Compare 0% Balance Transfer Credit Cards

  • Transfer debt from an existing card
  • Take advantage of 0% interest free period
  • Search by transfer period and APR rate
ASDA Cashback Credit Card Credit Card Offers
APR Rate
19.90%
Balance Transfer
12 Months
Representative Example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).

Apply Online
Credit CardAPR0% Balance Transfer0% PurchaseRepresentative Example:
Asda Cashback Credit Card


  • Unlimited Cashback vouchers - 1% at ASDA.com, Asda stores, Asda Living, Asda petrol stations and George.com plus 0.2% everywhere else

  • 10% cashback on selected Asda insurance products

  • See if you're eligible before applying without affecting your credit score

  • Get an instant decision

  • Winner of Best Credit Card Product of the Year – Card and Payment Awards 2017

19.90%12 Months0 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Asda Cashback Plus Credit Card


  • Get twice as much cashback as you would with Asda Cashback card.

  • Unlimited cashback wherever you shop

  • See if you're eligible before applying without affecting your credit score

26.20%15 Months0 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, with a £3 monthly fee, your representative APR is 26,2% APR (variable).Apply
Bank of Scotland Classic Credit Card


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

27.90%18 Months09 MonthsWhen you spend £1,200 at a purchase rate of 27.95% (variable) per annum, your representative APR is 27.9% APR (variable).Apply
Bank of Scotland Platinum Balance Transfer Card (24 Months)


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

19.90%24 Months24 MonthsWhen you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Bank of Scotland Platinum Balance Transfer Card (30 Months)


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

19.90%30 Months12 MonthsWhen you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Barclaycard Freedom Rewards


  • Everytime you spend on your card you'll earn Freedom Points

  • Redeem points for great rewards - £1=2 points at supermarkets, petrol stations and Transport for London. £1=1 point everywhere else.

  • No limit to number of earned points

21.90%12 Months12 MonthsWhen you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).Apply
Barclaycard Platinum Balance Transfer (25 Months)


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

19.90%25 Months06 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Barclaycard Platinum Balance Transfer (35 Months)


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

19.90%35 Months06 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Barclaycard Platinum Credit Card All-Rounder


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

19.90%27 Months27 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
Capital One Balance Transfer


  • For people with an excellent credit rating

  • Credit limit up to £6,000

24.90%12 Months03 MonthsWhen you spend £1,200 at a purchase rate of 24.93% (variable) per annum, your representative APR is 24.9% APR (variable).Apply
Clydesdale Bank Gold Mastercard


  • Contactless and mobile payments via Apple Pay and Google Pay

  • Access to Mastercard Priceless Cities events & offers

  • View your balance and recent transactions using mobile/internet banking

18.90%12 Months26 MonthsWhen you spend £1,200 at a purchase rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).Apply
HSBC Balance Transfer


  • Enjoy cashback and rewards with Visa Offers

  • Get instant discounts from well-known brands with Home&Away rewards programme

  • View your balance and recent transactions using mobile/internet banking

  • Contactless payments with Apple Pay, Google Pay and Samsung Pay

  • Manage your card online

19.90%32 Months03 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).Apply
HSBC Duel Credit Card


  • Enjoy cashback and rewards with Visa Offers

  • Get instant discounts from well-known brands with Home&Away rewards programme

  • View your balance and recent transactions using mobile/internet banking

  • Contactless payments with Apple Pay, Google Pay and Samsung Pay

  • Manage your card online

22.90%26 Months26 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).Apply
John Lewis Partnership Card


  • Earn points when you spend

  • Redeem points into vouchers

  • Vouchers sent 3 times a year

  • Add up to 3 cardholders

18.90%18 Months09 MonthsWhen you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).Apply
Nationwide Credit Card


  • Simply Rewards cashback offers

  • Cashback money goes straight to your card within 5 working days of each qualifying purchase

  • Manage account online or with banking app

  • Contactless payments

17.90%12 Months12 MonthsWhen you spend £1,200 at a purchase rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).Apply
Virgin Atlantic Reward Credit Card


  • Earn Flying Club miles every day

  • Earn 5,000 bonus miles with your first card purchase within 90 days of opening your account

  • 0.75 Flying Club miles for every £1 you spend on everyday card purchases. 1.5 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays*

  • Choose from an upgrade to Premium or a Companion ticket when you spend £20,000 in a year

22.90%06 Months0 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).Apply
Virgin Atlantic Reward Plus Credit Card


  • Earn Flying Club miles faster

  • Earn 15,000 bonus miles with your first card purchase within 90 days of opening your account

  • 1.5 Flying Club miles for every £1 you spend on everyday card purchases. 3 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays*

  • Choose from an upgrade to Premium or a Companion ticket when you spend £10,000 in a year

63.90%06 Months0 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, with a £160 annual fee, your representative APR is 63.9% APR (variable).Apply

Balance Transfer Credit Cards

What is a Balance Transfer Credit Card?

The Balance Transfer facility on a credit card means you can transfer the debt from an old credit card to a new card from a different provider.

Why would you want to transfer the balance to a new card?

Generally, the reason why people transfer an existing credit card debt to a new card is in order to avoid paying hefty interest payments.

Providers of balance transfer credit cards will often give consumers a 0% interest rate for a set period of time. This means that if you are currently paying interest on an outstanding credit card debt, by transferring it to a new card with 0% interest, you are not paying the on-going monthly interest payments.

However, once the 0% introductory period ends, you will start paying interest on the outstanding balance again.

How to choose a Balance Transfer Credit Card

  1. When looking for a balance transfer card, select the Balance Transfer Credit Card option from the menu.
  2. Next, find 0% introductory offers and compare the offer period e.g. 12 months, 18 months etc., with other card offers.
  3. You should also take note of the APR rate that will be applied to your outstanding balance if you do not repay the amount within the 0% introductory offer period.

You should always make at least the minimum monthly payment as you may lose the 0% offer deal.

For further reading, see our guide on how balance transfer credit cards work.

Credit card comparison rates as of September 2018
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