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Credit Cards > Balance Transfer

Compare 0% Credit Cards, Balance Transfer Cards, Travel Cards, Business Cards, Sport Cards, Reward Cards and Platinum Cards.

Card	Provider	0% Balance Transfer	0% Purchases	APR	Benefits
Card	Provider	0% Balance Transfer	0% Purchases	APR	Benefits	More info HSBC Credit Card Applicants must be over 18 years old Applicants must earn more than £8,500 a year UK resident Representative APR of 17.9% (variable) Minimum monthly payments of 2.5% or £5.00 No annual fee Balance transfer fee of 3.30% or £5.00 Cash withdrawal fee of 2.99% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	HSBC Credit Card	23 months3.3% or min £5.00 fee	3 months	17.9% APR Representative (Variable)	Only available to existing HSBC current account customers. Offer ends 29 February. Good credit customers
Representative Example: If you borrow £1,200 at a rate of 17.9% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Barclaycard Platinum Balance Transfer Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 17.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer fee of 2.90% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Barclaycard Platinum Balance Transfer	22 months2.9% fee	3 months	17.9% APR Representative (Variable)	Contactless payment for purchases up to £15. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 17.9% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Halifax 22 month Balance Transfer Credit Card Applicants must be over 18 years old Applicants must earn more than £20,000 a year UK resident with a regular income Representative APR of 17.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.50% or £3.50 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Halifax 22 month Balance Transfer Credit Card	22 months3.5% or min £3.50 fee	3 months	17.9% APR Representative (Variable)	Deals and discounts on travel, entertainment and shopping. Annual income of £20,000 or more required. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 17.95% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Barclaycard Platinum 21 month Balance Transfer Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 17.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer fee of 2.90% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Barclaycard Platinum 21 month Balance Transfer	21 months2.9% fee	3 months	17.9% APR Representative (Variable)	Reduce fee from 2.9% to 2.6% with refund offer. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 17.9% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Virgin Balance Transfer Credit Card Applicants must be over 18 years old UK resident with a bank or building society account Representative APR of 16.8% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 2.99% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Virgin Balance Transfer Credit Card	20 months2.99% or min £3.00 fee	3 months	16.8% APR Representative (Variable)	Get 10% discount on Virgin Wines and 5% off Virgin Holidays, plus one-month free Virgin gym membership. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.8% p.a. (variable), you will pay 16.8% APR Representative (variable).
More info Bank of Scotland Plus Credit Card Applicants must be over 18 years old UK resident with a regular income Representative APR of 16.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Bank of Scotland Plus Credit Card	18 months3% or min £3.00 fee	3 months	16.9% APR Representative (Variable)	Instant decision online. No balance transfers from Halifax or Bank of Scotland cards. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.94% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info Nationwide Credit Card Applicants must be over 18 years old Applicants must earn more than £5,000 a year No CCJs, IVAs or bankruptcy Permanent UK address for at least 12 months Representative APR of 15.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 2.95% or £5.00 Cash withdrawal fee of 2.50% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 0.00% within Europe / 0.00% rest of world	Nationwide Credit Card	17 months2.95% or min £5.00 fee	3 months	15.9% APR Representative (Variable)	Earn commission-free purchases abroad based on UK spending. All purchases made in pounds count towards overseas spending allowance. Fraud protection guarantee. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 15.9% p.a. (variable), you will pay 15.9% APR Representative (variable).
More info Halifax 17 month Balance Transfer Credit Card Applicants must be over 18 years old UK resident with a regular income Representative APR of 16.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Halifax 17 month Balance Transfer Credit Card	17 months3% or min £3.00 fee	3 months	16.9% APR Representative (Variable)	Instant decision online. No balance transfers from Halifax or Bank of Scotland cards. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.94% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info Virgin All Round Credit Card Applicants must be over 18 years old UK resident with a bank or building society account Representative APR of 15.8% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 1.99% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Virgin All Round Credit Card	16 months1.99% or min £3.00 fee	6 months	15.8% APR Representative (Variable)	Get 10% discount on Virgin Wines and 5% off Virgin Holidays, plus one-month free Virgin gym membership. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 15.8% p.a. (variable), you will pay 15.8% APR Representative (variable).
More info Barclaycard Platinum Balance Transfer Credit Card with Low Handling Fee Applicants must be over 21 years old Applicants must earn more than £20,000 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 18.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer fee of 1.60% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Barclaycard Platinum Balance Transfer Credit Card with Low Handling Fee	16 months1.6% fee	3 months	18.9% APR Representative (Variable)	Reduce fee to 1.6% with refund offer. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 18.9% p.a. (variable), you will pay 18.9% APR Representative (variable).
