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credit card  

find a great credit card deal  

Looking for a credit card package to suit your lifestyle?

Click on these links to find a great deal.

Barclaycard platinum

Barclaycard Platinum with 29 Months Balance Transfer

  • 0% interest on balance transfers for 29 months
  • A transfer fee of 3.5% will be applied, then reduced to 2.79% by a refund (terms and conditions apply)
  • 0% interest on purchases for 6 months from account opening


Halifax Balance Transfer Credit Card

  • 0% interest on balance transfers for up to 28 months
  • APR and promotional period dependent on your personal circumstances
  • A transfer fee of 3% will be applied, then reduced to 2.45% by a refund (terms and conditions apply)

tesco club card

 Tesco Bank Clubcard Credit Card for Balance Transfer

  • 0% interest on balance transfers for 28 months
  • 2.9% balance transfer fee
  • Earn Clubcard points on all your spending

Nat west

NatWest Platinum with Balance Transfer

  • 0% interest on balance transfers for 28 months (2.99% fee, min £5)
  • 0% interest for 6 months on purchases
  • Save money with a range of retailers when you spend


 RBS Platinum BT Credit Card MasterCard

  • 0% interest on balance transfers for 28 months (2.99% fee, min £5)
  • 0% interest on purchases for 6 months.


MBNA Platinum Credit Card Visa

  • 27 months 0% on balance transfers (2.39% fee)
  • 0% on money transfers
  • 3 months 0% on purchases
  • Check your eligibility before applying


Barclaycard Freedom Rewards

  • 0% interest on balance transfers for nine months from account opening (2.9% fee applies)
  • 0% interest on purchases for six months from account opening
  • Contactless payments so you can use your card to make quick and easy payments of £20 and under



Virgin Money Credit Card MasterCard

  • Choose the colour of your credit card from red, silver, purple or black
  • Exclusive discounts across the Virgin group (Virgin Holidays, Virgin Wines,Virgin Active, Virgin Experiences and Virgin Balloon Flights)


Lloyds Bank Credit Cards

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About 0% Balance Transfer cards

A credit card balance transfer simply means moving your credit card debt from one card to another.

It’s often a good way to save money, as many credit card providers offer new customers an interest-free period on the amount being transferred.

Cards are displayed by the duration of the 0% balance transfer offers.

Five top tips for credit card balance transfer offers

Playing the balance transfer game could save you a fortune in credit card interest rate payments, provided you stick to a few basic rules. Read on for our top five credit card balance transfer offers tips to help you compare and find the best balance transfer credit cards on the market.

1. Know how long the 0% balance transfer offer lasts

Credit card balance transfer offers don’t last forever so when you transfer your credit card balance to a new card, always make a note of when the introductory 0% interest rate ends. When the period is up, credit cards with 0% interest will revert to a more expensive standard rate.

If you haven’t paid off your balance by the time the 0% period is up, it might be a good idea to switch to another 0% balance transfer deal.

Start looking for your new card about six weeks before your deal is due to end to allow plenty of time to arrange your next transfer.

2. Double check the rate

The rate you see advertised isn’t necessarily the rate you will get. Credit card providers only have to give the typical APR they advertise to around 50% of successful applicants – this means that if you’ve had credit problems in the past, you may be given a higher APR.

Check that the rate you see advertised is the rate you will actually get to avoid a shock when your first statement arrives.

3. See what the 0% rate covers

Credit cards with long 0% rates on balance transfers often have much shorter 0% deals on purchases – for example, a card with 0% on transfers for over 20 months may only give 0% on spending for three or six months.

Make sure you know what rates you’ll be paying on other credit card use, not just transfers.

4. Don’t spend on your 0% balance transfer card

Balance transfer credit cards are always best for easing the pain of existing debt – start spending on the card and you risk ending up in deeper trouble.

The best advice would be not to spend on a card after transferring a balance to it. Instead, take out a separate card with a long 0% on purchases deal, or look for a card offering a good 0% deal on both purchases and transfers.

5. Check the balance transfer fee

Most credit card providers charge a balance transfer fee of around 3% when you shift your debt from one card to another, though this varies between cards and providers.

Consider whether paying a fee might outweigh the benefits of a 0% deal – balance transfers on credit cards with a low APR could be cheaper in the long run than doing so on 0% apr credit cards deals. It all comes down to individual circumstances and preferences, so check you have the facts before looking for the best credit cards for balance transfers.

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