0% Balance Transfer Credit Cards

0% balance transfer credit cards tend to be the most sought after as customers find ways of reducing their debt without having to pay interest.

The 0% balance transfer rate is usually offered for a fixed period only as an incentive for you to apply; once the fixed period has expired the rate of interest will revert to the standard variable rate and this is how the credit card company makes a profit as well as on purchases. If customers still have an outstanding balance on the credit card most will apply for another 0% balance transfer credit card to transfer the remaining balance to, saving paying any unneccesary interest although a balance transfer fee may well be charged.

All these credit cards offer a 0% p.a. rate on balance transfers for a fixed period only.

HSBC Credit Card

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0% p.a. on balance transfers fixed for the first 15 months.
Balance transfers subject to a 2.9% handling fee.
0% p.a. on purchases fixed for the first 3 months.
Typical 16.9% APR variable.
Up to 8% discount on Thomas Cook holidays booked through the HSBC Travel Club.
Available to HSBC Bank Account customers only.
Interest free period of up to 56 days on all purchases.
No annual fee.

Virgin Credit Card

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0% p.a. on balance transfers fixed for the first 14 months.
Balance transfers subject to a 2.98% handling fee.
0% p.a. on purchases fixed for the first 3 months.
Typical 16.6% APR variable.
Save 10% when using your Virgin Purchases Credit Card online at Virgin Megastores , Virgin Wines, VIE at home, Virgin Holidays and Virgin Holidays Cruises.
Save 20% when using your Virgin Purchases Credit Card on selected Virgin Experiences.
Half price Virgin Balloon Flights when using your Virgin Purchases Credit Card.
Exclusive savings with Virgin Media on TV, broadband, phone and mobile.
Silver, sexy red, classy black or cheeky pink card designs.
Up to £250,000 FREE Travel Accident Insurance and FREE Purchase Protection Insurance.
Interest free period of up to 50 days on all purchases.
No annual fee.

MBNA Platinum Credit Card

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0% p.a. on balance transfers fixed for the first 13 months..
Balance transfers incur a 2.9% handling fee.
Typical 16.9% APR variable.
0% p.a. on purchases fixed for the first 3 months.
0% p.a. on cash transfers into your current account fixed for the first 13 months.
Cash transfers incur a 4% handling fee.
Protect you and your MBNA Platinum Credit Card with MBNA Secure.
Interest free period of up to 56 days on all purchases.
No annual fee.

BT Cash Credit Card

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0% p.a. on balance transfers fixed for the first 13 months.
Balance transfers subject to a 3% handling fee.
0% p.a. on purchases fixed for the first 3 months.
Typical 16.9% APR variable.
0% p.a. on cash transfers into your current account fixed for the first 13 months.
Cash transfers subject to a 4% handling fee.
BT Credit Card Rewards are awarded as a discount on your applicable BT telephone bill at the rate of 1p for each £1.50 spent on the BT Cash Credit Card.
Interest free period of up to 50 days on all purchases.
No annual fee.

Virgin Purchases Credit Card

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0% p.a. on balance transfers fixed for the first 12 months.
Balance transfers subject to a 2.98% handling fee (minimum £5).
0% p.a. on purchases fixed for the first 12 months.
Typical 18.9% APR variable.
Save 10% when using your Virgin Purchases Credit Card online at Virgin Megastores , Virgin Wines, VIE at home, Virgin Holidays and Virgin Holidays Cruises.
Save 20% when using your Virgin Purchases Credit Card on selected Virgin Experiences.
Half price Virgin Balloon Flights when using your Virgin Purchases Credit Card.
Exclusive savings with Virgin Media on TV, broadband, phone and mobile.
Silver, sexy red, classy black or cheeky pink card designs.
Up to £250,000 FREE Travel Accident Insurance and FREE Purchase Protection Insurance.
Interest free period of up to 50 days on all purchases.
No annual fee.

BMI Credit Card

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0% p.a. on balance transfers fixed for the first 12 months.
Balance transfers subject to a 3% handling fee.
0% p.a. on purchases fixed for the first 3 months.
Typical 16.9% APR variable.
0% p.a. on cash transfers into your current account fixed for the first 12 months.
Cash transfers subject to a 4% handling fee.
Earn 20,000 destinations miles by spending £250 on card purchases within 90 days of your account opening.
Earn 1.5 destinations miles for every £1 spent on every day card purchases.
Earn triple destinations miles when using your BMI credit card to buy BMI flights at flybmi.com.
Automatic diamond club membership, the UK's most generous frequent flyer scheme.
Interest free period of up to 50 days on all purchases.
No annual fee.

Halifax All In One Credit Card

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0% p.a. on balance transfers and purchases fixed for the first 10 months.
Balance transfers subject to a 3% handling fee.
Typical 15.9% APR variable.
5 choices of credit card colour.
Optional payment protection, card protection and identity protection.
Interest free period of up to 59 days on all purchases.
No annual fee.

Bank of Scotland All In One Credit Card

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0% p.a. on balance transfers and purchases fixed for the first 10 months.
Balance transfers subject to a 3% handling fee.
Typical 15.9% APR variable.
5 choices of credit card colour.
Optional payment protection, card protection and identity protection.
Interest free period of up to 59 days on all purchases.
No annual fee.

BT Retail Credit Card

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BT Credit Card Rewards are awarded as a discount on your applicable BT telephone bill at the rate of 1p for each £2 spent on the BT Retail Credit Card (max BT Credit Card Reward of £75 in any 12 month period).
0% p.a. on balance transfers fixed for the first 6 months.
Balance transfers subject to a 2% handling fee.
0% p.a. on purchases fixed for the first 10 months on petrol station and supermarket spend.
Petrol and supermarket offer is available instore only and includes most major UK supermarkets; Tesco, Sainsburys, Asda, Morrisons, Waitrose, Iceland, Somerfield, Co-op and Aldi.
Typical 16.9% APR variable.
0% p.a. on cash transfers into your current account fixed for the first 13 months.
Cash transfers subject to a 4% handling fee.
Interest free period of up to 50 days on all purchases.
No annual fee.

Virgin Atlantic American Express Credit Card

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0% p.a. on balance transfers fixed for the first 6 months.
Balance transfers subject to a 2% handling fee.
Typical 17.9% APR variable.
3,000 Flying Club miles as soon as you start using your Virgin Atlantic American Express Credit Card.
1 Flying Club mile for every £1 you spend on your Virgin Atlantic American Express Credit card.
Double Flying Club miles every time you use your Virgin Atlantic American Express Credit card to buy direct from Virgin Atlantic and Virgin Holidays.
Spend over £15,000 on card purchases and receive a complimentary companion reward flight.
Receive up to 2 Premium Economy reward upgrades a year (spend £10,000 and get a free upgrade when you use your Flying Club miles to purchase a flight; this can be done twice a year).
Up to £250,000 FREE Travel Accident Insurance.
Up to £1,500 FREE Lost Luggage Insurance.
Up to £250 Travel Inconvenience Insurance
Interest free period of up to 57 days on all purchases.
No annual fee.

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