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How much will you transfer?£
How much can you pay monthly?£
What is your current %APR%APR

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 27 Month Balance Transfer Credit Card 21.9%
Virgin Money 27 Month Balance Transfer Credit Card 21.9% Image
Balance Transfer offer duration
27 months
Transfer Fee
1.45 %
Rep % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 27 Month Balance Transfer Credit Card 23.9%
Virgin Money 27 Month Balance Transfer Credit Card 23.9% Image
Balance Transfer offer duration
27 months
Transfer Fee
1.45 %
Rep % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 27 Month Balance Transfer Credit Card 25.9%
Virgin Money 27 Month Balance Transfer Credit Card 25.9% Image
Balance Transfer offer duration
27 months
Transfer Fee
1.45 %
Rep % APR (variable)
25.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

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MBNA Low Fee 0% Balance Transfer
MBNA Low Fee 0% Balance Transfer Image
Balance Transfer offer duration
26 months
Transfer Fee
1 %
Rep % APR (variable)
20.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 20.93% p.a. (variable) your representative APR will be 20.9% APR (variable)

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MBNA Long 0% Balance Transfer
MBNA Long 0% Balance Transfer Image
Balance Transfer offer duration
29 months
Transfer Fee
2.75 %
Rep % APR (variable)
20.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 20.93% p.a. (variable) your representative APR will be 20.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 29 Month Balance Transfer Credit Card 21.9%
Virgin Money 29 Month Balance Transfer Credit Card 21.9% Image
Balance Transfer offer duration
29 months
Transfer Fee
3 %
Rep % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 29 Month Balance Transfer Credit Card 23.9%
Virgin Money 29 Month Balance Transfer Credit Card 23.9% Image
Balance Transfer offer duration
29 months
Transfer Fee
3 %
Rep % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 29 Month Balance Transfer Credit Card 25.9%
Virgin Money 29 Month Balance Transfer Credit Card 25.9% Image
Balance Transfer offer duration
29 months
Transfer Fee
3 %
Rep % APR (variable)
25.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

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Halifax 25 Month Balance Transfer Credit Card
Halifax 25 Month Balance Transfer Credit Card Image
Balance Transfer offer duration
25 months
Transfer Fee
1 %
Rep % APR (variable)
19.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) your representative APR will be 19.9% APR (variable)

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M&S Bank Balance Transfer Credit Card
M&S Bank Balance Transfer Credit Card Image
Balance Transfer offer duration
28 months
Transfer Fee
2.85 %
Rep % APR (variable)
19.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APR will be 19.9% APR (variable)

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MBNA All Round Credit Card
MBNA All Round Credit Card Image
Balance Transfer offer duration
26 months
Transfer Fee
2.89 %
Rep % APR (variable)
20.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 20.93% p.a. (variable) your representative APR will be 20.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 24 Month Balance Transfer Credit Card 27.9%
Virgin Money 24 Month Balance Transfer Credit Card 27.9% Image
Balance Transfer offer duration
24 months
Transfer Fee
3 %
Rep % APR (variable)
27.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

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Guaranteed Rate

You are guaranteed to get the rate shown if you're accepted

Virgin Money 23 Month All Round Credit Card 21.9%
Virgin Money 23 Month All Round Credit Card 21.9% Image
Balance Transfer offer duration
23 months
Transfer Fee
2.9 %
Rep % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 23 Month All Round Credit Card 23.9%
Virgin Money 23 Month All Round Credit Card 23.9% Image
Balance Transfer offer duration
23 months
Transfer Fee
2.9 %
Rep % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 23 Month All Round Credit Card 25.9%
Virgin Money 23 Month All Round Credit Card 25.9% Image
Balance Transfer offer duration
23 months
Transfer Fee
2.9 %
Rep % APR (variable)
25.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 20 Month All Round Credit Card 27.9%
Virgin Money 20 Month All Round Credit Card 27.9% Image
Balance Transfer offer duration
20 months
Transfer Fee
2.9 %
Rep % APR (variable)
27.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

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Nationwide Credit Card
Nationwide Credit Card Image
Balance Transfer offer duration
12 months
Transfer Fee
0 %
Rep % APR (variable)
17.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) your representative APR will be 17.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money Travel Credit Card 21.9%
Virgin Money Travel Credit Card 21.9% Image
Balance Transfer offer duration
12 months
Transfer Fee
2 %
Rep % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money Travel Credit Card 23.9%
Virgin Money Travel Credit Card 23.9% Image
Balance Transfer offer duration
12 months
Transfer Fee
2 %
Rep % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money Travel Credit Card 25.9%
Virgin Money Travel Credit Card 25.9% Image
Balance Transfer offer duration
12 months
Transfer Fee
2 %
Rep % APR (variable)
25.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money Travel Credit Card 27.9%
Virgin Money Travel Credit Card 27.9% Image
Balance Transfer offer duration
12 months
Transfer Fee
2 %
Rep % APR (variable)
27.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

