Best Balance Transfer Credit Cards this January 2026 in the UK

What sets this card apart is its ability to earn Clubcard points on everyday spending while providing a lengthy 0% interest period on balance transfers, making it a versatile choice for Tesco shoppers.

No, you cannot transfer a balance between Tesco Bank Credit Cards.

Balance transfers may take a few days, and you should continue making payments on your old cards until the transfer is complete.

Yes, you can request a balance transfer from a Tesco credit card when you apply for a new Barclaycard.

This card shines for its extended 0% interest on balance transfers combined with a welcome bonus of cashback and an Apple TV subscription, making it a compelling option for new customers looking to save on interest while enjoying entertainment perks.

To perform a balance transfer, open the 'Cards' section in our app, select your Barclaycard, and scroll to 'Balance Transfers' to enter the details of the transfer.

The balance transfer fee is 3.45% with 0% interest for 36 months.

You can transfer funds up to your credit limit, but it's advisable to leave room for fees and interest to avoid exceeding your limit.

A key differentiator is the ability to earn cashback on new purchases while enjoying a 0% interest period on balance transfers, making it a practical choice for those looking to manage debt and earn rewards simultaneously.

After activation, log in to your MBNA account online and go to the Balance Transfer section to enter the required information. You can also use the MBNA app or call customer service at 1-800-404-1346.

No, you cannot transfer balances between MBNA accounts. Once a transfer is processed, it cannot be canceled, and any remaining balance after the promotional period will incur interest at the standard rate.

Typically, after approval, your balance transfer will arrive by the next working day. Continue making payments on other cards until the transfer appears on your statements.

This card excels in providing a lengthy 0% interest period on balance transfers, making it an excellent option for those focused on debt management without incurring annual fees.

You can transfer up to 95% of your credit limit, subject to being a UK resident, aged 18+, and earning over £10,000 annually.

A balance transfer allows you to move your existing credit card balance to the NatWest 34-Month Balance Transfer Card, which offers up to 35 months of 0% interest on balance transfers.

This card is particularly appealing for its long 0% interest period on balance transfers, allowing users to focus on paying down debt without incurring additional interest.

It usually takes 2 to 3 working days from when your application is accepted to transfer funds to your chosen current account. Additional checks may extend this timeframe.

The Virgin Money 35 Month Balance Transfer Credit Card offers 0% interest on balance transfers for up to 35 months. The APR for other transactions ranges from 24.9% to 27.9% variable.

The standout feature here is the no transfer fee for balance transfers, making it an attractive option for those looking to manage their debt without incurring additional costs.

To perform a balance transfer on your Barclaycard Platinum, open the app, select your card, and navigate to 'Balance Transfers' to enter the transfer details.

The Barclaycard Platinum offers a 0% APR on balance transfers for 14 months, with an annual fee of £0.

This card is particularly beneficial for those looking to transfer balances without incurring fees, while also offering cashback on purchases, making it a practical choice for everyday spending.

The Santander Everyday No Balance Transfer Fee Credit Card has a £0 annual fee and a £0 balance transfer fee, along with an introductory 0% interest on balance transfers.

The Santander Everyday No Balance Transfer Fee Credit Card has no balance transfer fee and offers 0.5% cashback on purchases, up to £10 per month.

The Santander Everyday No Balance Transfer Fee Credit Card typically offers an introductory period of 0% interest on balance transfers.