0% cards by RSS
0% Balance transfer credit cards
Here is our unbiased list of 0% balance transfer Credit Cards listing the charges and offers if any.
Cards with SBT facility
| Cards with No Fees |
| Card | Fee | Max | min pay | 0% | APR | Notes | Profit |
|---|---|---|---|---|---|---|---|
| Abbey Zero Fee-Free Special | No fee | N/A | 2.25% | 12 | 18.9% |
 Must hold a Santander branded (inc A&L) current account/mortgage
| £333.13 |
|
Unlimited Fees
Profit is based on a balance transfer of £1000 and a savings rate of 4.70 AER
|
| Card | Fee | Max | min pay | 0% | APR | Notes | Profit |
|---|---|---|---|---|---|---|---|
| Virgin Money Card | 2.98% | Open | 1.00% | 16 | 16.6% |
** Money transfer (SBT) fee is now 4% **
| £170.36 |
| Barclaycard Platinum | 2.90% | Open | 2.25% | 15 | 15.9% |
Max BT £5K.
| £113.78 |
| HSBC | 2.90% | Open | 2.50% | 15 | 16.9% |
Need to be a HSBC account holder and pay in £500 per month. Min salary £8,500
| £106.91 |
| First Direct Gold | 2.90% | Open | 3.00% | 15 | 16.9% |
| £93.60 |
| RBS Platinum | 2.90% | Open | 2.25% | 15 | 16.9% |
Min £10K income & must have an existing RBS product
| £113.78 |
| NatWest Platinum | 2.90% | Open | 2.25% | 15 | 16.9% |
Min £10K income & must have an existing NatWest product
| £113.78 |
| Abbey Credit Card | 3.00% | Open | 2.25% | 15 | 15.9% |
Min payments are largest of 2.25% or fees + £5, phone app only 0800 022 3307
| £103.71 |
| Egg Card | 3.00% | Open | 2.00% | 14 | 16.9% |
| £86.37 |
| MBNA Platinum Visa | 2.90% | Open | 1.00% | 13 | 16.9% |
| £94.04 |
| MBNA Platinum Rewards | 2.90% | Open | 1.00% | 13 | 16.9% |
** Money transfer (SBT) fee is now 4% **
| £94.04 |
| Halifax Plus | 3.00% | Open | 1.00% | 13 | 16.9% |
| £84.01 |
| Nationwide Gold Card | 3.00% | Open | 3.00% | 13 | 16.9% |
Can only ever have one 0% introductory offer. ?25K min income.
| £40.76 |
| BT Credit Card | 3.00% | Open | 1.00% | 13 | 16.9% |
| £84.01 |
| Barclaycard OnePulse cashback | 2.50% | Open | 2.25% | 12 | 14.9% |
Max BT £5K
| £82.06 |
| Barclaycard Breathe | 2.50% | Open | 2.25% | 12 | 14.9% |
Max BT £5K
| £82.06 |
| Post Office Platinum | 2.98% | Open | 2.50% | 12 | 16.9% |
Min salary £20K. Two anniversary offers.
| £29.35 |
| Post Office Classic | 2.98% | Open | 2.50% | 12 | 19.9% |
Min salary £8K. Two anniversary offers.
| £29.35 |
| Asda Reward Card | 2.99% | Open | 3.00% | 12 | 16.8% |
| £19.54 |
| The AA Card | 2.99% | Open | 1.00% | 12 | 16.9% |
| £56.56 |
| Debenhams | 2.99% | Open | 4.00% | 12 | 19.9% |
| £2.79 |
| bmi American Express | 3.00% | Open | 1.00% | 12 | 15.9% |
| £55.56 |
| LTSB Platinum | 3.00% | Open | 2.00% | 12 | 15.9% |
Must make min £100 purchase, & BT within first 6 weeks.
| £36.44 |
| Sonycard | 3.00% | Open | 1.00% | 12 | 15.9% |
| £55.56 |
| Breast Cancer | 3.00% | Open | 1.00% | 12 | 15.9% |
| £55.56 |
| ICICI Rewards Card | 3.00% | Open | 1.00% | 12 | 15.9% |
** Money transfer (SBT) fee is now 4% **
| £55.56 |
| Norwich & Peterborough Card | 3.00% | Open | 1.00% | 12 | 15.9% |
** Money transfer (SBT) fee is now 4% **
| £55.56 |
| Yorkshire Bank Gold | 3.00% | Open | 2.50% | 12 | 16.9% |
| £27.34 |
| Clydesdale Bank Gold | 3.00% | Open | 2.50% | 12 | 16.9% |
| £27.34 |
| Abbey Zero Card | 3.00% | Open | 2.25% | 12 | 18.9% |
Available from 11/5/09
| £31.85 |
| Sainsbury's Credit Card | 3.00% | Open | 2.25% | 10 | 15.9% |
| £-18.34 |
| BOI Mastercard Gold | 2.98% | Open | 3.00% | 9 | 16.9% |
Min salary £15K
| £-49.75 |
| Saga Platinum | 3.00% | Open | 3.00% | 9 | 11.9% |
Age 50+ only
| £-51.76 |
| Halifax All In One Card | 3.00% | Open | 1.00% | 9 | 15.9% |
| £-30.84 |
| BOS All In One Card | 3.00% | Open | 1.00% | 9 | 15.9% |
| £-30.84 |
| Halifax Charity Card | 3.00% | Open | 1.00% | 9 | 16.9% |
| £-30.84 |
| BOS Union Card | 3.00% | Open | 1.00% | 9 | 17.9% |
| £-30.84 |
| Halifax Rewards Card | 3.00% | Open | 1.00% | 9 | 17.9% |
Must already have, or open, a Halifax current account
| £-30.84 |
| Play.com | 1.50% | Open | 1.00% | 6 | 15.9% |
** Money transfer (SBT) fee is now 4% **
| £31.21 |
| Tesco Clubcard | 2.00% | Open | 3.00% | 6 | 16.9% |
| £-27.76 |
| Virgin Atlantic 'White' | 2.00% | Open | 1.00% | 6 | 17.9% |
Low minimum payments during intro offer
| £-18.81 |
| John Lewis | 2.50% | Open | 3.00% | 6 | 16.9% |
| £-77.83 |
| Marks & Spencer | 2.90% | Open | 2.50% | 6 | 15.9% |
10 month 0% SBT via Sterling travellers cheques. 1% fee. See 'M&S Travel Money'
| £-115.67 |
| BOI Ulster Rugby Card | 2.98% | Open | 3.00% | 6 | 17.9% |
Some issues, see forum
| £-125.89 |
| BOI Moneyback | 2.98% | Open | 3.00% | 6 | 17.9% |
| £-125.89 |
| LTSB Airmiles Duo | 3.00% | Open | 2.00% | 6 | 15.9% |
Must make min £100 purchase, & BT within first 6 weeks
| £-123.44 |
| Co-op Members' Card | 3.00% | Open | 2.00% | 6 | 15.9% |
Min salary £10K
| £-123.44 |
| Co-op Affinity Platinum | 3.00% | Open | 2.00% | 6 | 16.9% |
Min salary £25K. Various causes
| £-123.44 |
| Co-op Affinity Standard | 3.00% | Open | 2.00% | 6 | 18.9% |
Various causes.
| £-123.44 |
| GM Card | 2.90% | Open | 2.00% | 5 | 14.9% |
| £-141.64 |
Table | 0% Balance transfer credit cards | Profit column based on standard tax and a £10,000 transfer. Click the figure to adjust to your personal preferences.