Balance transfer cards
Move your card debt to 0%.
A balance transfer card gives you a 0% window to clear what you owe. The fee up front is the price of the window, and the date it ends is the number that matters.
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Every card below shows the 0% window, the transfer fee and the rate that starts when the window closes.
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Browse balance transfer cards
Move existing card debt and get a 0% window to clear it. The fee up front is the price of the window.
4 cards
Checked 19 Aug
William’s shortcut · Take the longest 0% window you can get and put the end date in your calendar. If you can clear the debt inside a year, the no-fee card wins.
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Tesco BankBalance Transfer Credit Card
Best for · Moving a balance you need three years to clear
The catch · The 3.45% transfer fee is charged up front, so moving £3,000 costs £103.50 before the 0% period starts.
0% for 36 months
On balance transfers
3.45% transfer fee, then 24.9% rep APR
Tesco BankBalance Transfer Credit Card
Best for · Moving a balance you need three years to clear
0% for 36 months
Go to provider →3.45% transfer fee, then 24.9% rep APR
The catch · The 3.45% transfer fee is charged up front, so moving £3,000 costs £103.50 before the 0% period starts.
Tesco BankLow Fee Balance Transfer Credit Card
Best for · Moving a balance you can clear inside 15 months
The catch · A smaller fee buys a shorter window: 15 months here against 36 on their standard transfer card.
0% for 15 months
On balance transfers
0.75% transfer fee, then 24.9% rep APR
Tesco BankLow Fee Balance Transfer Credit Card
Best for · Moving a balance you can clear inside 15 months
0% for 15 months
Go to provider →0.75% transfer fee, then 24.9% rep APR
The catch · A smaller fee buys a shorter window: 15 months here against 36 on their standard transfer card.
SantanderEveryday Long Term Balance Transfer Credit Card
Best for · Clearing a large balance over nearly three years
The catch · The 3.15% fee is added up front, and after the first three months any new purchases are charged interest while a transfer is outstanding.
0% for 34 months
On balance transfers
3.15% transfer fee (minimum £5), then 24.9% rep APR
SantanderEveryday Long Term Balance Transfer Credit Card
Best for · Clearing a large balance over nearly three years
0% for 34 months
Go to provider →3.15% transfer fee (minimum £5), then 24.9% rep APR
The catch · The 3.15% fee is added up front, and after the first three months any new purchases are charged interest while a transfer is outstanding.
SantanderEveryday No Balance Transfer Fee Credit Card
Best for · Moving a balance you can clear within a year without paying a fee
The catch · Twelve months is a short window, and after the first three months new purchases are charged interest while a transfer is outstanding.
0% for 12 months
On balance transfers, no fee
No transfer fee, then 24.9% rep APR
SantanderEveryday No Balance Transfer Fee Credit Card
Best for · Moving a balance you can clear within a year without paying a fee
0% for 12 months
Go to provider →No transfer fee, then 24.9% rep APR
The catch · Twelve months is a short window, and after the first three months new purchases are charged interest while a transfer is outstanding.
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A balance transfer only works if you stop the balance growing. Borrow only what you can afford to repay.
Borrow only what you can repayChecked 19 Aug
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