Balance transfer credit cards

Save money by paying less interest on your outstanding balance when you choose one of our balance transfer credit cards.

Choose the right balance transfer credit card for you

Check if you’ll be accepted, without affecting your credit score
Get an answer in 60 seconds, with no commitment to apply
0% interest on balance transfers for up to 12 months

Save money with our balance transfer credit cards

Our best balance transfer credit card deal

0% interest on balance transfers for 12 months
2.9% balance transfer fee
Pay no interest on purchases for 3 months
Up to £6,000 credit limit
Save money by transferring higher rate credit card balances
24.9% APR representative variable

Representative example: assuming a credit limit of £1,200 and an interest rate on purchases of 24.93% p.a. variable, you will receive a 24.9% APR representative variable.

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A balance transfer credit card for people with lower credit scores

0% interest on balance transfers for 6 months
3.0% balance transfer fee
Know if you'll be accepted without affecting your credit score
Up to £1,500 credit limit
34.9% APR representative variable

Representative example: assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

How a balance transfer credit card works

A balance transfer credit card lets you move an existing balance from one credit card to another.

They usually come with lower interest rates than regular credit cards, and can offer 0% interest for a fixed number of months when you first get the card.

The lower your interest rate, the less interest you pay – so a balance transfer credit card could help you save money and pay your balance off sooner. Especially if you plan to pay off your balance before the 0% interest offers ends.

Just remember to always pay at least the minimum payment each month to keep your account up to date. Paying more than the minimum will help you clear your balance quicker.

5 things you should know about balance transfer credit cards

Will you be charged a transfer fee?: You may be charged a one-off transfer fee when you move a balance from one card to another. The fee is usually shown as a percentage and changes from card to card. For example, if you transfer a balance of £500 and have a 3% fee, this would work out to a one-off charge of £15. Some balance transfer credit cards also charge an annual account fee. Make sure you check the terms and conditions when applying to know for sure.
Are you sure what APR you're getting?: Did you know that credit card providers only have to give 51% of people the APR advertised? This means that 49% of people could end up on a different APR, often higher than the one they saw advertised. With Capital One, the APR you see is always the APR you get.
0% interest isn't always the best deal: The longer the 0% interest deal lasts, the more expensive the balance transfer fee typically is. So if, for example, you think you can clear your balance in 5 months, you might be better off with a shorter term deal. Plus, you’ll also need an excellent credit score to be eligible for most long term 0% deals.
Check if you're eligible before you apply: Each time you apply for a credit card, a mark is left on your credit report that other lenders can see. Eligibility checkers let you know how likely you are to be accepted before you apply, and so don't affect your credit score. Capital One's QuickCheck tool gives you a 100% definite yes or no answer - without affecting your credit score.
Never miss a payment: Missing or forgetting to make a payment could cost you more than just a late fee. Some credit card providers will cancel your 0% offer if you break their terms and conditions, meaning you could lose the offer you signed up for. Capital One won't do this, but missing a payment will have a negative impact on your credit score, and you could be charged a fee. Setting up a Direct Debit to automatically make the minimum payment each month could help you avoid missing a payment as long as you have enough money in your account.