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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.
Card with SBT facility
| Cards with No Fees |
| Card | Fee | Max | min pay | 0% | APR | Notes |
|---|---|---|---|---|---|---|
| Norwich & Peterborough | No fee | N/A | 2.00% | 6 | 14.9% |
 No BT Fee if society member |
| 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% |
First min payment is around 2.5%. Subsequent min payments are ?5. |
| Britannia Platinum | No fee | N/A | 2.00% | 5 | 15.9% |
No BT fee if society member. Min salary £25K |
| Brittania Classic | No fee | N/A | 2.00% | 5 | 16.9% |
No BT fee if society member. |
| ICICI Credit | No fee | N/A | 5.00% | 3 | 14.0% |
|
| Egg Money | No fee | N/A | 2.00% | 0 | 7.9% |
Pays interest on positive balances |
| Capped Fees |
| Card | Fee | Max | min pay | 0% | APR | Notes |
|---|---|---|---|---|---|---|
| John Lewis | 2.00% | 50 | 3.00% | 6 | 16.9% |
|
| Virgin Atlantic 'White' | 2.00% | 50 | 2.25% | 6 | 17.9% |
First min payment is lesser of 2.25% or £55, then £5 per month. |
| Unlimited Fees |
| Card | Fee | Max | min pay | 0% | APR | Notes |
|---|---|---|---|---|---|---|
| Cap One BT + Purchase Card | 3.00% | Open | 3.00% | 16 | 15.9% |
"Excellent" credit rating required. See website. |
| Virgin Money Card | 2.98% | Open | 3.00% | 15 | 15.9% |
First min payment is around 3%. Subsequent min payments are £25 |
| Cap One Platinum | 3.00% | Open | 3.00% | 15 | 12.9% |
"Excellent" credit rating required. See website. |
| The Halifax Credit Card | 3.00% | Open | 2.00% | 15 | 16.9% |
|
| Halifax Plus | 3.00% | Open | 2.00% | 15 | 16.9% |
|
| Barclaycard OnePulse | 2.90% | Open | 2.25% | 14 | 14.9% |
|
| Barclaycard Platinum | 2.90% | Open | 2.25% | 14 | 14.9% |
Max BT £5K |
| MBNA Platinum Plus | 2.90% | Open | 3.00% | 14 | 15.9% |
First min payment is around 3%. Subsequent min payments are ?25. |
| LTSB Platinum | 3.00% | Open | 2.00% | 14 | 15.9% |
Must make min £100 purchase, & BT within first 6 weeks. |
| HSBC | 2.50% | Open | 2.50% | 13 | 16.9% |
|
| Mint | 2.90% | Open | 2.25% | 13 | 14.9% |
Anniversary BT offer in October 2009. Classic card max credit limit £7.5K. |
| RBS Platinum | 2.90% | Open | 2.25% | 13 | 15.9% |
Min salary £25K |
| Tesco Bonus Card | 2.90% | Open | 3.00% | 13 | 15.9% |
|
| RBS Gold | 2.90% | Open | 2.25% | 13 | 15.9% |
Min salary £20K |
| RBS Classic | 2.90% | Open | 2.25% | 13 | 15.9% |
Min salary £10K |
| Natwest Gold | 2.90% | Open | 2.25% | 13 | 15.9% |
Min salary £20K |
| Natwest Classic | 2.90% | Open | 2.25% | 13 | 15.9% |
Min salary £10K |
| Natwest Platinum | 2.90% | Open | 2.25% | 13 | 15.9% |
Min salary £25K |
| Citibank Platinum | 2.90% | Open | 2.25% | 13 | 16.9% |
|
| Tesco Clubcard | 2.90% | Open | 3.00% | 13 | 16.9% |
|
| Abbey "Organic" Card | 3.00% | Open | 2.25% | 13 | 15.9% |  Branch/phone applications only. Low minimum payments. |
| Egg Card | 3.00% | Open | 2.00% | 13 | 16.9% |
Anniversary BT offer only 2.5% fee |
| Barclays Football card | 2.50% | Open | 2.25% | 12 | 14.9% |
|
| Barclaycard Plat Cashback | 2.50% | Open | 2.25% | 12 | 16.9% |
Max BT £5K |
| SkyCard | 2.99% | Open | 2.50% | 12 | 16.9% |
|
| 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. |
| 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% | 12 | 15.9% |
|
| Alliance & Leicester | 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 |
| bmibaby | 3.00% | Open | 2.25% | 12 | 16.9% |
|
| Citibank Shell Mastercard | 3.00% | Open | 2.25% | 12 | 16.9% |
|
| Nationwide Gold Card | 2.50% | Open | 3.00% | 10 | 15.9% |
Can only ever have one 0% introductory offer |
| Post Office Platinum | 2.75% | Open | 2.50% | 10 | 15.9% |
Min salary £20K. Two anniversary offers. |
| Post Office Classic | 2.75% | Open | 2.50% | 10 | 17.9% |
Min salary £8K. Two anniversary offers. |
| Halifax All In One Card | 3.00% | Open | 2.00% | 10 | 15.9% |
|
| Capital One Mastercard | 3.00% | Open | 3.00% | 10 | 19.9% |
"Good" credit rating required. See website. |
| 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% |
|
| PayPal | 2.50% | Open | 3.00% | 9 | 12.9% |
|
| Mastercard Gold | 2.50% | Open | 3.00% | 9 | 15.9% |
Min salary £15K |
| GE Money | 2.50% | Open | 3.00% | 9 | 15.9% |
|
| ASDA | 2.50% | Open | 3.00% | 9 | 17.8% |
|
| Halifax One | 3.00% | Open | 2.00% | 9 | 9.9% |
|
| Unite | 3.00% | Open | 2.00% | 9 | 14.9% |
|
| Amazon | 3.00% | Open | 2.00% | 9 | 15.9% |
|
| Smart Card | 3.00% | Open | 2.00% | 9 | 16.9% |
|
| EasyJet | 3.00% | Open | 2.25% | 9 | 16.9% |
Free flight offer |
| Saga Platinum | 2.00% | Open | 3.00% | 6 | 15.9% |
Age 50+ only |
| Marks & Spencer | 2.00% | Open | 2.50% | 6 | 18.9% |
BT via Sterling travellers cheques for a 1% fee. See 'M&S Travel Money' |
| Stroud/Swindon Platinum | 2.50% | Open | 2.00% | 6 | 14.9% |
Min salary £25K and must already hold a credit card. Min credit limit £5K. |
| Yorkshire Bank Gold | 2.50% | Open | 2.50% | 6 | 15.9% |
|
| Clydesdale Bank Gold | 2.50% | Open | 2.50% | 6 | 15.9% |
|
| Ulster Rugby Card | 2.50% | Open | 3.00% | 6 | 16.9% |
Some issues, see forum |
| Yorkshire BS | 2.50% | Open | 2.00% | 6 | 17.9% |
Min salary £12K |
| Stroud/Swindon Advantage | 2.50% | Open | 2.00% | 6 | 18.9% |
Min salary £10K |
| 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% |
|
| Citibank Audi card | 3.00% | Open | 2.25% | 0 | 16.9% |
|
Table | 0% Balance transfer credit cards |