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Best 0% balance transfer credit card deals

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

Barclaycard Platinum Extended Balance Transfer Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	22 months	2.9% Min £7.25	17.9%	n/a	53%
RBS Platinum MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	22 months	3.2% Min £5	17.95%	n/a	56%
NatWest Pltainum MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	22 months	3.2% Min £5	17.95%	n/a	56%
Halifax Balance Transfer MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.95% (variable), your Representative APR will be 17.95% (variable).	22 months	3.5% Min £3.50	17.95%	n/a	54%
Barclaycard Platinum Extended Balance Transfer Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	21 months	2.6%^a Min £7.25	17.9%	n/a	53%
First Direct Gold Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).	20 months	2.9% Min £5	16.9%	n/a	84%
Virgin Money MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.8% (variable), your Representative APR will be 16.8% (variable).	20 months	2.99% Min £3	16.8%	n/a	62%
Halifax 20 Months MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).	20 months	3% Min £3	16.9%	n/a	54%
Nationwide BS Select Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable)..	20 months	3.1% Min £5	12.9%	n/a	70%
Nationwide BS Credit Card Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 15.9% (variable), your Representative APR will be 15.9% (variable).	20 months	3.1% Min £5	15.9%	n/a	70%
Creation 20 Months BT CC MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).	20 months	3.2% Min £3	16.9%	n/a	n/a
Bank of Scotland Plus MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).	18 months	3% Min £3	16.9%	n/a	53%
Santander Credit Card MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).	17 months	3% Min £5	17.9%	n/a	52%
Barclaycard Platinum Low BT Fee Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).	16 months	1.6%^b Min £7.25	18.9%	n/a	53%
Virgin Money All Round CC MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 15.8% (variable), your Representative APR will be 15.8% (variable).	16 months	1.99%^b Min £3	15.8%	n/a	62%

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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Credit card balance transfer calculator

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

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