Compare Top 0% Balance Transfer and Purchase Credit Cards

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Last updated on 09 November 2020.

0% Balance Transfer Credit Cards FAQ

Balance transfer deals give savvy credit card users the chance to access huge savings by banishing unwanted interest charges. By shifting your balance from an existing card to a 0% balance card, you can take advantage of low-interest rates - saving you hundreds or even thousands of pounds when repaying debt.

Because 0% balance cards allow you to pay back money at a lower rate, transfers often mean that you can pay off debt faster. Just keep in mind that you'll need to pay a small fee to switch your debt over in the first place. Fortunately, most fees are between 2.5% and 3%, a comparatively small price to pay for a faster route to a debt-free life.

How long does a 0% balance transfer take?

Do I have to pay a monthly minimum?

When is the best time to apply for a balance transfer?

Can money be transferred to my bank account?

How much money can I transfer?

How can I repay a 0% balance transfer?

What will my credit limit be?

Does my credit record matter?

Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards

Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.