Which credit cards are currently the best 0% balance transfer?

james_uk

Which credit cards are currently the best 0% balance transfer?

Thanks

James

cymruchris

There's no definitive answer - as it'll be down to your own credit history/risk profile - each lender will assess you, and offer the deal they think is appropriate. What I get, or what Johnny up the road gets could be wildly different to what you get, even if it's the same card provider. There may be cards that say they offer X amount of months interest free with only an X percentage fee - but whether you'll get that is another matter, as it's only offered to a percentage of applicants.

Best to run some eligibility checkers across lenders direct websites and see what the likelihood is of getting a card that suits your needs.

Nebulous2

MSE does a roundup of the best deals, which is updated regularly. As said above acceptance will depend on eligibility.

https://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards/

daivid

The MSE list linked is a good starting point, but misses out a number of cards. The MSE credit club (free sign up) gives a slightly different list. Santander have a 12month no fee card which doesn’t appear on either lists. Best though is subjective, if you can pay off in a year 12months no fee is best, if you need more time 26 months with a 3.5% fee may be better…

surreysaver

Depends what you mean by 'best'. Some may be longer, but with a fee. Some may be shorter but without a fee. Others will be in-between.
You may be eligible for some, but not others 

Nasqueron

daivid said:

The MSE list linked is a good starting point, but misses out a number of cards. The MSE credit club (free sign up) gives a slightly different list. Santander have a 12month no fee card which doesn’t appear on either lists. Best though is subjective, if you can pay off in a year 12months no fee is best, if you need more time 26 months with a 3.5% fee may be better…

MSE largely (but not exclusively) link to cards they get referral fees for - helps keep the site free - but that does mean they miss a couple. Uswitch + MSE is a good idea to cover multiple angles, I recall Uswitch had 2-3 that were not on MSE and maybe vice versa

Malale

The best credit card with 0% balance transfer may depend on your situation and credit history. Some popular options include Chase Slate, Citi Simplicity, and Discover it. It's important to review the terms and conditions of each card, including promotional expiration dates and interest after the 0% period ends.

northwalesd

Malale said:

The best credit card with 0% balance transfer may depend on your situation and credit history. Some popular options include Chase Slate, Citi Simplicity, and Discover it. It's important to review the terms and conditions of each card, including promotional expiration dates and interest after the 0% period ends.

Aren't they all US credit cards? Not much use for those seeking advice on a UK website.