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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
14 Months
2.98% Fee Applies

0%
3 Months

Online
Rewards Shop

Typical 16.6%
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

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

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 an income of over £20,000
* You have a Bank or Building society account

RBS Platinum Credit Card

RBS Platinum Card

0% For
16 Months
2.9% Fee Applies

0%
3 Months

No

Typical 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

Mbna 5.9% For Life Credit Card

 

Mbna 5.9% For Life Card

5.9%
For Life
2% Fee Applies

16.9% APR
Variable

No

Typical 16.9%
APR Variable

More Info On The Mbna 5.9% For Life 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 an income of over £20,000
* You have a Bank or Building society account

Natwest Platinum Credit Card

Natwest Platinum Card

0% For
16 Months
2.9% Fee Applies

0%
3 Months

No

Typical 16.9%
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

bmi Credit Card

 

bmi Credit Card

0% For
12 Months
3% Fee Applies

0%
3 Months

Flight Reward
Points

Typical 16.9%
APR Variable

More Info On The bmi 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 an income of over £20,000
* You have a Bank or Building society account

 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

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 an income of over £20,000
* You have a Bank or Building society account

Bank Of Scotland All In One Credit Card

BOS All In One Credit Card

0% For
10 Months
3% Fee Applies

0%
10 Months

No

Typical 15.9%
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

The AA Credit Card

 

AA Credit Card

0%
For 9 Months
3% Fee Applies

0%
For 12 Months

Reward Points

Typical 16.9%
APR Variable

More Info On The AA 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 an income of over £20,000
* You have a Bank or Building society account

Halifax Credit Card

Halifax Credit Card

0% For
10 Months
3% Fee Applies

0%
10 Months

No

Typical 15.9%
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

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

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

Egg Credit Card

Egg Credit Card

0% Until
1st Oct 2011
3% Fee Applies

0% Until
1st Nov 2010

Selected Discounts
& Retail Deals

Typical 17.9%
APR Variable

More Info On The Egg 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 a Bank or Building society account


 

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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