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Fluid 9 Month Balance Transfer
Fluid 9 Month Balance Transfer Image
Balance Transfer offer duration
9 months
Transfer Fee
4 %
Rep % APR (variable)
29.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 29.94% p.a. (variable) your representative APR will be 29.9% APR (variable)

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Aqua Classic Balance Transfer and Purchase Card
Aqua Classic Balance Transfer and Purchase Card Image
Balance Transfer offer duration
7 months
Transfer Fee
3 %
Rep % APR (variable)
34.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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HSBC Rewards Credit Card
HSBC Rewards Credit Card Image
Balance Transfer offer duration
6 months
Transfer Fee
2 %
Rep % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

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Virgin Atlantic Reward Credit Card
Virgin Atlantic Reward Credit Card Image
Balance Transfer offer duration
6 months
Transfer Fee
3 %
Rep % APR (variable)
22.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

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Guaranteed Rate

You are guaranteed to get the rate shown if you're accepted

Capital One Balance Card
Capital One Balance Card Image
Balance Transfer offer duration
6 months
Transfer Fee
3 %
Rep % APR (variable)
34.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

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aqua classic with 6 month 0% Balance Transfer
aqua classic with 6 month 0% Balance Transfer Image
Balance Transfer offer duration
6 months
Transfer Fee
3 %
Rep % APR (variable)
34.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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marbles Classic with 5 month 0% Balance Transfer
marbles Classic with 5 month 0% Balance Transfer Image
Balance Transfer offer duration
5 months
Transfer Fee
3 %
Rep % APR (variable)
34.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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Virgin Atlantic Reward Plus Credit Card
Virgin Atlantic Reward Plus Credit Card Image
Balance Transfer offer duration
6 months
Transfer Fee
3 %
Rep % APR (variable)
63.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with an annual fee of £160 your representative APR will be 63.9% APR (variable)

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What is a balance transfer credit card?

A 0% balance transfer card can be an effective way to cut the cost of existing debt – you can transfer your existing credit card balance and take advantage of a 0% interest rate for a set period of time.

If you’re currently paying interest, you could save money.


How much could I save?

Use our helpful Savings Calculator at the top of this page to find out how much a balance transfer could save you.

You can also move debts from multiple cards onto a single balance transfer card. With some cards, this can include overdraft debt, too – potentially saving you hundreds, if not thousands of pounds.


What will it cost?

There is a fee to pay, typically 1–3%, when you move your debt onto a balance transfer card. In most cases, this is dwarfed by the savings you could make.

Our personalised comparison tool will calculate the amount you could save, taking into account the balance transfer fee, making it easy to see which card is your most cost-effective option.


Which balance transfer card is right for me?

Consider the following when deciding on a balance transfer card:

  • The length of time it will take you to clear the debt against the size of the balance transfer fee. The shorter the 0% deal, the lower the fee tends to be.

  • Your credit history. Many balance transfer cards require you to have a good credit score. Use our free eligibility checker to find out your chances of acceptance, without harming your credit rating.


How do I transfer a balance?

Making a balance transfer is incredibly easy. Simply give the balance transfer card lender the details of the debts you want to transfer. They will pay off those debts and create a new balance on your 0% card.

You usually need to do this within 60–90 days of taking out the new card. Be sure to close your old cards, as having multiple accounts open can affect your credit rating.


The golden rules of balance transfer

Here’s how to make sure you manage your balance transfer card wisely:

  • Never miss a payment: A balance transfer card can give you a lot more control over the amount you repay each month. If you miss a payment, or are late making a payment, you may incur a financial penalty. Avoid this by setting up a direct debit to repay at least the minimum every month.

  • Never outstay your welcome: The 0% interest deal is only for a limited time. When it runs out any remaining balance will start earning interest at an often much higher rate. Clear your debt before the end of the deal or switch the debt to a new balance transfer card.

  • Never spend on a balance transfer card: Avoid spending or withdrawing cash on your balance transfer card. The 0% deal is only offered on the balance moved from another credit source. Anything additional to this will be charged interest and the rate on balance transfer cards tends to be quite high.

If you do need a card that you can transfer a balance to and spend on, consider a combined balance transfer and 0% purchase card which offer interest free deals on both – find a combined card.