Best 0% balance transfer credit card deals
Watch out for uncapped fees with long-term balance transfer cards
The best credit cards if you owe money on another card
There are two types of 0% balance transfer credit card.
- 0% credit card deals with no balance transfer fee are all short-term (around 5 or 6 months). If you're happy to switch regularly, or plan to pay off your credit card bill in the next few months, these could be the best credit cards for you. These offers are now rare, however, and there are sometimes none available on the market.
- Longer-term 0% balance transfer deals all charge a fee (generally around 3% of the balance transferred to the credit card). These could be the best credit card for you if you think you're going to take a bit longer to repay your balance, or if you don't want to switch credit card every 5 or 6 months
| Best for 0% balance transfers Cards that offer the best introductory interest-free balance transfer deals | |||||||
|---|---|---|---|---|---|---|---|
| Product | Which? recommended provider | APR | Length of 0% period | Transfer fee | Deal starts | Customer score | Find out more |
| Average | 16.8% | 68% | |||||
| Virgin Money Credit Card MasterCard |  | 16.6% | 16 months | 2.98% Min £3 | Issuea | 56% |  |
| This card currently offers the longest 0% balance-transfer of 16 months with a fee 2.98% (uncapped) of the balance. Transfer period begins from the date of card issue. You cannot transfer a balance from another MBNA card. Virgin are well below average in our Which? customer satisfaction survey. | |||||||
| Barclaycard Platinum with Balance Transfer | No | 15.9% | 15 months | 2.9% Min £6.25 | Issue | 58% | |
| A very good 15-month interest-free balance transfer deal, with 2.9% handling fee. The card comes with a typical APR of 15.9%. | |||||||
| Santander Credit Card | No | 15.9% | 15 months | 3% Min £5 | Issueb | 59% | Santander |
| A very good 15-month interest-free balance transfer deal, with 3% handling fee. The card comes with a typical APR of 15.9%. | |||||||
| Egg Visa |  | 16.9% | May 2011 | 3% Min £5 | Transferc | 73% | |
| A good deal from Egg but you need to apply for the balance transfer as soon as possible to ensure you get the deal for as long as possible. There is a 3% handling fee that is charged on anything transferred and the typical APR is about average at 16.9%. Egg also score well in our credit card satisfaction survey. | |||||||
| MBNA Platinum Rewards Visa | | 16.9% | 13 months | 2.9% Min £3 | Issuec | 54% | MBNA |
| A good 0% balance transfer deal of 13 months charging a 2.9% fee. A typical APR of 15.9%. The card also includes a loyalty scheme, however MBNA score poorly in our Which? customer satisfaction survey. | |||||||
| Nationwide BS Gold Visa | | 16.9% | 13 months | 3% Min £5 | Issued | 77% | |
| The card has a typical APR of 16.9% which is about average, however it is one of a handful of companies that have a good order of payments that benefit the card holder. This card also does not charge a foreign loading fee for use in most European countries, but they do pass on a Visa charge of 1% for use in all other countries. Nationwide also score very well in our Which? customer satisfaction survey. | |||||||
Table notes
Wherever we display a “MORE INFO” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
For all cards in the table exact rate depends on your credit score.
- Limited to 95% of credit limit and not transferable from any other MBNA cards
- You cannot transfer balances from other Abbey accounts
- Balance transfer must be made within 90 days of receiving card
- Balance transfer must be made within 3 months of opening account
Credit card balance transfer calculator
Find out how much you could save with our handy balance transfer interest calculator.