More info Halifax All In One Credit Card Applicants must be over 18 years old UK resident with a regular income Representative APR of 17.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Halifax All In One Credit Card	15 months3% or min £3.00 fee	15 months	17.9% APR Representative (Variable)	Get deals and discounts on travel, entertainment and shopping. Benefit from cover against online fraud. APR representative and length of introductory offer may vary. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 17.95% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Sainsbury's Nectar Credit Card Applicants must be over 18 years old Must not have been declined for credit in the last month Permanent UK address Representative APR of 16.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Sainsbury's Nectar Credit Card	15 months3% or min £3.00 fee	6 months	16.9% APR Representative (Variable)	Earn up to four points for every £1 spent in Sainsbury’s if you pay with Nectar Credit Card and swipe your Nectar card. One Nectar point for every £5 spent elsewhere. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.94% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info Lloyds TSB Platinum Credit Card Applicants must be over 18 years old No CCJs and no bankruptcy in the last 6 years UK resident Representative APR of 17.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.00% Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Min £500.00 Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Lloyds TSB Platinum Credit Card	15 months3% fee	3 months	17.9% APR Representative (Variable)	Cover against fraud when purchasing online. Apply online within minutes. Overseas emergency assistance. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 17.95% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Virgin Purchase Credit Card Applicants must be over 18 years old UK resident with a bank or building society account Representative APR of 18.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 2.89% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	Virgin Purchase Credit Card	13 months2.89% or min £3.00 fee	13 months	18.9% APR Representative (Variable)	Get 10% discount on Virgin Wines and 5% off Virgin Holidays, as well as one month free at Virgin gyms. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 18.9% p.a. (variable), you will pay 18.9% APR Representative (variable).
More info Barclaycard Gold Credit Card Applicants must be over 21 years old Applicants must earn more than £17,500 a year No CCJs or IVAs in the past 5 years, and no history of bankruptcy Permanent UK address for at least 3 months Representative APR of 19.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer fee of 2.50% Cash withdrawal fee of 2.50% / Minimum £2.50 Credit limit: Varies Min £250.00 Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Barclaycard Gold Credit Card	Until 09/122.5% fee	N/A	19.9% APR Representative (Variable)	Contactless payment for purchases up to £15. Fair credit customers
	Representative Example: If you borrow £1,200 at a rate of 19.9% p.a. (variable), you will pay 19.9% APR Representative (variable).
More info Sainsbury's Credit Card Applicants must be over 18 years old Must not have been declined for credit in the last month Permanent UK address Representative APR of 16.9% (variable) Minimum monthly payments of 2.25% or £5.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.75% within Europe / 2.75% rest of world	Sainsbury's Credit Card	12 months3% or min £3.00 fee	12 months	16.9% APR Representative (Variable)	Nectar card holders only. Good credit customers.
	Representative Example: If you borrow £1,200 at a rate of 16.94% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info AA Credit Card Applicants must be over 18 years old No CCJs or bankruptcy UK resident with a bank or building society account Representative APR of 16.9% (variable) Minimum monthly payments of 1% or £25.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.99% within Europe / 2.99% rest of world	AA Credit Card	12 months3% or min £3.00 fee	10 months	16.9% APR Representative (Variable)	Earn AA reward points on all spending. Double points on fuel and motoring. Earn up to 4% back. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 16.9% p.a. (variable), you will pay 16.9% APR Representative (variable).
More info Bank of Scotland All in One Credit Card Applicants must be over 18 years old UK resident with a regular income Representative APR of 17.9% (variable) Minimum monthly payments of 1% or £5.00 No annual fee Balance transfer fee of 3.00% or £3.00 Cash withdrawal fee of 3.00% / Minimum £3.00 Credit limit: Varies Late payment charge of £12.00 Foreign usage rates 2.95% within Europe / 2.95% rest of world	Bank of Scotland All in One Credit Card	12 months3% or min £3.00 fee	12 months	17.9% APR Representative (Variable)	Choice of five card colours. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 17.95% p.a. (variable), you will pay 17.9% APR Representative (variable).
More info Saga Platinum Credit Card Applicants must be over 50 years old Applicants must earn more than £12,000 a year No CCJs or IVAs Permanent UK address and bank account Representative APR of 11.9% (variable) Minimum monthly payments of 3% or £5.00 No annual fee Balance transfer fee of 3.00% Cash withdrawal fee of 2.00% / Minimum £2.00 Credit limit: Varies Min £500.00 Late payment charge of £10.00 Foreign usage rates 0.00% within Europe / 0.00% rest of world	Saga Platinum Credit Card	9 months3% fee	9 months	11.9% APR Representative (Variable)	For 50+ years of age. 0% foreign currency fee. Good credit customers
	Representative Example: If you borrow £1,200 at a rate of 11.3% p.a. (variable), you will pay 11.9% APR Representative (variable).

