Credit cards Best 0% balance transfer credit card deals

0% balance transfer credit cards offer great value if you owe money on an existing credit card and want to cut the interest you pay. You'll have to pay a balance transfer fee of around 3%.

Provider	Length of 0% deal Length of 0% deal help	Balance transfer fee Balance transfer fee help	Purchase APR Purchase APR help	Annual card fee	Customer score Customer score help	Find out more
Barclaycard Platinum Extended Balance Transfer Visa	22 months	2.9% Min £7.25	17.9%	n/a	54%
Halifax Balance Transfer MasterCard	22 months	3.5% Min £3.50	17.95%	n/a	55%
Barclaycard Platinum Extended Balance Transfer Visa	21 months	2.6%a Min £7.25	17.9%	n/a	54%
First Direct Gold Visa	20 months	2.9% Min £5	16.9%	n/a	85%
Virgin Money MasterCard	20 months	2.99% Min £3	16.8%	n/a	60%
Halifax 20 Months MasterCard	20 months	3% Min £3	16.9%	n/a	55%
RBS Platinum MasterCard	20 months	2.9% Min £5	17.95%	n/a	56%
NatWest Platinum MasterCard	20 months	2.9% Min £5	17.95%	n/a	56%
Bank of Scotland Plus MasterCard	18 months	3% Min £3	16.9%	n/a	52%
Nationwide BS Select Visa	17 months	2.95% Min £5	12.9%	n/a	66%
Nationwide BS Credit Card Visa	17 months	2.95% Min £5	15.9%	n/a	66%
Santander Credit Card MasterCard	17 months	3% Min £5	17.9%	n/a	48%
Barclaycard Platinum Low BT Fee Visa	16 months	1.6%b Min £7.25	18.9%	n/a	54%

Table notes

• a) If you transfer a balance within the the first 60 days, otherwise the handling fee increases to 3%
• b) If you transfer a balance within the the first 60 days, otherwise the handling fee increases to 2.1%

Help

Length of 0% deal

How long the interest-free deal lasts.

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Balance transfer fee

The fee you'll have to pay when you transfer a balance to the card.

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Purchase APR

The interest rate you'll pay on new purchases.

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Customer score

Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member.

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Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.

We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor service score appears in our Best Rate tables, we'll highlight this with the Warning logo. By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.

Credit card balance transfer calculator

Find out how much you could save with our handy balance transfer interest calculator.