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 is usually the first six months after the card was issued although some companies are now offering intro periods of 9 months or more. 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.

Credit cards with the longest intro 0% APR period for balance transfers

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 low life time balance transfer rates

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

Card	Intro Rate Balance Transfers	Balance Transfer Fee	Intro Rate Purchases	Typical APR (variable)
HSBC Bank	2.9% for 24 months	2.5% - min £5	0% for 12 months	15.9%	Details / Apply
Virgin	0% for 15 months	2.98%	0% for 3 months	15.9%	Details / Apply
Egg	0% for up to 15 months	3%	0% for 3 months	16.9%	Details / Apply
Barclaycard Platinum	0% for 14 months	2.9%	0% for 3 months	14.9%	Details / Apply
NatWest	0% for 13 months	2.9% - min £5	0% for 6 months	13.9%	Details / Apply
Royal Bank of Scotland	0% for 13 months	2.9% - min £5	0% for 6 months	13.9%	Details / Apply
MBNA Platinum Plus	0% until June 2009	2.9%	0% until August 2008	15.9%	Details / Apply
Barclaycard Platinum with cashback	0% for 12 months	2.5%	14.9%	14.9%	Details / Apply
MBNA Football Association	0% for 12 months	3%	0% for 3 months	15.9%	Details / Apply
Sainsbury's Bank Standard	0% for 12 months	3%	0% for 3 months	15.9%	Details / Apply
Sony Card	0% for 12 months	3%	0% for 3 months	15.9%	Details / Apply
Breakthrough Breast Cancer Charity	0% for 12 months	3%	0% for 3 months	15.9%	Details / Apply
National Trust Charity	0% for 12 months	3%	0% for 3 months	15.9%	Details / Apply
WWF Charity	0% for 12 months	3%	0% for 3 months	15.9%	Details / Apply
Capital One Platinum	0% until March 2009	3%	0% until March 2009	9.9%	Details / Apply
Post Office 2 in 1	0% for 10 months	2.75%	0% for 3 months	15.9%	Details / Apply
Amazon	0% for 9 months	3% - min £3	0% for 6 months	15.9%	Details / Apply
Co-operative Bank Think	7% for 6 months	No fee	12.9%	12.9%	Details / Apply
GM	0% for 5 months	2% - min £5	0% for 5 months	14.9%	Details / Apply

Credit cards offering permanently low balance transfer rates

Card

Intro Rate
Balance Transfers

Balance Transfer Fee

Intro Rate
Purchases

Typical APR
(variable)

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