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Please note the rates and products displayed are updated regularly. However, due to market fluctuations some details may be out of date. We do not take any responsibility for the accuracy of the information although we will always do our best to ensure the material is up to date. Please check rates with the provider before committing to a product. Remember, alternative deals may be available in the market.

0% Credit Cards

A 0% credit card provides you with the benefit of not charging interest on your card balance. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Balance Transfer

A Balance Transfer credit card allows you to transfer existing store or credit card debt to a new credit card initially with a potentially lower rate of interest. Particular attention should be paid to the length of time the opening offer is for, once the offer ends the full APR resumes and the full interest will be charged from that point on.

0% Purchase

A Zero percent purchase credit card offers an introductory rate that is interest free for new purchases for a specific term after which the standard rate applies. If you are looking for help with your cash flow then a 0% purchase credit card might do the trick but be aware that each credit card will vary on the term of the interest free period and the standard rate in which it will revert to therefore it is important that you compare these features before applying.

Interest Free credit cards

Interest free credit cards are credit cards which offer an interest free period on the credit that is either borrowed from, or transferred onto, the card. Interest free periods are usually limited, after which a rate of interest is applied to the outstanding balance.

Low Interest Credit Cards

A low interest credit card or low rate credit card will feature a low interest rate, so the interest charged on the outstanding balance is lower than most standard rate cards in the market. This is a good option if you do not want to be switching your credit cards regularly to take advantage of interest free deals as the card charges a consistently low interest rate.

Cashback

A cashback credit card is a credit card which pays you each time you spend on them. Cashback Credit Cards will give you back a small percentage of your overall spend, each time you use them, which means, over the course of a year, you will receive a percentage of your yearly spend back. This form of Credit Card could be a good source of gaining additional finance.

Bad Credit Credit Cards

A Bad Credit Credit Card is a credit card for bad credit or for people with a low/poor credit rating, CCJs or who have claimed bankruptcy. Bad Credit Credit Cards function just like regular credit cards, but due to the perceived higher risk the applicant poses to the card issuer, they often carry a higher rate of interest, and benefits may be reduced.

Travel Cards

A travel credit card is a card providing benefits on travel. This can vary from air miles, saving money on holiday bookings to 0% commission when using abroad.

Rewards

Rewards credit cards offer rewards or incentives for use. These rewards can vary greatly from air miles to contributions to charities.

Gold and Platinum Credit Cards

A platinum credit card is a type of credit card product which provides similar features and benefits as a standard credit card, however to qualify for a gold credit card or a platinum credit card you may need a higher income than that required for regular a card. Gold cards and platinum cards may offer higher credit limits and an increased daily cash withdrawal allowance.

Prestige cards may also offer additional benefits such as free extended warranty on many household appliances, free purchase protection, savings on travel / hotels and even free travel insurance. They often have similar benefits to reward cards too in the form of airmiles or money off vouchers for example.

Business Credit Cards

A business credit card is usually issued to corporate executives or business owners to more easily keep business expenses separate from personal charges. Many financial institutions provide this product with additional benefits for the business.

Sport Credit Cards

Sports Credit Cards are, for example Football Credit Cards, that are issued by sporting organization that allow individuals to carry their Football Team Credit Card in their wallet. Many supporters enjoy seeing their football team and credit cards united and the growth of football team and credit card offerings are a growing market. Many football clubs not only offer Football Credit Cards they also offer Team and Rewards Credit Card with the benefit of Team and Reward Credit Cards being that as well as having your teams credit card in your wallet you benefit by getting reward points every time you use it

How to find the Best credit card for you

To find top credit card deals or the best credit card for you ensure that you shop around. There are a number of different credit card types in the market all of which have different benefits and interest rates and therefore it is a good idea to compare credit cards in order to find a cheap credit card that suits your spending or saving requirements.

Credit Card providers:

Barclays Bank plc, MBNA. Alliance and Leicester, Virgin, Post Office Limited, American Express, Amex, Royal Bank of Scotland, Halifax, Natwest, Vanquis, HSBC, Aqua, Lloyds TSB Group, Abbey, Tesco, Capital One Bank, Citigroup Inc, Sainsburys Bank plc, Bank of Scotland plc, Co-Operative Bank plc, HFC Bank Limited, Marks and Spencer plc

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The content of the site is for information purposes only and does not constitute advice. While we take every care to ensure the information provided is correct and up to date, please always check with the providers before committing yourselves. The website and articles featured here provide links to third party websites. Please note BeatThatQuote.com take no responsibility for the content of these third party websites. This information is for use by UK individuals only. Our service is free to you but to operate this service we may receive commissions from the provider or broker we refer you to.

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