Balance Transfer Credit Cards

Credit card companies know that there are occasions when you want to consolidate your debts onto one card. So by offering good deals on balance transfers, they gain new customers and you get a chance to clear an outstanding debt whilst saving hundreds of pounds on interest payments.

Product Features & Benefits
Barclaycard Platinum
  • 0% on balance transfers until 1-Jan-2010 (2.9% handling charge.)
  • 0% on purchases for the first 3 months
  • Typical rate 14.9% APR (variable)
  • Purchase Delivery Protectionon phone or mail orders or new goods

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Post Office Credit Card
  • 0% on balance transfers for the first 12 months (2.75% handling charge applies. Offer on transfers for first 3 months only)
  • 0% on purchases for the first 3 months
  • Typical rate 16.9% APR (variable)
  • 0% commission on purchases overseas
  • 0% again on balance transfers for 5 months* on the month of your 1st and 2nd anniversary
  • 24/7 helpline, and online account management

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Virgin Credit Card
  • 0% balance transfer for 16 months (a 2.98% handling charge applies)
  • Design your own card from benefits to design
  • Typical rate 16.6% APR (variable) on purchases
  • Lots of Virgin discounts
  • Discounted vouchers for leading high street stores

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Nationwide Credit Card
  • 0% on balance transfers for 10 months (a 2.5% handling charge applies)
  • 0% interest for purchases - fixed for 1st 3 months
  • Typical 15.9% APR variable
  • No commission fees on purchases abroad
  • Free 12 month extended warranty selected goods

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AMEX Platinum Credit Card
  • Typical 18.9% APR variable
  • Up to 5% MoneyBack for on card purchases for the first 3 months (£200 limit), then Standard MoneyBack rate up to 1.5%
  • Balance transfer promotional rates vary
  • Up to 56 days interest-free credit on purchases
  • You won't be liable for any fraudulent use of your Amex card on the Internet.

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If you are one of the thousands of multi credit card customers who forget to pay their minimum payments each month, you could be saving the money wasted on late payment charges. Another great balance transfer option is to go for a card that offers a low interest rate for the life of the card. This means that you know exactly what your interest charges will be and they won't increase. Check out our Best Picks for Balance Transfer Cards by clicking 'More Details' where you can apply direct to the providers.

Virgin Money Credit Card