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0% Balance transfer credit cards
Easy Comparison of every UK Credit Card - If you need to Transfer a Balance or compare your credit card then 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 |
|---|---|---|---|---|---|---|---|
| Santander Zero Fee-Free Special | No fee | N/A | 2.25% | 6 | 18.9% |
 Must hold a Santander branded (inc A&L) current account or mortgage
| £105.17 |
Apply for A Santander current account and get £100 cashback
Unlimited Fees
Profit is based on a balance transfer of £1000 and a savings rate of 2.80 AERChange them here to see new figures |
| Card | Fee | Max | min pay | 0% | APR | Notes | Profit |
|---|---|---|---|---|---|---|---|
| Barclaycard Platinum with BT | 2.90% | Open | 2.25% | 16 | 16.9% |
Max BT is 90% of credit limit. 0% until June 2011
| £-36.67 |
| RBS Platinum | 2.90% | Open | 2.25% | 16 | 16.9% |
Min £10K income
| £-36.67 |
| NatWest Platinum | 2.90% | Open | 2.25% | 16 | 16.9% |
Min £10K income
| £-36.67 |
| Yorkshire Bank Gold | 3.00% | Open | 2.50% | 16 | 16.9% |
Must be a YB customer
| £-51.34 |
| Clydesdale Bank Gold | 3.00% | Open | 2.50% | 16 | 16.9% |
Must be a CB customer
| £-51.34 |
| 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
| £-54.27 |
| First Direct Gold | 2.90% | Open | 3.00% | 15 | 16.9% |
Need to be a First Direct '1st Account' holder
| £-62.21 |
| Nationwide Gold Card | 3.00% | Open | 3.00% | 15 | 16.9% |
Can only ever have one 0% introductory offer. £25K min income.
| £-72.26 |
| Halifax Rewards Card - BTs | 3.00% | Open | 1.00% | 15 | 16.9% |
Must already have, or open, a Halifax current account
| £-38.32 |
| Virgin Money Card | 2.98% | Open | 1.00% | 14 | 16.6% |
** Money transfer (SBT) fee is now 4% **
| £-52.82 |
| MBNA Platinum Plus Visa | 1.90% | Open | 1.00% | 13 | 16.9% |
1.9% fee for money transfers
| £38.70 |
| MBNA Platinum Visa | 2.90% | Open | 1.00% | 13 | 16.9% |
| £-61.44 |
| MBNA Platinum Rewards | 2.90% | Open | 1.00% | 13 | 16.9% |
** Money transfer (SBT) fee is now 4% **
| £-61.44 |
| Halifax Plus | 3.00% | Open | 1.00% | 13 | 16.9% |
| £-71.45 |
| Santander Credit Card | 3.00% | Open | 2.25% | 13 | 16.9% |
Min payments are largest of 2.25% or fees + £5, phone app only 0800 022 3307
| £-88.04 |
| Egg Card | 3.00% | Open | 2.00% | 13 | 17.9% |
| £-84.84 |
| Barclaycard Platinum Purchase | 2.90% | Open | 2.25% | 12 | 16.9% |
| £-92.36 |
| Post Office Platinum | 2.98% | Open | 2.50% | 12 | 16.9% |
Min salary £20K. Two anniversary offers.
| £-103.08 |
| Virgin Money BT/Purchase Card | 2.98% | Open | 1.00% | 12 | 18.9% |
| £-86.21 |
| Post Office Classic | 2.98% | Open | 2.50% | 12 | 19.9% |
Min salary £8K. Two anniversary offers.
| £-103.08 |
| Asda Reward Card | 2.99% | Open | 3.00% | 12 | 16.8% |
| £-109.34 |
| PayPal Mastercard | 2.99% | Open | 5.00% | 12 | 17.9% |
| £-128.72 |
| Debenhams | 2.99% | Open | 4.00% | 12 | 19.9% |
| £-119.35 |
| LTSB Platinum | 3.00% | Open | 2.00% | 12 | 15.9% |
Must make min £100 purchase, & BT within first 6 weeks.
