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0% Balance Transfer Credit Cards

Balance Transfer Credit Cards

Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.

Bank of Scotland

Platinum 0% Purchase & Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for 17 months reverting to 24.94% (variable) p.a.

Balance Transfers

0% for 17 months then 24.94% (variable) p.a. (2.99% fee for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The Platinum 0% Purchase & Balance Transfer card is suitable for individuals looking for an extended 0% interest period on both purchases and balance transfers. It may help with spreading the cost of larger expenses or consolidating existing balances, provided the balance is repaid before the promotional period ends.

Issuer Bank of Scotland
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening None
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for 17 months reverting to 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 17 months then 24.94% (variable) p.a. (2.99% fee for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Bank of Scotland

Platinum Low Fee 0% Balance Transfer

4.1

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 6 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 22 months then 24.94% (variable) p.a. (1.99% fee for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.1

OUR RATING

Quick Look

The Platinum Low Fee 0% Balance Transfer card offers up to 22 months of 0% interest on balance transfers, providing nearly two years to pay off existing debt. It also includes 6 months of 0% interest on purchases, making it a flexible option for managing both new and existing balances, provided repayments are made in full before the promotional periods end.

Issuer Bank of Scotland
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening None
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 6 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 22 months then 24.94% (variable) p.a. (1.99% fee for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

All Rounder Platinum

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 24 months

Balance Transfers

0% for 21 months then 24.94% (variable) p.a. (2.95% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The All Rounder Platinum credit card is an option for those seeking extended interest-free periods on both purchases and balance transfers. It also comes with the added benefit of no annual fees, making it a flexible choice for managing short- to mid-term borrowing.

Issuer Barclaycard
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest purchase offer for up to 23 months and up to 20 months for balance transfers
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 24 months
Purchases Interest Free Period 56 days
Balance Transfers 0% for 21 months then 24.94% (variable) p.a. (2.95% fee)
Balance Transfer Fee (%) 2.95%
Cash Advances 24.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 50.00
Maximum Credit Limit Subject to application, financial circumstances and borrowing history

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

Platinum No Fee Balance Transfer

4.1

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 14 months, then 24.90% (variable) p.a. No transfer fees.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.1

OUR RATING

Quick Look

The Platinum No Fee Balance Transfer credit card offers 0% interest on balance transfers for up to 14 months with no transfer fees. It’s suited to those looking to repay existing credit card debt, provided the balance is cleared within the promotional period.

Issuer Barclaycard
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening No transfer fees, 0% interest on balance transfer for up to 14 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 14 months, then 24.90% (variable) p.a. No transfer fees.
Balance Transfer Fee (%) 0.00%
Cash Advances 24.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 50.00
Maximum Credit Limit Subject to application, financial circumstances and borrowing history

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

Platinum Balance Transfer

4.1

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 22 months, then 24.90% (variable) p.a. (1.99% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.1

OUR RATING

Quick Look

The Platinum Balance Transfer credit card offers up to 22 months of 0% interest on balance transfers, with no annual fees. If you repay the transferred balance in full within the promotional period, you won’t pay any interest on that amount making it a useful option for debt consolidation.

Issuer Barclaycard
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on balance transfers for up to 22 months for transfers made within the first 60 days.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 22 months, then 24.90% (variable) p.a. (1.99% fee)
Balance Transfer Fee (%) 1.99%
Cash Advances 24.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 50.00
Maximum Credit Limit Subject to application, financial circumstances and borrowing history

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Barclaycard

Platinum Longer Balance Transfer

4.6

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

24.90% (variable) p.a.

Balance Transfers

0% for up to 33 months, then 24.90% (variable) p.a. (3.19% fee).

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, at a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.6

OUR RATING

Quick Look

The Platinum Longer Balance Transfer credit card offers 0% interest on balance transfers for up to 33 months, making it a suitable option for those with larger balances to repay over time. It comes with a 3.45% balance transfer fee which may be offset by the extended interest-free period.

Issuer Barclaycard
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening Benefit from 33 months interest free on your balance transfer.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for up to 33 months, then 24.90% (variable) p.a. (3.19% fee).
Balance Transfer Fee (%) 3.19%
Cash Advances 24.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 50.00
Maximum Credit Limit Subject to application, financial circumstances and borrowing history

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

first direct

Balance Transfer Credit Card

4.1

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

24.90% (variable) p.a.

Balance Transfers

0% for 20 months (transfer made within 90 days), then 24.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.1

OUR RATING

Quick Look

The first direct Balance Transfer Credit Card is available exclusively to existing first direct customers. It offers up to 20 months of 0% interest on balance transfers made within the first 90 days of account opening, making it a strong option for consolidating existing credit card debt if repaid within the promotional window.

Issuer first direct
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on balance transfers for the first 20 months made within 90 days, with a 2.99% balance transfer fee (minimum £5)
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 20 months (transfer made within 90 days), then 24.90% (variable) p.a.
Balance Transfer Fee (%) 2.99%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

Purchase & Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 17 months, then 24.94% (variable) p.a.

Balance Transfers

0% for 17 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The Halifax Purchase & Balance Transfer credit card offers up to 17 months of 0% interest on both purchases and balance transfers. It’s a well rounded option for those looking to spread the cost of new spending or consolidate existing balances within an interest free period.

Issuer Halifax
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% for up to 17 months on purchases and balance transfers (transfers must be made within the first 90 days).
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 17 months, then 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 17 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

Longest 0% Balance Transfer

4.6

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 6 months, then 24.94% (variable) p.a.

Balance Transfers

0% for 29 months, then 24.94% (variable) p.a. (3.49% for 3 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.6

OUR RATING

Quick Look

The Halifax Longest 0% Balance Transfer credit card offers up to 29 months of 0% interest on balance transfers, making it one of the longer balance transfer options currently available. It may suit individuals looking to spread repayments on existing debt over a longer period without incurring interest.

Issuer Halifax
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on Balance Transfers for 27 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 6 months, then 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 29 months, then 24.94% (variable) p.a. (3.49% for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

HSBC

Balance Transfer Credit Card

4.5

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 33 months, then 24.90% (variable) p.a.

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.5

OUR RATING

Quick Look

The HSBC Balance Transfer Credit Card offers up to 33 months of 0% interest on balance transfers, making it one of the longest balance transfer offers currently available. It may be a suitable choice for those looking to spread the cost of existing credit card debt over an extended period without paying interest provided the balance is cleared within the promotional window.

Issuer HSBC
Network Visa
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on Balance Transfers for 33 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 33 months, then 24.90% (variable) p.a.
Balance Transfer Fee (%) 3.19%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Showing 1-10 of 42 Balance Transfer credit cards