0% Balance Transfer Credit Cards

0% balance transfer deals can save money and make debts more manageable by getting rid of interest repayments on outstanding credit and store card debt. 0% periods on balance transfers last for a set length of time but vary by card.

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Balance to transfer:
£3,000
£100
£5,000
£10,000
Monthly repayment:
£300
£10
£500
£1,000
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SORT DEALS BY: Balance Transfer Period Transfer Fee Representative APR Total cost Repayment Period
TSB Platinum 28 Month Balance Transfer
tsb platinum 28 month balance transfer credit card0% for
up to
28 months
0.5%18.9% APR
(variable)
£20
(fees + interest)
Repaid over
31 months
Will you get this card?

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Representative example: When you spend £1,200 at a purchase rate of 18.94% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Money Balance Transfer
post office money balance transfer credit card0% for
up to
37 months
1.99%18.9% APR
(variable)
£60
(fees + interest)
Repaid over
31 months
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
AA Balance Transfer
aa balance transfer credit card0% for
up to
37 months
1.99%18.9% APR
(variable)
£60
(fees + interest)
Repaid over
31 months
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Post Office Money Matched
post office money matched credit card0% for
up to
30 months
2.75%18.9% APR
(variable)
£84
(fees + interest)
Repaid over
31 months
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
TSB Platinum Purchase
tsb platinum purchase credit card0% for
up to
20 months
2.95%18.9% APR
(variable)
£194
(fees + interest)
Repaid over
32 months
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.94% (variable) per annum, your representative APR will be 18.9% APR (variable).
AA Low Rate
aa low rate credit card0% for
up to
3 months
0%5.85% APR
(variable)
£196
(fees + interest)
Repaid over
32 months
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 5.85% (variable) per annum, your representative APR will be 5.85% APR (variable).
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Post Office Money Platinum
post office money platinum credit card0% for
up to
18 months
2.89%18.9% APR
(variable)
£235
(fees + interest)
Repaid over
33 months
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
TSB Advance
advance credit card0% for
up to
3 months
0%7.9% APR
(variable)
£273
(fees + interest)
Repaid over
33 months
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 7.94% (variable) per annum, your representative APR will be 7.9% APR (variable).
AA Dual Credit Card
aa dual credit card credit card0% for
up to
12 months
2.7%18.9% APR
(variable)
£413
(fees + interest)
Repaid over
35 months
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Choose Ltd is a credit broker. We do not charge any fees in relation to credit broking activities.
Choose is provided to you as a completely free service, however we may receive a commission from some of the companies we list.
Any calculations provided are intended as a general guide only for comparison purposes and should not be considered as an exact representation of what you will have to pay.


How to find the best 0% balance transfer deal

What's a 0% balance transfer credit card?

Balance transfer cards usually offer a low or 0% interest rate for a set length of time. Moving existing debt from higher interest rate credit cards and/or store cards to a 0% balance transfer credit card can save money, especially if the debt is paid off within the 0% interest period. And with no interest to pay, debts can be cleared quicker.

While they can be useful for eliminating debt, it’s important not to use 0% balance transfer credit cards as a way of freeing up existing credit cards for further spending. This could lead to problems down the line, particularly if there's still outstanding debt after the 0% interest period expires. Our full guide here has more detailed discussion about potential savings, information on how to transfer balances and pitfalls to look out for.

How to find the best deal

The main benefit of a 0% balance transfer is paying no interest on existing borrowing for a set period. But at the end of the agreed interest free period, any remaining balance will incur a higher APR so deciding on the best deal means taking into consideration a few other important factors including: the amount of debt; the length of time the 0% deal is available; the cost of transfer fees; and the representative APR that comes into effect once the deal ends.

Keeping up with minimum payments

Different providers offer varying lengths of time during which interest on transferred balances is kept at 0%. These also vary based on individual circumstances, with shorter 0% balance transfer periods and different representative APRs possible.

Any outstanding debt at the end of the agreed interest-free period is moved to a higher APR so it's vital to calculate how much will need to be repaid each month in order to clear the debt. Missing a minimum payment can result in losing the 0% interest deal so it's necessary to be realistic about how much is an affordable amount to pay each month before committing to a card.

Paying off debt

The amount of debt will influence whether it can be paid off while the interest is still at 0%. If it's unlikely the debt will be paid off before the higher interest rate comes into effect, it may not be beneficial to take out a 0% balance transfer and could instead be better to pay off debt over a longer period. In order to decide on the best route to take it's most important to work out which means paying less interest overall.

Transfer fees

Typically a one-off fee is charged for balance transfers so it's also necessary to take this into consideration when working out if a deal will offer value for money. Fees are charged at a percentage of the total amount transferred - usually around 3%. For example, on a £1,200 balance transfer with a 3% transfer fee, the amount to pay is £36. So in many cases, the savings gained from not having to pay interest will usually cancel out the transfer fee - particularly if the debt is paid off within the 0% interest period.

0% on purchases

Most of the benefits of balance transfer credit cards come from being able to clear debt quicker, however providers also tend to offer varying interest free periods on purchases. These are often for a much shorter length of time than for balance transfers and once the interest free period ends, a higher APR is charged. It may be better to use a lower interest credit card for spending if it’s likely debts will roll over beyond the interest free period.

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