Sorted by intro period then APR. Representative rates only.
| Provider | Product | APR / Intro | Transfer fee | Action |
|---|---|---|---|---|
| Barclaycard | 0% Balance Transfer Card | 0% · 24mo | 3.2% | Compare |
| HSBC | Balance Transfer Credit Card | 0% · 18mo | 2.99% | Compare |
| NatWest | Low Rate Credit Card | 12.9% | — | Compare |
| American Express | Cashback Credit Card | 28.6% | — | Compare |
APR (Annual Percentage Rate) reflects the yearly cost of borrowing on a card if you carry a balance, including certain fees defined in the regulations.
The representative APR is the rate at least 51% of accepted applicants must receive. Your personal APR can be higher depending on credit history.
A balance transfer moves debt from one card to another, often with a 0% introductory period on the transferred amount.
Issuers usually charge a transfer fee (commonly 1–3% of the amount moved). The standard APR applies after the promo ends, so plan repayments before that date.
Missing payments can void promotional rates. Check minimum payment rules and whether new spending shares the same promo terms.
Issuers assess income, existing debt, credit score and UK residency. Stronger profiles tend to receive higher limits and lower APRs.
Soft searches for pre-approval may not affect your file; hard searches from a full application leave a mark. Space out applications if you are shopping around.
Read the summary box for fees, foreign usage charges and how repayments are allocated between promotional and standard balances.