The top credit cards with 0% balance transfers

Credit cards with zero percent balance transfers can lower your overall borrowing costs and save you thousands of pounds if you have credit card debt

We feature a selection of the greatest offers available right now.

Through lower interest rates, balance transfer credit cards can drastically lower the cost of your current credit card debt and potentially save you thousands of dollars.

As long as you make your monthly payments on time and avoid using the card for purchases, these cards let you transfer debt from one credit card company to another at no interest. Although some cards offer zero percent interest and no transfer fees, there is typically a one-time charge.

"Balance transfer cards are excellent for people who have existing credit card balances and can help you pay off existing debt at no additional cost," says Kaylie Pferten, digital editor for the BFIA. It only makes sense if you have a sizable balance and can pay it off within the 0% period, though, as you will need a high credit score to get the best deal and there are frequently transfer fees to pay.

Make sure you pay the minimum amount due each month and pay off the debt within the interest-free period to avoid paying interest. It's also crucial that you use the card exclusively to settle your current credit card debt; otherwise, you risk incurring high interest rates. You risk fines and credit rating damage if you don't pay the minimum amount due each month.

The top 0 percent balance transfer credit cards available right now are compiled here.

The top credit cards with zero percent balance transfers.

These are some of the top transfer cards with a zero percent balance available. This list is frequently updated.

The longest-term credit cards with a zero percent interest balance transfer offer.

These are a few of the top 0% balance transfer credit cards available. Regular updates are made to this list.

Transfer of Barclaycard Platinum Balance.

Up to 32 months, 0% interest, and a 3 point 19 percent transfer fee The balance transfer offer is only available if it is taken out within 60 days of the account being opened. You can make up to five balance transfers with a minimum of £250. You can only transfer up to 90% of your credit limit. 0% off purchases for three months No transfers from other Barclaycards or partner cards are permitted. After the 0 percent period, the interest rate increases to 24.9% APR. This is a good deal from Barclaycard, but you have to be a new customer to qualify, and your credit history determines whether you get the headline rate or not.

Credit card balance transfer from Tesco Bank.

32 months, 0 percent interest, 3 point 19 percent transfer fee, collecting Tesco Clubcard points when spending in Tesco, and 0 percent interest for nine months from the date of account opening on money transfers to a current account, with a 3 point 99 percent transfer fee. Following the 0 percent period, an interest rate of 24 point 9 percent will be applied to the HSBC Balance Transfer Credit Card.

The interest rate jumps to 24 percent after the 0 percent offer period. If you have an HSBC Basic Bank Account, you will not be eligible. The offer is valid for up to 32 months, with 0 percent interest if the transfer is made within the first 60 days and 3 point 49 percent fee (minimum 5). There is also no annual fee and 0 percent. Depending on your situation, you may receive interest rates and promotional periods that differ from those displayed here.

Credit Card Balance Transfer M&S.

Up to 30 months, 0 percent interest if the transfer is made within the first 90 days, 3 point 49 percent balance transfer fee (minimum of 5), no annual fee, 0 percent interest on purchases for three months, and up to 55 days of interest-free credit when you pay your balance in full and on time each month. After the 0 percent period, the interest rate increases to 24 point 9 percent APR. As is the case with most balance transfer cards, if your credit score isn't very good, you may have less time to pay off your balance than the highlighted amount.

Credit card Santander Everyday Long Term Balance Transfer.

For the first 31 months, there is no interest or transfer fee of 3 to 45 percent (minimum 5). After that, there is a rate of 24 to 9 percent. If you have an Everyday credit card, you are not eligible, and the rate you receive is determined by your credit score.

Cards with no transfer fees and a balance transfer of 0% interest.

The All-in-One Santander Credit Card.

15 months, 0 percent interest on balance transfers and purchases, no fees for transfers or foreign exchange fees on purchases made abroad, 0 percent cashback on all purchases (up to 10 per month), and a three-month fee to keep the account open. There won't be any balance transfers from other Cahoot or Santander credit cards, loans, or current accounts.

Transferring a Barclaycard Platinum balance is free.

For a maximum of 14 months, there is no interest, no fees for transferring a balance, no monthly account fees, and 0% interest on purchases for three months. After that, the interest rate increases to 24.9 percent APR. The length of time you have to transfer your balance without paying interest will be determined by your credit score. You must transfer within 60 days of creating your account in order to take advantage of the offer.

The Natwest Balance Transfer Credit Card.

Up to 12 months of interest-free balance transfers are required to be made within 3 months of account opening; there is no transfer fee. After the 0 percent period, the rate rises to 24.9%. Your actual credit limit will be determined by a credit evaluation.

Santander Everyday Credit Card with No Balance Transfer Fees.

The interest rate jumps to 24 percent APR after the 0 percent period. If your credit score isn't perfect, you may be given less time to pay off the balance. Up to 12 months, there is no interest charge, no fee to transfer a balance, no monthly account fee, and 0 percent interest on purchases for three months. You are not permitted to have more than one Everyday credit card, and you are not permitted to move funds between Santander or Cahoot credit cards.