Based on 198 reviews
A product by Nationwide
Nationwide’s purchase and balance transfer credit card offers 0% interest on all purchases and balance transfers for 15 months. The 0% interest also applies to spending abroad. You can apply if...
Based on 321 reviews
A product by Tesco Bank
With Tesco Bank Clubcard credit cards, you can collect Clubcard points, spread the cost of larger purchases, help build your credit score and transfer balances. There are a range of cards...
Based on 799 reviews
A product by Virgin Money
Virgin Money offers a range of credit cards with various features to suit different needs. Options include cards with 0% interest on balance transfers and purchases for an introductory period,...
Based on 314 reviews
A product by Barclaycard
Barclaycard Platinum credit cards are designed for purchases and balance transfers. You can get 0% on spending and balance transfers across a range of terms. Depending on the Barclaycard Platinum credit...
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Based on 117 reviews
A product by HSBC
With the HSBC Purchase Plus credit card, you can get a period of interest free purchases and balance transfers. There's no annual fee for the Purchase Plus credit card. You can...
Based on 188 reviews
A product by M&S Bank - Marks and Spencer
With the M&S credit card, you can get 0% interest on purchases and balance transfers for a period of time. You can shop with your M&S credit card in millions of...
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Frequently asked questions
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What is a balance transfer credit card?
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A balance transfer credit card is a particular type of credit card used to move outstanding debt from one credit card to another. It usually offers lower interest rates and would be with a different credit card provider.
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How does a balance transfer credit card work?
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Transferring credit card debt onto a balance transfer credit card helps you manage outstanding debts in a more affordable way. Many balance transfer cards provide 0% interest during an introductory period. This means that you'll be able to pay off more of what you owe as no additional interest is being added.
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Does transferring a card balance affect your credit score?
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When you apply for a new balance transfer card, the lender will check your credit report. This is a 'hard check' that will leave a footprint on your credit report and can mean a temporary drop in your credit score. However, you may find your credit score actually improves over time. This is because you're likely to pay off the balance quicker as the interest rate will be lower or even 0%, assuming you don't spend money on the card and increase your existing debt.
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