Compare the UK’s Top 0% Balance Transfer Credit Cards

		Bal. Transfers		Intro Purchases			Instant decision
	Overall Rating	Rate	Duration	Rate	Duration	Representative Example

Barclaycard Platinum - 22 month
More Info

One of the longest 0% offers. Significantly lower fee than any card with this length 0% period

0.0%

for 22 months
(2.9% fee)

17.9%

3
months

17.9% APR
Representative (Variable)

Based on an interest rate on Purchases of 17.9% and an example credit limit of £1,200

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Halifax Balance Transfer Credit Card
More Info

0% on balance transfers for 22 months - one of the longest 0% offers in the UK

0.0%

22 months
(3.5% fee)

0.0%

3
months

17.9% APR
Representative (Variable)

Based on an interest rate on Purchases of 17.9% and an example credit limit of £1,200

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Barclaycard Platinum - 21 month
More Info

Long 0% offer with a lower fee than many cards with similar 0% periods.

0.0%

for 21 months
(2.6% fee)

0.0%

3
months

17.9% APR
Representative (Variable)

Based on an interest rate on Purchases of 17.9% and an example credit limit of £1,200

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Virgin
More Info

One of the longest 0% periods, plus get access to discounts on Virgin products

0.0%

for 20 months
(2.99% fee)

0.0%

3
months

16.8% APR
Representative (Variable)

Based on an interest rate on Purchases of 16.8% and an example credit limit of £1,200

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Halifax 20 Month Balance Transfer Card
More Info

0% for 20 months on balances transferred to the card, one of the longest offers in the UK

0.0%

20 months
(3% fee)

0.0%

3
months

16.9% APR
Representative (Variable)

Based on an interest rate on Purchases of 16.94% and an example credit limit of £1,200

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Fluid
More Info

0% on Balance Transfers for 16 months. New offer

0.0%

16
months
(2.9% fee)

0.0%

3
months

16.9% APR
Representative (Variable)

Based on an interest rate on Purchases of 16.9% and an example credit limit of £1,200

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Nationwide
More Info

Lowest APR in this section of the market. Use it to earn commission free spending abroad.

0.0%

for 17 months
(2.95% fee)

0.0%

3
months

15.9% APR
Representative (Variable)

Based on an interest rate on Purchases of 15.9% and an example credit limit of £1,200

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Bank of Scotland Plus
More Info

Pay no interest on existing credit card debts transferred to the card for 18 months

0.0%

for 18 months
(3% fee)

0.0%

3
months

16.9% APR
Representative (Variable)

Based on an interest rate on Purchases of 16.9% and an example credit limit of £1,200

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NatWest Platinum
More Info

One of the longest Balance Transfer offers in the UK with a competitive 0% purchase period.

0.0%

for 18 months
(2.9% fee)

0.0%

for 6 months

16.6% APR
Representative (Variable)

Based on an interest rate on Purchases of 16.6% and an example credit limit of £1,200

Apply >

RBS Platinum
More Info

One of the longest Balance Transfer offers in the UK with a competitive 0% purchase period.

0.0%

for 18 months
(2.9% fee)

0.0%

for 6 months

16.6% APR
Representative (Variable)

Based on an interest rate on Purchases of 16.6% and an example credit limit of £1,200

Apply >

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Credit Card Guides

Our credit card introduction, credit brokerage and credit intermediary services (excluding the Granite Card) are provided by Media Ingenuity Ltd trading as TotallyMoney. Media Ingenuity Ltd is an independent credit broker and/or credit intermediary for the purposes of the Consumer Credit Act 1974. The product information is obtained from independent sources and rates may vary depending on your financial circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider. We do not give financial advice. We provide this service free of charge but may receive commission or payment from credit card issuers for introductions or assistance with preparatory work. Should you choose to proceed, our partners may charge you fees for their products or services.

The Granite card is promoted by MI Money Ltd and issued by Vanquis Bank Limited. MI Money Ltd is a tied credit intermediary of Vanquis Bank Limited and promotes the Granite card exclusively in partnership with Vanquis Bank.

Vanquis Bank can be contacted at its registered office at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 2558509. Vanquis’ consumer credit activities are licensed by the Office of Fair Trading (Consumer Credit Licence number 532364). Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

The Fluid credit card is promoted by MI Money Ltd and issued by MBNA Europe Bank Limited, a Bank of America company. MI Money Ltd is a tied credit intermediary of MBNA and promotes the Fluid card exclusively in partnership with MBNA.

MBNA can be contacted at its registered office at Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered number 2783251. MBNAs consumer credit activities are licensed by the Office of Fair Trading (Consumer Credit Licence number 0363167) and MBNA’s general insurance activities are authorised and regulated by the Financial Services Authority.

TotallyMoney is owned and operated by Media Ingenuity Ltd (company number 06205695). Trading Address: 3rd Floor, Holden House, 57 Rathbone Place, London, W1T 1JU. Registered Office: Eastcastle House, 27-28 Eastcastle Street, London, W1W 8DH. Registered in England and Wales.