Compare theBest Credit CardsCompare UK credit cards to find the best deals for you!
Balance Transfers Credit Card DefinitionPurchases Credit Card DefinitionRepresentative APR (Variable) Credit Card DefinitionRewards Credit Card Definition
Halifax Balance Transfer
HalifaxBalance Transfer
0%28 months
2.45% fee
0%6 months
18.9%APR
  • No rewards
  • 0% on balance transfers for 28 months
  • Low transfer fee, your fee is reduced from 3% to just 2.45%
  • 0% for the first 6 months on purchases
  • Manage your card online using Online and Mobile Banking
  • Covered against online fraud on the Internet
  • Around the clock service
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Representative Example: Based on a credit limit of £1,200 charged at 18.95% (variable) p.a. for purchases. Representative 18.9% APR (variable).
Nationwide Credit Card
NationwideCredit Card
0%20 months
3.1% fee
0%3 months
15.9%APR
  • Shopping
  • Travel
  • 0% on balance transfers for 20 months
  • Ideal for overseas spending
  • Commission free foreign transactions
  • Simply Rewards scheme - offers on major brands
  • Good credit history required
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Representative Example: Based on a credit limit of £1,200 charged at 15.9% (variable) p.a. for purchases. Representative 15.9% APR (variable).
AA Balance Transfer Credit Card
AABalance Transfer Credit Card
0%16 months
2.9% fee
0%3 months
17.9%APR
  • Motoring
  • Shopping
  • Vouchers
  • AA Reward Points, earn up to the equivalent of 4% back
  • Use points for motoring, insurance, shopping, cash back, fuel, days out and lots more.
  • 0% on balance transfers for 16 months (2.9% fee)
  • 0% on all card purchases for 3 months
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Representative Example: Based on a credit limit of £1,200 charged at 17.9% (variable) p.a. for purchases. Representative 17.9% APR (variable).
Halifax All in One
HalifaxAll in One
0%15 months
0.8% fee
0%15 months
17.9%APR
  • No rewards
  • 0% on balance transfers for 15 months
  • Low transfer fee, your fee is reduced from 3% to just 0.8%
  • 0% on purchases for 15 months
  • Manage your card online using Online and Mobile Banking
  • Online fraud protection
  • Around the clock service
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Representative Example: Based on a credit limit of £1,200 charged at 17.95% (variable) p.a. for purchases. Representative 17.9% APR (variable).
Lloyds TSB Platinum
Lloyds TSBPlatinum
0%15 months
3% fee
0%3 months
17.9%APR
  • No rewards
  • 0% on balance transfers for 15 months
  • 0% on purchases for 3 months
  • Internet fruad loss protection
  • Overseas Emergency Assistance
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Representative Example: Based on a credit limit of £1,200 charged at 17.95% (variable) p.a. for purchases. Representative 17.9% APR (variable).
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Compare Balance Transfer Credit Cards

Balance transfer credit cards are available to consumers with a good credit history, and were in part created for those who wish to transfer their outstanding debts from other cards to a new lender. In general, this enables consumers to pay off their debts a lot faster. Many credit card issuers now offer free balance transfers, and once the balance is successfully added to your new card, you will have a grace period where you will be charged less interest on the transferred balance amount. It is even possible to find balance transfer credit cards with a 0% interest rate. Such introductory bonuses usually last for about six months - and sometimes up to a year from when you successfully open an account.

This can be a great way to reduce your debt as you can pay the remaining amount on your card without incurring any more interest. If you use these cards responsibly, you could even start a second balance transfer as the introductory offer on the first concludes. This way, you can start paying little or no interest all over again. In this case, it is important to close down the other account.

It's wise to read the small print with transfer cards (as with all financial products). Certain banks charge a high transfer fee, an annual fee or a joining fee to new customers. This is why it is important to see whether a balance transfer credit card would save you money that would have been spent paying interest on other accounts. These cards have the potential to save you hundreds, if not thousands, of pounds.

When it comes to choosing the right balance transfer credit card, you need to ask yourself how quickly you can repay your debt, how much debt do you have, and what your credit rating is. There are different transfer cards to suit everyone. If you're unsure, you can speak to someone at your bank, or an impartial financial advisory service.

Normally, if you spend on these credit cards, your purchases are accompanied with a high interest rate, and cannot be paid off until any prior debt has been settled. Some companies have changed their rules on this so that you will always pay back the most expensive debt first - so shop around for the best deals and always check before you apply.