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Compare 0% Balance Transfer Credit Cards

Last updated: 8 hours ago

Balance transfer credit cards allow you to shift existing credit card debt and repay it over a longer period or at a cheaper rate. Which? Money Compare talks you through the best options currently available.

The Which? difference

Which? Money Compare displays all available credit card deals from providers large and small, whether we get paid commission or not. It makes no difference to how the credit cards appear in our tables, meaning you’ll always be able to stay in control and find the best deals for you, not us.

What are Which? Recommended Providers?

These are the companies that combine competitive deals with excellent customer service, and have been awarded Which?'s coveted Recommended Provider status.

Benefits
Pay no interest on any of your existing borrowing until your deal ends.
Pitfalls
You pay a fee to transfer your balance, if you miss a payment you could lose your entire 0% deal and new spending on these credit cards is expensive.

Terms Explained 

Represent­ative APR (variable)

The interest rate for borrowing that at least 51% of the customers accepted will pay.

Which? Customer Score

Which?'s rating for customer satisfaction, based on feedback from thousands of real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand to a friend.

0% balance transfer deal

How long the interest-free deal lasts.

Balance transfer fee

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