Best Credit Card Balance Transfer Deals UK - Longest 0%, Life of Balance Rates

Credit Card Balance Transfers

Balance transfer is a transfer of a debt from one credit card onto another. Many credit card issuers offer introductory interest rates (introductory APRs) that are much lower than the standard interest rates. Consumers may take advantage of these lower rates to transfer balances from their higher interest credit cards to the new, lower interest credit cards to save money on interest charges.

Introductory 0% Offers
A number of UK credit card companies offer new customers 0% for balance transfers for an introductory period. You could save hundreds of pounds by switching your balance to a card offering 0% APR introductory rates.

The introductory period can be anything from 6 to 12 months after the card was issued although some of best 0% balance transfers can last as long as 15 months or more. The introductory APR serves as an incentive for transferring balances from existing cards onto a new card. After the introductory period the interest reverts to the standard rate.

Permanent Low Rates
If you are looking for a cheap way to pay off your balance, remember that zero rates for transfers tend to be for a fixed period. If you think your debts will take a while to clear it might be better to choose a card which offers a permanently low balance transfer rate.

Credit cards offering the longest introductory period for balance transfers are listed first.

Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)
Barclaycard Platinum Barclays Bank PLC 1 Churchill Place, London, E14 5HP	0% for 27 months (Fee: 3.9%)	0% for 6 months	18.9%	Details / Apply
	Freeze your interest at 0% until 2015 plus a balance transfer fee refund offer reduces the fee to 2.98%!
	Representative Example 18.9% APR representative variable 18.9% p.a. variable on purchases £1,200 assumed credit limit

NatWest Platinum	0% for 26 months (Fee: 2.65% - min £5)	0% for 6 months	18.9%	Details / Apply
	Exclusive online offer You must be aged over 18 and earning at least £10,000 to apply
	Representative Example Representative APR: 18.9% APR (variable) Purchase rate: 18.95% p.a. (variable) Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you

RBS Platinum The Royal Bank of Scotland plc. 36 St Andrew Square, Edinburgh, EN2 2YB	0% for 26 months (Fee: 2.65% - min £5)	0% for 6 months	18.9%	Details / Apply
	You must be aged over 18 and earning at least £10,000 to apply
	Representative Example Representative APR: 18.9% APR (variable) Purchase rate: 18.95% p.a. (variable) Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you

Halifax Balance Transfer	0% for 25 months (Fee: 3%)	0% for 3 months	18.9%	Details / Apply
	Balance transfer fee refund offer reduces the fee to 2% (minimum balance transfer £100)
	Representative Example 18.9% APR representative variable 18.95% p.a. variable on purchases £1,200 assumed credit limit

Nationwide Select	0% for 20 months (Fee: 3.1% - min £5)	0% for 12 months	12.9%	Details / Apply
	Take advantage of unlimited commission-free purchases abroad! Available exclusively to new and existing Nationwide current account holders Cashback: Earn 0.5% unlimited cashback on all sterling purchases
	Representative Example 12.9% representative APR variable 12.9% p.a. variable on purchases £1,200 credit limit

AA Balance Transfer	0% for 16 months (Fee: 2.9%)	0% for 3 months	17.9%	Details / Apply
	Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend Rewards: Collect AA Rewards Points and exchange them for a range of motoring products and services. Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
	Representative Example 17.9% representative APR variable 17.9% p.a. variable on purchases £1,200 credit limit

NatWest YourPoints World	0% for 15 months (Fee: 2.9% - min £5)	0% for 15 months	16.9%	Details / Apply
	Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
	Representative Example Representative APR: 16.9% APR (variable) Purchase rate: 16.95% p.a. (variable) Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you

RBS YourPoints World	0% for 15 months (Fee: 2.9% - min £5)	0% for 15 months	16.9%	Details / Apply
	Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
	Representative Example Representative APR: 16.9% APR (variable) Purchase rate: 16.95% p.a. (variable) Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you

Halifax All In One	0% for 15 months (Fee: 3% - min £3)	0% for 15 months	17.9%	Details / Apply
	Balance transfer fee refund offer reduces a 3% balance transfer fee to 1% on balance transfers over £100. The APR and length of the promotional offer are dependent on your personal circumstances
	Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchase £1,200 credit limit

Post Office	0% for 14 months (Fee: 2.98%)	0% for 3 months	16.9%	Details / Apply
	No fees on purchases overseas, no cash advance fee when purchasing Post Office Travel Money plus 15% off Post Office Annual Multi-Trip Travel Insurance
	Representative Example 16.9% representative APR variable 16.9% p.a. variable on purchases £1,200 credit limit

Barclaycard Platinum Purchase	0% for 14 months (Fee: 2.9%)	0% for 14 months	18.9%	Details / Apply
	Bursting with easy ways to help you spread the cost
	Representative Example 18.9% representative APR variable 18.9% p.a. variable on purchases £1,200 credit limit

Lloyds TSB Advance	4.9% for 12 months (Fee: 3%)	0% for 6 months	11.9%	Details / Apply

	Representative Example 11.9% representative APR variable 11.95% p.a. variable on purchase £1,200 credit limit

AA Credit Card	0% for 12 months (Fee: 3% - min £3)	0% for 10 months	16.9%	Details / Apply
	Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
	Representative Example 16.9% representative APR variable 16.9% p.a. variable on purchases £1,200 credit limit

Barclaycard Freedom Rewards	0% for 9 months (Fee: 2.90%)	18.9%	18.9%	Details / Apply
	Enjoy an amazing 10,500 Freedom bonus points worth £30 when you spend £500 or more in your first three months plus a refund reduces your balance transfer fee from 2.90% to 2.47% in June Rewards: Collect points fast and redeem them for rewards from the broadest range of high street brands, big online names and great places to spend time with your family
	Representative Example 18.9% representative APR variable 18.9% p.a. variable on purchases £1,200 credit limit

Lloyds TSB Duo Avios	0% for 6 months (Fee: 3%)	17.9%	17.9%	Details / Apply
	Two cards on one account gives you the flexibility to collect Avios as fast as possible. Get off to a flying start with 1,500 Avios for every whole £1,000 balance transferred plus you could get 15,000 Avios when you spend £500 a month for the first three months To apply, you must be a UK resident aged 18 or over, with a good credit rating and income of £15,000 or more. Rewards: Collect up to 1 Avios for every £1 spent plus double Avios abroad. Avios can be used for flights, hotel breaks, holidays, cruises or even days out
	Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchases Based on £1,200 credit limit

Credit cards offering permanently low balance transfer rates

Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)

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