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Introductory Balance Transfer Rate Credit Cards

 
  This is our shortlist of the best UK Credit Cards offering Low Introductory Balance Transfer Rates. Many of these Credit Cards offer 0% for an introductory period of 6 months or more. If you feel that you are going to be able to pay off your balance within this time, an introductory balance transfer card is a good option.  
 

Our Credit Card Comparison Table Below Outlines The Key Features Of
The Best UK Credit Cards Offering Introductory Low Balance Transfer Rates.

 


Credit Card Balance Transfer Rate Purchase Rate Cash Back
& Rewards
Representative APR Variable Link to More
Details
Link To
Apply
 
 

Barclaycard Platinum Credit Card

Barclaycard Platinum Credit Card

0% For 22 Months
3.2% Fee Applies

0%
3 Months

Yes
Barclaycard Freedom

Representative
17.5%
APR Variable

More Info On The Barclaycard Platinum Credit Card

Apply Now For A Barclaycard Platinum Credit Card

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.5% (variable) your Representative APR will be 17.5% Per Annum (variable).

 
 
 
 

Virgin 0% Credit Card

Virgin Credit Card

0% For
20 Months
2.99% Fee Applies

0%
3 Months

Online
Rewards Shop

Representative 16.8%
APR Variable

More Info On The Virgin 0% Credit Card

Before You Apply Please Ensure The Following
* You are at least 22 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK 
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% Per Annum (variable).

 
 
 
 

Natwest Platinum Credit Card

Natwest Platinum Card

0% For
20 Months
3.2% Fee Applies

0%
6 Months

No

Representative 17.9%
APR Variable

More Info On The Natwest Platinum Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You are in full time employment earning
   at least £10,000 Per Annum
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% Per Annum (variable).

 
 
 
 

RBS Platinum Credit Card

RBS Platinum Card

0% For
20 Months
3.2% Fee Applies

0%
3 Months

No

Representative 16.9%
APR Variable

More Info On The RBS Platinum Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You are in full time employment earning
   at least £10,000 Per Annum
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% Per Annum (variable).

 
 
 
 

Bank Of Scotland Plus Credit Card

BOS Plus Credit Card

0% For
18 Months
3% Fee Applies

0%
3 Months

No

Representative 16.9%
APR Variable

More Info On The Bank Of Scotland Plus Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You have a regular income 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% Per Annum (variable).

 
 
 
 

The AA Credit Card

 

AA Credit Card

0%
For 12 Months
3% Fee Applies

0%
For 10 Months

Reward Points

Representative 16.9%
APR Variable

More Info On The AA Credit Card

Your credit card application is more likely to be accepted by MBNA if
* You are at least 22 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK
* You have an income of over £20,000
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% Per Annum (variable).

 
 
 
 

Halifax Credit Card

Halifax All In One Credit Card

0% For
15 Months *
3% Fee Applies

0%
15 Months

No

Representative 17.9%
APR Variable

More Info On The Halifax Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You have a regular income 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% Per Annum (variable).
*I
f you are accepted at the highest rate of 23.9% APR variable you may not be offered an introductory period on balance transfers and purchases.

 
 
 
 

Bank Of Scotland All In One Credit Card

BOS All In One Credit Card

0% For
12 Months
3% Fee Applies

0%
12 Months

No

Representative 17.9%
APR Variable

More Info On The Bank Of Scotland All In One Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You have a regular income 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% Per Annum (variable).

 
 
 
 

Tesco Clubcard Credit Card

Tesco Clubcard Credit Card

0% For
9 Months
2.9% Fee Applies

0%
15 Months

Clubcard Points
On Purchases

Representative 16.9%
APR Variable

More Info On The Tesco Clubcard Credit Card

Apply Now For A Tesco Clubcard Credit Card

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% Per Annum (variable).

 
 
 
 

The Lloyds TSB Airmiles Duo Credit Card

Lloyds TSB Airmiles Duo Card

0% For
6 Months
3% Fee Applies

15.9% APR
Variable

Airmiles

Representative 15.9%
APR Variable

More Info On The Lloyds Tsb Platinum Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK
* You have an income of over £15,000
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 15.94% (variable) your Representative APR will be 15.9% Per Annum (variable).

 
 
 
 

Virgin Atlantic Credit Card

Virgin Atlantic Credit Card

0% For
6 Months
2% Fee Applies

17.9% APR
Variable

Virgin Flying
Club Miles

Representative 17.9%
APR Variable

More Info On The Virgin Atlantic Credit Card

Before You Apply Please Ensure The Following
* You are at least 21 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% Per Annum (variable).

 
 
 

 

If however, your debt is large and you are looking at a period of years before you will have paid it off, the best bet is to consider a UK Credit Card offering a Lifetime Balance Transfer Rate. The rate will be higher, but it will work out better for you in the long term, because your debt is over a wider timeframe. There are credit card rates on offer for as low as 5.9%. An Introductory Balance Transfer credit card is very useful if you have an existing debt you wish to move over to your new card. Many Introductory Balance Transfer cards also offer zero percent on new purchases for a limited period as well. This could allow you to re-structure your finances in a number of ways. By moving a balance over to capitalise on your introductory rate you  would of course have re-structured your finances, but it is only a short period of time. The main factor therefore to consider here is the length of time you will remain in debt as once the fixed period is over, all new debt normally moves to the standard variable interest rate.
                              The question you need to ask yourself when considering a credit card of this type is; "other than transferring a balance, what other features and benefits am I looking for"? As you can see from our table above, there is a great deal of choice as far as the other features you may be looking for are concerned. Here at Compare Credit Card we do also offer help and information on choosing a credit card, so if you need more clarification, click on the button to your left called "UK Credit Card Info".

 

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