- No rewards breakdown available
0% interest on balance transfers for up to 38 months and 0% interest on purchases for the first 3 months.
Rewards are typically limited to Mastercard-related benefits rather than direct cashback.
24.9% Variable APR
The TSB Platinum Balance Transfer Card stands out as the top choice because it offers an impressive 38 months of 0% interest on balance transfers, making it ideal for those looking to consolidate high-interest debt without incurring additional costs.
Pros:
- Long 0% interest period on balance transfers
- No annual fee
Cons:
- Limited rewards compared to cashback cards
- Transfer fees apply
- No rewards breakdown available
0% interest on balance transfers for up to 36 months.
Collect Clubcard points on everyday spending.
24.9% Variable APR
What sets the Tesco Bank Clubcard Credit Card apart is its ability to earn Clubcard points on everyday spending while providing a generous 36 months of 0% interest on balance transfers, making it a great option for those who shop at Tesco.
Pros:
- Long 0% interest period on balance transfers
- Ability to earn Clubcard points
Cons:
- Transfer fees apply
- Limited rewards on balance transfers
3.Barclaycard Platinum 36 Month Balance Transfer Visa
Barclaycard
- No rewards breakdown available
£20 cashback on qualifying transfers of £2,500+.
Includes 12 months of Apple TV+.
24.9% Variable APR
The standout feature here is the combination of a lengthy 36-month 0% interest period on balance transfers and the attractive £20 cashback offer for transfers of £2,500 or more, making it a compelling choice for those looking to manage their debt effectively.
Pros:
- Long 0% interest period on balance transfers
- Cashback offer on large transfers
Cons:
- Transfer fee applies
- Limited time offers
- No rewards breakdown available
0% interest on balance transfers for up to 35 months.
Access to Virgin Money Cashback rewards.
27.9% Variable APR
This card shines for its impressive 35-month 0% interest on balance transfers, allowing users to consolidate debt effectively while also providing access to cashback rewards at selected retailers.
Pros:
- Long 0% interest period on balance transfers
- Cashback rewards available
Cons:
- Transfer fees apply
- Higher APR compared to others
- No rewards breakdown available
0% interest on balance transfers for up to 35 months.
May offer introductory rewards such as points.
24.9% Variable APR
A key differentiator is the HSBC Balance Transfer Credit Card's ability to offer up to 35 months of 0% interest on balance transfers, making it a strong contender for those looking to manage their debt effectively.
Pros:
- Long 0% interest period on balance transfers
- No annual fee
Cons:
- Transfer fees apply
- Limited rewards
Final Words
As you consider the best balance transfer credit cards this February 2026, remember that the right choice can significantly ease your financial burden. Take time to compare your options carefully, focusing on interest rates, transfer durations, and fees, so you can make an informed decision that best suits your financial needs.
Frequently Asked Questions
The TSB Platinum Balance Transfer Card Mastercard offers 0% interest on balance transfers for up to 38 months and 0% interest on purchases for the first 3 months.
With the Tesco Bank Clubcard Credit Card Balance Transfer Mastercard, you can collect Clubcard points on everyday spending. This card does not offer a traditional cash reward but allows you to earn points that can be redeemed for benefits.
Yes, the Barclaycard Platinum 36 Month Balance Transfer Visa provides £20 cashback on qualifying transfers of £2,500+ as part of its welcome bonus. Additionally, it includes 12 months of Apple TV+ as a reward.
Most balance transfer credit cards in the UK have a typical APR around 24.9% Variable APR. It's important to compare different cards to find the best terms for your needs.
When choosing a balance transfer credit card, consider the length of the 0% interest period, any applicable fees, and the APR after the promotional period ends. Additionally, assess any rewards or benefits that may complement your spending habits.
Many balance transfer cards do not have annual fees, but some may charge a balance transfer fee, typically a percentage of the transfer amount. Always read the terms carefully to avoid unexpected costs.
The application process for balance transfer credit cards typically involves filling out an online form with your personal and financial information. Approval can be instant, but it's important to ensure you meet the eligibility criteria before applying.
