0% Balance Transfer Cards

A balance transfer allows you to move debt from one credit card to another, while taking advantage of a preferential rate of interest on the relocated balance. It can be a great way to manage your finances and reduce the amount of interest you pay on credit cards.

Many credit cards offer a 0% balance transfer period when you first get accepted for the card so this is an ideal time to transfer an existing debit onto the new card so that you don't have to pay any interest. 0% balance transfer rates often typically apply for a period of 6-9 months but this can vary. You can usually transfer balances from other credit cards as well as some store cards and charge cards.

• Balance Transfer |
• 0% on New Purchases |
• Low APR |
• Cash Back |
• Reward Scheme |
• Life of Balance |
• Standard Purchase |
• Charity Cards |

0% Balance Transfer Cards:

Some credit cards offer a balance transfer rate for the life of the card. For example, they may offer a low rate - usually 4-6% for the entire period of time that you have a balance on that card. This enables you to transfer a balance from another credit card with a higher interest rate onto the new card with the lifetime balance transfer and enjoy a lower interest rate.

The lower interest rate normally only applies to balances transferred onto the card and not purchases so make sure you always check which rate applies in each case. Some cards also charge a fee in the region of 2-2.5% to transfer balances so it's also worth making sure you know how much it will cost you to transfer any balances onto a credit card.

Some credit cards have what is often termed a 'super balance transfer' feature. This enables you to transfer funds from the new card to not only another credit or store card but also directly into a bank account. This enables you to pay off non credit or store card debts.

You can apply directly for a new credit card so that you can take advantage of the balance transfer facility from the links on our site.