| £-99.65 |
| Sainsbury's (Nectar Cardholder) | 3.00% | Open | 2.25% | 12 | 15.9% |
Must have swiped your Nectar card in store in the last 6 months.
| £-102.39 |
| bmi American Express | 3.00% | Open | 1.00% | 12 | 16.9% |
| £-88.22 |
| Sonycard | 3.00% | Open | 1.00% | 12 | 16.9% |
| £-88.22 |
| Breast Cancer | 3.00% | Open | 1.00% | 12 | 16.9% |
| £-88.22 |
| ICICI Rewards Card | 3.00% | Open | 1.00% | 12 | 16.9% |
** Money transfer (SBT) fee is now 4% **
| £-88.22 |
| Norwich & Peterborough Card | 3.00% | Open | 1.00% | 12 | 16.9% |
** Money transfer (SBT) fee is now 4% **
| £-88.22 |
| Halifax All In One Card | 3.00% | Open | 1.00% | 10 | 15.9% |
| £-122.14 |
| BOS All In One Card | 3.00% | Open | 1.00% | 10 | 15.9% |
| £-122.14 |
| Barclaycard Breathe | 3.00% | Open | 2.25% | 10 | 16.9% |
Max BT £5K
| £-131.99 |
| BT Credit Card | 3.00% | Open | 1.00% | 10 | 16.9% |
| £-122.14 |
| Tesco Clubcard | 2.90% | Open | 3.00% | 9 | 16.9% |
| £-141.80 |
| BOI Mastercard Gold | 2.98% | Open | 3.00% | 9 | 16.9% |
Min salary £15K
| £-149.81 |
| Saga Platinum | 3.00% | Open | 3.00% | 9 | 11.9% |
Age 50+ only
| £-151.82 |
| Sainsbury's (No Nectar Card) | 3.00% | Open | 2.25% | 9 | 15.9% |
| £-147.26 |
| Halifax Rewards Card - Purchases | 3.00% | Open | 1.00% | 9 | 15.9% |
Must already have, or open, a Halifax current account
| £-139.29 |
| Halifax Charity Card | 3.00% | Open | 1.00% | 9 | 16.9% |
| £-139.29 |
| BOS Union Card | 3.00% | Open | 1.00% | 9 | 17.9% |
| £-139.29 |
| The AA Card | 3.00% | Open | 1.00% | 9 | 18.9% |
| £-139.29 |
| Play.com | 1.50% | Open | 1.00% | 6 | 16.9% |
| £-41.55 |
| Virgin Atlantic 'White' | 2.00% | Open | 1.00% | 6 | 17.9% |
Low minimum payments during intro offer
| £-91.56 |
| John Lewis | 2.50% | Open | 3.00% | 6 | 16.9% |
| £-146.97 |
| 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'
| £-185.67 |
| BOI Ulster Rugby Card | 2.98% | Open | 3.00% | 6 | 17.9% |
Some issues, see forum
| £-195.01 |
| BOI Moneyback | 2.98% | Open | 3.00% | 6 | 17.9% |
| £-195.01 |
| LTSB Airmiles Duo | 3.00% | Open | 2.00% | 6 | 15.9% |
Must make min £100 purchase, & BT within first 6 weeks
| £-194.34 |
| Co-op Members' Card | 3.00% | Open | 2.00% | 6 | 15.9% |
Min salary £10K
| £-194.34 |
| Co-op Affinity Platinum | 3.00% | Open | 2.00% | 6 | 16.9% |
Min salary £25K. Various causes
| £-194.34 |
| Co-op Affinity Standard | 3.00% | Open | 2.00% | 6 | 18.9% |
Various causes.
| £-194.34 |
| GM Card | 2.90% | Open | 2.00% | 5 | 14.9% |
| £-201.14 |
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.
MBNA Credit Cards acceptance criteria
You are currently employed
You are over 23 years of age
You are a homeowner
You have an income of over £20,000
You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
You are a resident in the UK and can prove residential addresses for the past two years