0% balance transfer with no fee

Joannef_2

Bit of a long shopt but I am looking for a 0% deal with no balance transfer fee and wondered if anyone has seen any recently? I know there aren't many of these around any more but I have so far managed to find a deal when I need one, but they just aren't normally advertised as much as the deals with a bt fee. The last one I got was MBNA.

Thanks.

Moggles_2

Have you considered the Capital One Balance Transfer card? The current deal offers interest-free BTs until 1 August 2008 with no handling charges.
Note: this card requires an "excellent" credit rating, so please check you can meet the criteria listed on the Capital One website before you apply.

If you are already a C1 cardholder, I can recommend the Ulster Bank Gold card (not to be confused with the Ulster Rugby card, which is a completely separate animal run by the Bank of Ireland.)

The Ulster Bank cards offer 0% BTs for 6 months from account opening and there's no handling fee. Issued by the Royal Bank of Scotland, they're well worth considering for balances under £4,000

Note: applications are by phone or post. The bank does not accept online applications. Once set up though, your account can be viewed online.

Joannef_2

Thanks. I have the capital one cashback card so I'll go for the Ulster Bank card.

exel1966

Just a small note of caution reference Ulster in that they are quite slow in processing applications and generally only offer up to £3500 limits for people with good credit ratings. Hopefully that will be adequate for your needs.

There are two other cards possibly open to you with 6 months 0%, but you already have to be a customer to qualify for 0% and no BT fee. They are Britannia BS and Norwich & Peterborough BS. ICICI also do a card for 3 months, but they are also very slow in processing applications.