Best 0% Balance Transfer Credit Cards in the UK: How to Pick and How to Use One
How UK balance transfers work, what the fee really costs, how long the 0% periods are in 2026 and the step-by-step process to move a balance without tripping up.
Balance Transfer guides
A balance transfer credit card lets you move debt from another credit card onto it, usually at a low or 0% intro rate for a set period, and it is for you if you are paying interest on existing card debt and have a plan to pay it down. The interest you save can go toward the balance instead.
Most balance transfers come with a transfer fee, charged as a percentage of the amount you move, so compare that fee along with the length of the intro period and the regular APR that applies once it ends. Check how long you have after opening the account to complete the transfer at the intro rate, and note that issuers generally do not let you transfer a balance between two of their own cards. Divide the balance by the number of intro months to see the monthly payment needed to clear it in time.
Read the best balance transfer credit cards to see what to look for, and how to do a balance transfer step by step for the process. The Wells Fargo Reflect is one no-annual-fee example in the US.
Balance Transfer Credit Cards in Australia: 0% Offers, Fees and the Revert Rate Trap
How Australian 0% balance transfers work, which banks offer the longest deals, what the transfer fee costs and why the revert rate is the number to watch.
How to Do a Balance Transfer in the US: Step by Step, With the Fees and Deadlines That Matter
A practical walkthrough of moving a US credit card balance to a 0% intro APR card — choosing the card, requesting the transfer, the 3%–5% fee, and paying it off before the intro period ends.
Best Balance Transfer Credit Cards: Cut Your Interest
Math the fee against the interest