The best 0% balance transfer credit cards

Balance transfer credit cards can slash the costs of existing credit card debt and could save you thousands by reducing the interest you pay.

These cards allow you to transfer debt from one credit card provider to another at 0% interest — as long as you keep up with monthly payments and do not use the card for purchases.

Kalpana Fitzpatrick, MoneyWeek’s digital editor, says: “Balance transfer cards can help you clear out existing debt at no extra cost and are great for those that have existing credit card balances.

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“But, keep in mind you will need a good credit score to get the top deal and there are often transfer fees to pay, so this only makes sense if you have a fairly large balance and you can pay it off in the 0% period.”

If you’re looking to reduce your credit card debt this year, banks are offering some of the longest deals of more than 30 months with 0% interest on balance transfers.

According to financial ratings expert Defaqto, 12 credit cards are offering more than 30 months with no interest in 2026, while only three such deals were available at the beginning of last year.

We round up the best 0% balance transfer credit cards on the market now.

Balance transfer credit cards vs money transfer credit cards

While both types of cards might sound similar, they serve two different purposes.

Balance transfer credit cards let you shift any outstanding balance from a current card to one with a lower or 0% interest rate, meaning that you can pay off the balance faster.

In contrast, money transfer credit cards allow you to move funds directly from a card into your bank account. This is usually done with a 0% interest rate for a set period of time to help you clear an overdraft or an outstanding bill.

The best 0% balance transfer credit cards

Here are some of the best 0% balance transfer cards on the market.

Cards with the longest offer

Source: Defaqto

TSB Platinum Balance Transfer Card

This is currently the top deal on the market, with the longest duration of up to 38 months. Here’s what you get:

• Up to 38 months, 0% interest on balance transfers, then rate jumps to 24.9% APR
• 3.49% transfer fee
• 0% on purchases for three months, then rates vary
• The minimum you can transfer is £100, up to a maximum 95% of your credit limit from UK cards
• To benefit from the balance transfer offer, it needs to be taken out within 90 days of opening the account.
• You can’t make a transfer from any other TSB cards.

Existing customers can apply on the TSB app.

Barclaycard Platinum Balance Transfer

• Up to 36 months, 0% interest on balance transfers
• 3.45% transfer fee
• 0% on purchases for three months. After the promotional period, a monthly rate of 1.87% or annual rate of 22.44% applies
• To benefit from the balance transfer offer, it needs to be taken out within 60 days of opening the account.
• The minimum you can transfer is £250 across up to five balance transfers. The maximum transfer will be 90% of your credit limit.
• You can’t make a transfer from any other Barclaycard or partner cards.
• After the 0% period, the interest rate jumps to 24.9% APR

New customers can also get £20 cashback when they transfer at least £2,500 within 60 days of opening the account. On top of that, you can get a free 12-month Apple TV subscription. This offer will end on 29 January 2026.

Tesco Bank Balance Transfer Credit Card

• 36 months, 0% interest on balance transfers, then 24.9%
• 3.45% transfer fee
• 0% interest on money transfers for nine months, with a 3.99% transfer fee
• You can transfer up to 95% of your available credit limit

You may receive a purchase rate of between 24.9% to 29.9% variable, depending on your circumstances. If you use your card for spending, you won’t be charged any interest, provided you pay off the balances that aren’t on a 0% rate in full each month.

You can pay with your card in or outside of Tesco and collect Clubcard points. You get five points for every £4 spent using a Clubcard Credit Card at Tesco, one point for every £4 spent, one point per litre of Tesco Fuel, and one point for every £8 spent.

Virgin Money Balance Transfer Credit Card

• Up to 35 months, 0% interest on balance transfers, then 27.9%
• To benefit from the balance transfer offer, it needs to be taken out within 60 days of opening the account.
• 0% interest on purchases for three months, then 27.9% variable
• Transfer up to 95% of your credit limit
• 2.95% transfer fee
• You can't make a transfer from another Virgin Money credit card

Virgin’s balance transfer credit card comes with a relatively high transfer period and a lower transfer fee compared to other providers.

HSBC Balance Transfer Credit Card

• Up to 35 months, 0% interest on balance transfers, then rate jumps to 24.9%
• To benefit from the balance transfer offer, it needs to be taken out within 60 days of opening the account.
• 3.19% transfer fee (minimum transfer of £5)
• 0% on purchases for three months, then rate jumps to 24.9%
• You won’t be eligible if you hold an HSBC Basic Bank Account.

Cards with no or low transfer fee

There are options available for customers who want a 0% balance transfer card with no transfer fee. We round up the options.

Barclaycard No Fee Platinum Balance Transfer Credit Card

• No fee to transfer a balance for up to 14 months
• 0% interest on balance transfers
• 0% interest on purchases for three months
• After the 0% period, the interest rate jumps to 24.9% APR for both balance transfers and purchases
• No monthly account fee
• To benefit from the offer, you must transfer within 60 days of opening your account.

Natwest Balance Transfer Credit Card

• Up to 12 months, 0% interest on balance transfers
• Balance transfers must be made within three months of opening the account
• No fee to transfer
• 0% interest on purchases for three months
• Minimum transfer of at least £100
• Can transfer up to 95% of your credit limit
• After the 0% period, the rate changes to 24.9% for both balance transfers and purchases

Santander Everyday No Balance Transfer Fee Credit Card

• Up to 12 months, 0% interest on balance transfers
• No fee to transfer a balance for the first 12 months
• No monthly account fee
• 0% interest on purchases for three months
• After the 0% period, the interest rate jumps to 24.9% APR for both balance transfers and purchases

You shouldn’t already have another Everyday credit card, and you can’t transfer balances from other Santander or Cahoot credit cards.

Santander All in One Credit Card

• 15 months, 0% interest on balance transfers and purchases
• No transfer fee
• £3 monthly charge to hold the account
• No foreign exchange fees on overseas purchases
• 0.5% cashback on all purchases (up to £10 a month)
• After the 0% period, the rate jumps to 29.8% APR for balance transfers and 23.9% for purchases

You won’t be able to transfer any balances from other Santander or Cahoot credit cards, loans or current accounts.

Tesco Bank Low Fee Balance Transfer Credit Card

• 0.75% to transfer a balance for up to 15 months
• 0% interest on balance transfers for 15 months
• 0% interest on purchases for three months
• After the 0% period, the interest rate jumps to 24.9% APR for both balance transfers and purchases
• 0% interest on money transfers for nine months, with a 3.99% transfer fee
• To benefit from the offer, you must transfer within 90 days of opening your account.
• Collect Clubcard points on spending

If your credit score isn't perfect, you might be offered less time to pay off the balance.

It’s also important that you only use the card to pay off the existing credit card debt and do not use it to spend — otherwise, you could face hefty interest charges. Failing to pay the minimum balance each month could mean you incur fines and damage your credit rating.