first 90 days of account opening to benefit from a 0% handling fee.

Santander Credit Card

Santander Santander Credit Card Image

15 months of 0.0% interest on transfers

0.00% fee

15 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.
Benefit from one rate for both transfers and purchases at 0% for up to 15 months, no transfer fee and no annual card fee

Nationwide Select

Nationwide Select Image

12 months of 0.0% interest on transfers

0.00% fee

12 months 0% interest on purchases

0.5% unlimited cashback

15.9% APR

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Representative example: Representative 15.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 15.9% (variable) annual.
Available to new & existing Flex account holders. Earn 0.5% unlimited cashback on in purchases made in pounds sterling.

Danske Bank Standard MasterCard

placeholder card image

5 months of 0.0% interest on transfers

0.00% fee

5 months 0% interest on purchases

No rewards

22.9% APR

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Representative example: Representative 22.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 22.9% (variable) annual.

MBNA 5 Credit Card

MB' Ltd  MBNA 5 Credit Card Image

60 months of 4.9% interest on transfers

0.50% fee

60 months 4.9% interest on purchases

No rewards

8.9% APR

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Representative Example: Representative 8.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 8.9% (variable) annual.
4.9% interest on balance and money transfers, for up to five years. A handling fee of 0.5% applies. This offer only applies to transfers made within the first 60 days.

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.

Sainsbury's Bank Nectar Low Balance Transfer Fee Credit Card

placeholder card image

33 months of 0.0% interest on transfers

0.69% 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 £1200. Rate of interest 18.95% (variable) annual.
Nectar cardholders only: 1.5% transfer fee applies on transfers made in the first 3 months, with Sainsbury’s refunding 0.81% so the overall fee is 0.69%. 3% afterwards (min. £3). You’ll need to enter your Nectar card number during your application.

Halifax Balance Transfer 32 Months

Halifax Halifax Balance Transfer 32 Months Image

32 months of 0.0% interest on transfers

0.70% fee

12 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 handling fee is 0.7%. If you transfer your balance an initial transfer fee of 3% will be applied and Halifax will refund 2.3% back onto your credit card within 90 days.

Tesco Bank Clubcard Credit Card with a 0.85% Balance Transfer Fee

placeholder card image

15 months of 0.0% interest on transfers

0.85% fee

15 months 0% interest on purchases

Tesco Clubcard points

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

Virgin Money Balance Transfer

Virgin Money Virgin Money Balance Transfer Image

32 months of 0.0% interest on transfers

0.99% 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 £1,200. Rate of interest 19.9% (variable) annual
Transfer money into your current account and pay 0% interest for 32 months. A handling fee of 4% 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.

Sainsbury's Bank Nectar Low Balance Transfer Fee Credit Card

Sainsbury's Bank Sainsbury's Bank  Nectar Low Balance Transfer Fee Credit Card Image

33 months of 0.0% interest on transfers

1.50% 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 18.95% (variable) annual.
Non Nectar cardholders - 1.5% balance transfer fee applies on transfers made within your first 3 months. 3% afterward (minimum £3 at all times.)

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

  • Can everyone get a low fee balance transfer card?
  • What types of balance transfer cards are there?
  • Which is the best card?
  • Why get a low fee balance transfer card?
  • Which providers offer low fee balance transfer cards?
  • What is a low fee balance transfer credit card?

Credit cards terms

  • Balance transfer
  • Balance transfer fee
  • Balance transfer introductory period