Credit Card Balance Transfer Deals

The table below provides a comparison for credit card balance transfer rates for selected UK credit cards.

A credit card balance transfer is when you move a debt from an existing credit card onto another credit card with a lower or zero interest rate. This is usually offered to attract new customers and lasts for a specified period of time, after which the interest rate reverts to the standard rate.

0% rates for balance transfers

Credit Card	Intro Rate For Balance Transfers	Intro Rate For Purchases	Typical APR (variable)
RBS Platinum 1% off the APR for Royalties Gold customers	0% for 16 months (Fee: 2.9% - min £5)	0% for 3 months	16.9%
NatWest Platinum 1% off the APR for Advantage Gold customers	0% for 16 months (Fee: 2.9% - min £5)	0% for 3 months	16.9%
Barclaycard Platinum	0% for 16 months (Fee: 2.9% )	0% for 3 months	16.9%
HSBC Bank This product is only available to existing HSBC customers	0% for 15 months (Fee: 2.9% fee - min £5)	0% for 3 months	16.9%
Virgin	0% for 14 months (Fee: 2.98%)	0% for 3 months	16.6%
Egg	0% until October 2011 (Fee: 3% )	0% until November 2010	17.9%
MBNA Platinum Plus	0% for 13 months (Fee: 2.9% )	0% for 3 months	16.9%
MBNA Rewards	0% for 13 months (Fee: 2.9% - min £3)	0% for 3 months	16.9%
AA Credit Card Collect AA Rewards Points and exchange them for a range of motoring products and services	0% for 12 months (Fee: 3% - min £3)	0% for 9 months	18.9%
Virgin Purchases	0% for 12 months (Fee: 2.98%)	0% for 12 months	18.9%
Bank of Scotland All In One	0% for 10 months (Fee: 3% - min £3)	0% for 10 months	15.9%
Halifax All In One	0% for 10 months (Fee: 3% - min £3)	0% for 10 months	15.9%
Lloyds TSB Airmiles Duo Credit Card Account Get two free flights with the Lloyds TSB Airmiles Duo Credit Card Account	0% for 6 months (Fee: 3%)	15.9%	15.9%

Low long term / life of balance transfer rates

Credit Card Intro Rate For
Balance Transfers Intro Rate For
Purchases Typical APR (variable)

MBNA Rate for Life
5.9% on balance transfers and money transfers for the life of the balance 5.9% for the life of the balance
(Fee: 2% - min £3) 16.9% 16.9%