1. Barclaycard Platinum Balance Transfer & Purchase Credit Card
Balance transfer – 0% for 22 months with a 2.9% fee
Purchases – 0% for 25 months
Representative APR (variable) – 22.9% APR
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise, the rate will be 22.9% p.a. variable with no fee. The duration of the introductory offer may vary depending on your personal circumstances.
2. Sainsbury’s Bank Dual Offer Credit Card
Balance transfer – 0% for 21 months with a 3% fee (£3 min.)
Purchases – 0% for 21 months
Representative APR (variable) – 21.9% APR
The balance transfer fee of 3% or 4% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter. Sainsbury’s Bank may offer you a 0% interest period of 21 or 13 months instead depending on your individual circumstances.
3. M&S Bank Shopping Plus Credit Card
Balance transfer – 0% for 18 months with a 2.99% fee (£5 min.)
Purchases – 0% for 21 months
Representative APR (variable) – 23.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise, the rate will be 23.9% p.a. variable with no fee.
4. Halifax Longest 0% Balance Transfer Credit Card
Balance transfer – 0% for 29 months with a 3.49% fee
Purchases – 0% for 6 months
Representative APR (variable) – 22.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers. The duration of the introductory offer may vary depending on your personal circumstances.
5. Lloyds 0% Purchase and Balance Transfer Card
Balance transfer – 0% for 15 months with a 2.99% fee
Purchases – 0% for 17 months
Representative APR (variable) – 22.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers. The duration of the introductory offer may vary depending on your personal circumstances.
6. Sainsbury’s Bank Balance Transfer Credit Card (34 Mths)
Balance transfer – 0% for 34 months with a 2.88% fee (£3 min.)
Purchases – 0% for 3 months
Representative APR (variable) – 21.9% APR
Once the 0% deal ends the balance transfer rate will be 21.95% p.a. variable with a 3% fee. The duration of the introductory offer may vary depending on your personal circumstances.
7. American Express Platinum Cashback Everyday Card
Balance transfer –
Purchases – 27.2% p.a. variable
Representative APR (variable) – 27.2% APR
Get 5% cashback up to £100 in your first 3 months of Card membership. After the first 3 months earn up to 1% depending on how much you spend. The balance transfer facility is only available on request and at the discretion of Amex.
8. Barclaycard Rewards Credit Card
Balance transfer – 25.9% p.a. variable
Purchases – 25.9% p.a. variable
Representative APR (variable) – 25.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after the trial ends. UK only, T&Cs apply.
9. Sainsbury’s Bank Balance Transfer Credit Card (29 Mths)
Balance transfer – 0% for 29 months with a 1% fee (£3 min.)
Purchases – 0% for 3 months
Representative APR (variable) – 21.9% APR
A Balance transfer fee of 1% or 2% applies on transfers made at application, depending on your circumstances (£3 minimum). The charge will depend on your current offer thereafter. Once the 0% deal ends the balance transfer rate will be 21.95% p.a. variable with a 3% fee. Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 29 or 21 months, depending on your individual circumstances.
10. Barclaycard Avios Plus Card
Balance transfer – 25.9% p.a. variable
Purchases – 25.9% p.a. variable
Representative APR (variable) – 75% APR
If you’re new to Barclaycard, you’ll collect 25,000 Avios if you spend £3,000 in your first three months. Collect 1.5 Avios for every £1 spent on eligible purchases to put towards flights, hotels, car hire, and more. T&Cs apply. British Airways cabin upgrade voucher if you spend £10,000 in a card year.