Jonathan Halloway

Written by Jonathan Halloway

Product Updated June 19, 2019

The Best 0% Balance Transfer Credit Cards

Save yourself money and get the very best and longest 0% balance transfer deals from all the leading UK credit card lenders and providers. Choose from the best offers and click through to apply direct with the lender.

Find out which cards you will be accepted for today. This eligibility checker will only display the credit cards you’re mostly like to be approved for:

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 2 votes

Good comparison service

by Anna Tyne

TotallyMoney provide a massive range of credit cards. A good service.

Very indepth search

by Mrs S Hilton

Found a whole range of credit cards using this service. Saves you time and hassle and only shows cards that are suitable given your credit rating.

FAQ

If you have an outstanding balance on a credit card it makes sense to search for 0% balance transfer credit cards. Not only is it easier to transfer a balance than you might think, it is also a great way to save a significant amount of money.

The best way to begin is by comparing the current deals on the market. These can change regularly so it helps to use a price comparison tool to get fast, accurate and up-to-date results. This type of credit card can assist you in paying off an outstanding sum if you use it wisely. The longer the 0% balance transfer period runs for, the longer you have to pay off that outstanding sum without paying any interest on it each month. Over time this can make a big difference to your monthly payments.

Some providers offer 0% balance transfer credit cards that provide you with up to 33 months to pay off the balance without any interest accruing on that balance. If you buy something using the card you may also get 0% interest on that purchase for a short period of time. By comparing and contrasting the different options you can look for the credit card that makes the most sense to you. In terms of reducing an outstanding balance the money you save on not paying interest every month can be put towards reducing your balance even faster.

The fee will depend on the individual card provider. Some providers don’t charge a fee but they tend to have much shorter 0% balance transfer periods. This is perfect for a small balance if you are confident you can pay it off within the period specified. If you cannot do this you will start accruing interest on any outstanding balance left at the end of the interest free period.

It is therefore wise to weigh up the cost of the fee with the length of time you will get without paying interest. Crunch some numbers before you decide which of the 0% balance transfer credit cards will fit your needs best.

If you are it is a good idea to consider whether you want to enjoy 0% interest for a few months on purchases, as we mentioned earlier. This can help you spread the cost of larger purchases. In some cases card providers also give you rewards for using their cards. These can come in the form of points and sometimes cashback. These aren’t necessary if you only want to transfer a balance and not use the actual card, but they do provide a nice additional perk if you will use it for spending.

As you can see there is a lot to consider while comparing credit cards of this kind. The more you understand your own requirements the easier it will be to compare the deals available today in order to select the best value credit card to use. Our comparison results provide you with a shortcut to the best offers for 0% balance transfer cards with ease. All you have to do is compare the results, consider your options and then choose the card you feel would give you the best deal for the right length of time.


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