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0% Balance transfer credit cards
Here is our unbiased list of balance transfer cards listing the charges and offers if any.
| No Fees apply to any balance transfers on these cards |
| Card | Fee | Max | min pay | 0% | APR | Notes |
|---|---|---|---|---|---|---|
| Ulster Bank Gold | No fee | N/A | 3.00% | 6 | 17.9% |
 Min salary £20K |
| Abbey "Zero" Card | No fee | N/A | 2.25% | 6 | 18.9% |
Branch applications only. |
| ICICI Credit | No fee | N/A | 5.00% | 3 | 14.0% |
|
| Egg Money | No fee | N/A | 2.00% | 0 | 12.9% |
"No fee" relates to muling +ve balances. 3% BT fee for -ve balances. |
| Capped Fees |
| Card | Fee | Max | min pay | 0% | APR | Notes |
|---|---|---|---|---|---|---|
| Virgin Atlantic 'White' | 2.00% | 50 | 2.25% | 6 | 17.9% |
First min payment is lesser of 2.25% or £55, then £25 per month. |
| Unlimited Fees |
| Card | Fee | Max | min pay | 0% | APR | Notes |
|---|---|---|---|---|---|---|
| Virgin Money Card | 2.98% | Open | 3.00% | 16 | 16.6% |
First min payment is around 3%. Subsequent min payments are £25 |
| Halifax Plus | 3.00% | Open | 1.00% | 15 | 16.9% |
|
| Barclaycard OnePulse with BT | 2.50% | Open | 2.25% | 14 | 14.9% |
|
| Barclaycard FlexiRate | 2.90% | Open | 2.25% | 14 | 14.9% |
Max BT £5K |
| Barclaycard Platinum with BT | 2.90% | Open | 2.25% | 14 | 14.9% |
Max BT £5K. 0% until 1/1/10. 16 months for September 2008 applications only. |
| Barclaycard OnePulse cashback | 2.90% | Open | 2.25% | 14 | 14.9% |
Max BT £5K |
| Tesco Bonus Card | 2.90% | Open | 3.00% | 14 | 15.9% |
|
| MBNA Platinum Plus | 2.90% | Open | 3.00% | 14 | 15.9% |
First min payment is around 3%. Subsequent min payments are ?25. |
| Tesco Clubcard | 2.90% | Open | 3.00% | 14 | 16.9% |
|
| LTSB Platinum | 3.00% | Open | 2.00% | 14 | 15.9% |
Must make min £100 purchase, & BT within first 6 weeks. |
| Egg Card | 3.00% | Open | 2.00% | 14 | 16.9% |
Anniversary BT offer only 2.5% fee |
| HSBC | 2.50% | Open | 2.50% | 13 | 16.9% |
Only available to existing HSBC current account customers. |
| MBNA Platinum Rewards | 2.90% | Open | 3.00% | 13 | 15.9% |
First min payment is around 3%. Subsequent min payments are ?25. |
| Nationwide Gold Card | 3.00% | Open | 3.00% | 13 | 15.9% |
Can only ever have one 0% introductory offer. £25K min income. |
| Barclaycard Breathe | 2.50% | Open | 2.25% | 12 | 14.9% |
Max BT £5K |
| Post Office Platinum | 2.98% | Open | 2.50% | 12 | 16.9% |
Min salary £20K. Two anniversary offers. |
| Post Office Classic | 2.98% | Open | 2.50% | 12 | 19.9% |
Min salary £8K. Two anniversary offers. |
| Alliance & Leicester | 3.00% | Open | 3.00% | 12 | 15.9% |
First min payment is around 3%. Subsequent min payments are £25. |
| RSPCA | 3.00% | Open | 3.00% | 12 | 15.9% |
£20 paid to RSPCA on successful Application |
| bmi American Express | 3.00% | Open | 3.00% | 12 | 15.9% |
First min payment is around 3%. Subsequent min payments are £25. |
| Sonycard | 3.00% | Open | 3.00% | 12 | 15.9% |
First min payment is around 3%. Subsequent min payments are £25 |
| Breast Cancer | 3.00% | Open | 3.00% | 12 | 15.9% |
MBNA will make a contribution to Breakthrough Breast Cancer on first use |
| Sainsbury's Credit Card | 3.00% | Open | 2.25% | 10 | 15.9% |
|
| BOS All In One Card | 3.00% | Open | 1.00% | 10 | 15.9% |
|
| Halifax All In One Card | 3.00% | Open | 1.00% | 10 | 15.9% |
|
| Ulster Bank Standard | 1.50% | Open | 3.00% | 9 | 19.9% |
Choice of Mastercard or Visa |
| Barclaycard Plat BT + Purcha | 1.70% | Open | 2.25% | 9 | 14.9% |
|
| BOI Mastercard Gold | 2.98% | Open | 3.00% | 9 | 16.9% |
Min salary £15K |
| GE Money | 2.99% | Open | 3.00% | 9 | 15.9% |
|
| PayPal | 2.99% | Open | 3.00% | 9 | 16.9% |
|
| Asda Everyday Card | 2.99% | Open | 3.00% | 9 | 17.8% |
|
| SkyCard | 2.99% | Open | 2.50% | 9 | 17.9% |
|
| Unite | 3.00% | Open | 1.00% | 9 | 14.9% |
|
| The AA Credit Card | 3.00% | Open | 2.00% | 9 | 15.9% |
|
| Abbey "Essentials" Card | 3.00% | Open | 2.25% | 9 | 18.9% |
|
| Marks & Spencer | 2.00% | Open | 2.50% | 6 | 15.9% |
(S)BT via Sterling travellers cheques for a 1% fee. See 'M&S Travel Money' |
| Saga Platinum | 2.00% | Open | 3.00% | 6 | 15.9% |
Age 50+ only |
| Yorkshire Bank Gold | 2.50% | Open | 2.50% | 6 | 15.9% |
|
| Clydesdale Bank Gold | 2.50% | Open | 2.50% | 6 | 15.9% |
|
| John Lewis | 2.50% | Open | 3.00% | 6 | 16.9% |
|
| Yorkshire BS | 2.50% | Open | 2.00% | 6 | 17.9% |
Min salary £12K |
| Tesco Clubcard In-Store Special | 2.90% | Open | 3.00% | 6 | 16.9% |
In-store applications only |
| BOI Ulster Rugby Card | 2.98% | Open | 3.00% | 6 | 17.9% |
Some issues, see forum |
| BOI Moneyback | 2.98% | Open | 3.00% | 6 | 17.9% |
|
| Debenhams | 2.99% | Open | 4.00% | 6 | 19.9% |
|
| LTSB Airmiles Duo | 3.00% | Open | 2.00% | 6 | 15.9% |
Must make min £100 purchase, & BT within first 6 weeks |
| Co-op Members' Card | 3.00% | Open | 2.00% | 6 | 15.9% |
|
| Co-op Affinity Platinum | 3.00% | Open | 2.00% | 6 | 16.9% |
Various causes |
| Co-op Affinity Standard | 3.00% | Open | 2.00% | 6 | 18.9% |
Various causes |
| GM Card | 2.00% | Open | 2.00% | 5 | 14.9% |
|
Table | 0% Balance transfer credit cards |