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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
Typical APR Variable
% Rate
Link to More
Details
Link To
Apply

Virgin 0% Credit Card

Virgin Credit Card

0% For
16 Months
2.98% Fee Applies

0%
3 Months

Online
Rewards Shop

Typical 16.6%
APR Variable

More Info On The Virgin 0% Credit Card

Apply Now For A Virgin 0% Credit Card

BT Credit Card

 

BT Credit Card

0% For
13 Months
3% Fee Applies

0%
3 Months

Money Off Your Phone Bills

Typical 16.9%
APR Variable

More Info On The BT Credit Card

Apply Now For A BT Credit Card

Egg Credit Card

Egg Credit Card

0% Until
1st Mar 2011
3% Fee Applies

0% Until
1st Apr 2010

Selected Discounts
& Retail Deals

Typical 16.9%
APR Variable

More Info On The Egg Credit Card

Apply Now For An Egg Credit Card

The AA Credit Card

 

AA Credit Card

0% Until
Feb 2011
2.99% Fee Applies

0% Until
Feb 2011

Only For AA Products,
Fuel & Motoring

Reward Points

Typical 16.9%
APR Variable

More Info On The AA Credit Card

To apply for the AA Credit Card please check you can answer ‘yes’ to the qualifying criteria:
I am currently employed 
I am a UK resident and can prove residential addresses for the past two years 
I am a homeowner 
I have an income of over £20,000 
I have not applied for an MBNA or Virgin Credit Card within the last 6 months 
I am over 21 years of age 
I don’t have any recent credit defaults, county count judgements (CCJ’s) or been made bankrupt

bmi Credit Card

 

bmi Credit Card

0% For
12 Months
3% Fee Applies

0%
3 Months

Flight Reward
Points

Typical 15.9%
APR Variable

More Info On The bmi Credit Card

Apply Now For A bmi Credit Card

RSPCA Credit Card

RSPCA Credit Card

0% For
12 Months
3% Fee Applies

0%
3 Months

No This Is A
Charity Card.

Typical 15.9%
APR Variable

More Info On The RSPCA Credit Card

Apply Now For An RSPCA Credit Card

MBNA Points Credit Card

MBNA Platinum Rewards

0%
13 Months
2.9% Fee Applies

0%
3 Months

Reward
Points

Typical 16.9%
APR Variable

More Info On The MBNA Points Credit Card

Apply Now For An MBNA Points Credit Card

Sony Card Credit Card

Sony Credit Card

0% For
12 Months
3% Fee Applies

0%
3 Months

Pulse Beat
Points

Typical 15.9%
APR Variable

More Info On The Sony Card Credit Card

Apply Now For A Sony Card Credit Card

 MBNA Platinum Plus Credit Card

MBNA Platinum Plus

0% For
13 Months
2.9% Fee Applies

0%
3 Months

No

Typical 16.9%
APR Variable

More Info On The MBNA Platinum Plus Credit Card

Apply Now For An MBNA Platinum Plus Credit Card

bmi Credit Card

 

WWF Credit Card

0% For
12 Months
3% Fee Applies

0%
3 Months

No this is a charity card

Typical 15.9%
APR Variable

More Info On The WWF Credit Card

Apply Now For A WWF Credit Card

Bank Of Scotland All In One Credit Card

BOS All In One Credit Card

0% For
9 Months
3% Fee Applies

0%
9 Months

No

Typical 15.9%
APR Variable

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

Apply Now For A Bank Of Scotland All In One Credit Card

Halifax Credit Card

Halifax Credit Card

0% For
9 Months
3% Fee Applies

0%
9 Months

No

Typical 15.9%
APR Variable

More Info On The Halifax Credit Card

Apply Now For A Halifax Credit Card

Virgin Atlantic Credit Card

Virgin Atlantic Credit Card

0% For
6 Months
2% Fee Applies

17.9% APR
Variable

Virgin Flying
Club Miles

Typical 17.9%
APR Variable

More Info On The Virgin Atlantic Credit Card

Apply Now For A Virgin Atlantic Credit Card


 

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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