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Compare a selection of the best credit cards that offer features such as 0% balance transfers, 0% on purchases, cashback cards and prepaid credit cards.


Barclaycard Platinum

Apply Now
on Barclaycard's secure website

Barclaycard Platinum 33 Month 0% Balance Transfer Credit Card

BEST FOR: Long intro 0% period

ATN STAR RATING: Money Advice Online 5 Star rating

Why we like it:

  • 0% interest for 33 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer.
  • 0% interest on purchases for 6 months from the date you open your account.
  • £20 cashback when you transfer a balance of £2000 or more within 60 days of opening your account.

Things to watch:

  • You can't transfer a balance from another Barclaycard.
  • Make sure you pay the minimum repayment every month, or you'll lose the 0% deal.
  • Don't withdraw cash on this credit card. It won't be at the cheap rate and any cash withdrawals damage your credit file.

  Stats & facts:

BALANCE TRANSFERS

0% for 33 Mth

BALANCE TRANSFER FEE

1.95%

REPRESENTATIVE APR

19.9% APR

CREDIT SCORE
NEEDED

Good - Excellent

Apply Now

on Barclaycard's secure website

Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable.


Halifax balance transfer

Apply Now
on Halifax's secure website

Halifax's Longest Balance Transfer Credit Card

BEST FOR: Longest 0% balance transfer period

ATN STAR RATING: Money Advice Online 4 Star rating

Why we like it:

  • No annual fee.
  • 0% interest for up to 34 months on balance transfers from the date you open your account. Transfers must be made within 90 days to benefit from the 0% offer.
  • 0% interest on purchases for 3 months from the date you open your account.

Things to watch:

  • High fee of 3%, so if you can clear your balance within the 34 months, other cards may be a better deal.
  • Not everyone gets the best rate as it's an "up to" card.
  • You can transfer your balance from most credit cards and store cards, except Halifax cards. Cards must display a Visa, MasterCard or Amex logo.
  • Each transfer must be at least £100.
  • Make sure you pay the minimum repayment every month, or you'll lose the 0% deal.
  • Don't withdraw cash on this credit card. It won't be at the cheap rate and any cash withdrawals damage your credit file.

  Stats & facts:

BALANCE TRANSFERS

0% for 34 Mth

BALANCE TRANSFER FEE

3%

REPRESENTATIVE APR

19.9% APR

CREDIT SCORE
NEEDED

Good - Excellent

Apply Now

on Halifax's secure website

Representative Example: Based on a credit limit of £1200.00 charged at 19.95% variable per annum for purchases. Representative 19.9% APR variable.


HSBC balance transfer

Apply Now
on HSBC's secure website

HSBC 32 Month Balance Transfer Credit Card

BEST FOR: Cashback & a decent 0% period

ATN STAR RATING: Money Advice Online 4 Star rating

Why we like it:

  • No annual fee.
  • 0% interest for 32 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer.
  • 0% interest on purchases for 3 months from the date you open your account.
  • £25 cashback when you purchase or transfer a balance atleast £300 or more within 60 days of opening your account.

Things to watch:

  • You can't transfer a balance from another HSBC Group credit card, which includes HSBC, First Direct, M&S Bank and John Lewis.
  • Make sure you pay the minimum repayment every month, or you'll lose the 0% deal.
  • Don't withdraw cash on this credit card. It won't be at the cheap rate and any cash withdrawals damage your credit file.

  Stats & facts:

BALANCE TRANSFERS

0% for 32 Mth

BALANCE TRANSFER FEE

1.4% (£5 min)

REPRESENTATIVE APR

19.9% APR

CREDIT SCORE
NEEDED

Good - Excellent

Apply Now

on HSBC's secure website

Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable.


Sainsbury's balance transfer

Apply Now
on Sainsbury's Bank's secure website

30 Month Balance Transfer Credit Card

BEST FOR: Nectar points & a decent 0% period

ATN STAR RATING: Money Advice Online 4 Star rating

Why we like it:

  • No annual fee.
  • 0% interest for 30 months on balance transfers from the date you open your account.
  • Earn 750 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 7,500 points.
  • Collect Nectar points wherever you shop.
  • Nectar points collected using your Credit Card are in addition to the points you collect from swiping your Nectar card or using it online during a transaction.

Things to watch:

  • You can't transfer a balance from another Sainsbury's bank credit card.
  • Make sure you pay the minimum repayment every month and don't go over your credit limit, or you'll lose the 0% deal.
  • Don't withdraw cash on this credit card. It won't be at the cheap rate and any cash withdrawals damage your credit file.

  Stats & facts:

BALANCE TRANSFERS

0% for 30 Mth

BALANCE TRANSFER FEE

1.5% (£3 min)

REPRESENTATIVE APR

19.9% APR

CREDIT SCORE
NEEDED

Good - Excellent

Apply Now

on Sainsbury's Bank's secure website

Representative Example: Based on a credit limit of £1200.00 charged at 19.95% variable per annum for purchases. Representative 19.9% APR variable.


Our team of experts have chosen those balance transfer cards they believe to be Best Buys. All rates subject to change without notice. Please check all rates and terms before investing or borrowing. Last updated 27/07/2015.

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