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Saga Platinum Credit Card - Best for travel
  • 0% Foreign Currency Fees
  • 0% Interest on Purchases and Balance Transfers for the first 9 months
  • Representative 11.9% APR Variable



11.9% APR representative (variable) based on a credit limit of £1,200. Purchase rate 11.29% p.a. (variable)

Santander All in One Credit Card

  • 41 monthsBalance Transfer Period
  • 0%Balance Transfer Fee
  • 21.7%APR
Am I eligible?
Minimum Age:18
Minimum Income:£7,500
Credit Rating:Prime
Existing Customer:No
Additional account required:No
Representative ExampleRepresentative 21.7% APR variable.
  • Long 0% balance transfer period
  • No transfer fee
  • Earn 0.5% cashback on purchases
  • £3 monthly account fee

Halifax Balance Transfer Credit Card

  • 43 monthsBalance Transfer Period
  • 2.98%Balance Transfer Fee
  • 18.9%APR
Am I eligible?
Minimum Age:18
Minimum Income:-
Credit Rating:Prime
Existing Customer:No
Additional account required:No
Representative ExampleRepresentative 18.9% APR variable.
  • Long 0% balance transfer period
  • 0% interest on purchases for first six months
  • Effective 3.28% fee on balance transfers

What is a 0% balance transfer credit card?


When you shift your debt from one credit card to another, it is known as a balance transfer. Cards that offer 0% on balance transfers charge you no interest at all for a set period, meaning you can chip away at your debt without it increasing.


How do we rank them?


Moneywise ranks balance transfer credit cards based on how long the 0% deal lasts. If two cards offer the same term, then the card with the lowest balance transfer fee ranks highest.


Tips when choosing the right 0% balance transfer credit card


  1. Double check when the 0% balance transfer term ends. Make sure you know how long the 0% offer lasts – once it expires you’ll start paying interest. in order to shift your debt at a lowest fee.
  2. Check balance transfer fee you’ll pay
    Fees should be around the 3% mark but some cards will also charge a minimum cash spend of £3–5 per transfer, if this is greater than the percentage fee. Depending on the size of your balance transfers, this minimum cash amount could take off some of the sheen of the 0% period.
  3. Try to always repay at least the monthly minimum


If you miss a payment or make a payment lower than the minimum, you could lose your 0% deal and have to pay interest on your debt. It’s better to set up a direct debit to repay some of the amounts. That way you can avoid ending up in a pitch black hole of debt.


Moneywise Best Buys


It can be really difficult to choose the right product. However, we have conducted our own rigorous research and carefully selected the best deals out there. Unlike our competitors, we do not get paid to show you products from certain companies (only our featured product box is paid for by an advertiser). Instead, we have independently chosen the products we feel are the best in the market. Only if you decide to apply for a product using the “Go to site” button will Moneywise receive a small payment from the product provider, but this does not influence the way we rank products – our aim is quite simply to present you with the best products.