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Credit Card Balance Transfer UK

If you are caring a large balance on one or more credit cards a credit card balance transfer UK offer may be a good option for you. Balance transfer credit cards have been around for several years, however the terms and conditions are changing as banks try to make more money from consumers therefore it is important to search and find the card that is right for your needs.

Not looking for Credit Card Balance Transfer UK credit card? You can find a larger selection of all types of credit cards at Credit Card UK.

Bank of Scotland All In One Credit Card UK
 Bank of Scotland All In One Credit Card UK
  • Introductory offer on both balance transfers and purchases
  • 0% APR for 9 months on purchases
  • 0% APR for 9 months on balance transfers
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 3% 0.00% 0.00% 15.9 GOOD CREDIT

Sainsburys Credit Card
 Sainsburys Credit Card UK
  • No annual fee
  • 0% for the first 12 months on balance transfers
  • Up to 59 days interest free on purchases
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 3% N/A N/A 15.9% GOOD CREDIT

Halifax All in One Credit Card
 Halifax All in One Credit Card
  • No annual fee
  • Up to 59 days interest free on purchases
  • 0% for 10 months on balance transfers
  • 0% for 10 months on new purchases
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 3% 0.00% 0.00% 15.9% GOOD CREDIT

Virgin Credit Card
 Virgin Credit Card UK
  • No annual fee
  • 0% APR on balance transfers for first 15 months
  • 0% APR on purchases for first 3 months
  • Excellent discounts on Virgin items
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 2.98% 0.00% N/A 16.6% GOOD CREDIT

American Express Platinum Cashback
 American Express Platinum Cashback
  • No annual fee
  • Choose how you spend your cashback
  • No limit to the cash back you can earn
  • Decision in 60 seconds
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 2% 18.90% 18.90% 18.9% GOOD CREDIT


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Originally balance transfer offers were used to entice people to sign up for their cards and the offers were basically free money for 6-18 months. However consumers were smart and found ways to continually switch balances between cards without allowing the banks to make much money. Therefore the banks started changing the approach and adding fees. You can still obtain balance transfer offers, however there is often a balance transfer fee of 3-5% of the balance transferred. Some banks have a cap on this fee but others will charge a percentage over the entire balance. It is also important to consider the offer expiration date. With some UK credit card balance transfer offers the transfer rate will remain the same until the balance is paid off as long as you make your payments on time. However most balance transfer credit card UK offers will expire after 6-18 months and the rate will revert to the standard rate on the card.

Balance card credit transfer UK are best for situations where you have a large balance on one or more existing credit cards and would like to migrate that balance to a lower interest rate. If this is not your situation there are other credit cards such as low interest rate cards that may be a better option for you. You can view and compare hundreds of credit cards at Credit Card UK.

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* Credit card terms and conditions change frequently, although reasonable efforts have been made to maintain accurate information on the Credit Card Balance Transfer UK page, we do not guarantee accuracy. Once you have located a credit card you are interested in click the “Apply Now” button and review the terms and conditions provided on the issuers website for the latest information.

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