Struggling with credit card debt and tired of paying sky-high interest rates? A balance transfer credit card can be a smart solution to regain financial control.

With the right card, you can move your existing debt and enjoy 0% interest for a set period, giving you the breathing room you need to pay off what you owe—without the pressure of interest piling up.

In this guide, we’ll walk you through some of the best balance transfer credit card options available in the UK in 2025, highlighting their key benefits, terms, and what makes them stand out.

Now that you’ve seen the high-level comparison, let’s take a closer look at what makes each card special. Whether you’re after low fees, long 0% periods, or extra perks, there’s something here for every type of borrower.

After each card summary, you’ll also find a quick link to the full review—so you can easily explore the card that matches your goals and learn more before making a decision.

Tesco Bank’s Low Fee Balance Transfer Credit Card is a great option for borrowers looking to avoid high transfer costs.

While the 0% interest period might be a bit shorter than some rivals, the low fee makes it a cost-effective choice for moderate balances.

Key features:

This card is ideal if your priority is minimising upfront fees while still enjoying a decent interest-free period.

Interested in low transfer fees? Learn more about Tesco’s card here.

If your main goal is to spread your repayments over as long a period as possible, MBNA’s Long Balance Transfer card could be perfect.

It offers one of the longest 0% periods on the market, which is excellent for high balances.

Key features:

This card is best for those with larger debts who need time to pay it off gradually, without rushing.

Looking for the longest 0% period? Explore MBNA’s balance transfer card now.

Barclaycard’s Platinum option combines a strong interest-free offer with useful features like fraud protection and access to helpful budgeting tools. It’s a well-rounded choice for those looking for reliability.

Key features:

Choose this card if you want long-term flexibility and digital tools to stay on track with your payments.

Want to manage your debt smarter? See if Barclaycard Platinum is right for you.

NatWest offers a solid mid-range balance transfer card with no annual fee and competitive rates. If you already bank with NatWest, this could be an even smoother option to manage your credit.

Key features:

This is a good fit for anyone looking for a straightforward, no-fuss balance transfer with a trusted UK bank.

Bank with NatWest? Discover if their balance transfer card fits your goals.

Unlike other cards on this list, Santander’s All in One Credit Card offers not only balance transfer capabilities but also rewards on everyday spending.

That makes it a great option for those who want more value from their credit card.

Key features:

Ideal if you’re looking for a card that handles debt and gives rewards, all in one package.

Want balance transfer and cashback? Check out Santander’s All in One Card.

Before applying, it’s important to evaluate if a balance transfer credit card truly fits your financial situation.

These cards work best when you have existing credit card debt and a realistic plan to repay it within the interest-free period.

If you’re disciplined with payments and won’t be tempted to spend more, a balance transfer can be a very effective tool.

Ask yourself:

Answering these honestly will help you make the best choice for your financial health.

When managing existing debt, two common options are balance transfer credit cards and personal loans. While both help consolidate debt and may offer lower interest, they work differently.

A balance transfer card is ideal for short-term interest-free repayments and works best for people who can clear their debt quickly.

A personal loan, on the other hand, offers fixed payments over a longer term and is better suited for those who need structure and more time.

Here’s a quick comparison:

Both options can work depending on your debt size, repayment discipline, and whether you prefer structure or flexibility.

Not carrying existing credit card debt? Then a balance transfer card might not be the best fit for you—but that doesn’t mean you can’t benefit from using a credit card smartly.

If you’re looking for a card that offers everyday perks, cashback, and no foreign transaction fees, the Barclaycard Rewards Credit Card might be a better choice.

It’s ideal for frequent spenders and travellers who want to earn while they spend, without worrying about transfer fees or interest charges (if you pay in full).

Explore the Barclaycard Rewards Card and start earning cashback on your everyday purchases.