Switch your credit card debt to a 0% deal without paying a fee for it
Get approved for a credit card quickly
Add your details to our eligibility checker
Explore your options from top credit card providers
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February 2025's savings
Get approved for a credit card quickly
Add your details to our eligibility checker
Explore your options from top credit card providers
Choose the right card for your needs
1,000,239 customers have visited Uswitch to explore credit cards in the last 12 months
20,822 people used our eligibility checker in February 2025
*£609.29 is a representative example of the interest a customer would save in the first 12 months. Example based on a £3,000 balance transferred from a card with 27.9% APR to a 0% card for 32 months, then 24.9% (variable), with a fixed monthly payment of £150. Representative APR 24.9%. See more here: Uswitch savings
Our experts browse hundreds of products to find the best deals
Uswitch Limited is a credit broker, not a lender, for consumer credit.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
0% fee balance transfer credit cards allow you to move existing credit card debt to a new card without paying the usual transfer fee, which is typically between 1% and 4% of the balance.
By transferring debt to a card with 0% interest or a low-interest rate on balance transfers, you could save a significant amount on interest payments. However, no-fee balance transfer credit cards often come with shorter 0% interest periods compared to those that charge a fee.
To qualify for the best deals, you’ll usually need a good credit score.
Balance transfer credit cards with zero fees work just the same as any other balance transfer credit card, just they don’t charge an upfront fee to transfer your balance.
A balance transfer card allows you to move credit card debts from other cards to your new one.
Many typically offer a 0% interest period so you can avoid paying interest on your card debts for a set period that can be 12 months or more.
See which credit cards you're eligible for in just a few clicks
You can see some of our best no-fee balance transfer cards in the table at the top of this page.
Filter the tables by ‘transfer fee’ to find the balance transfer cards that charge zero for upfront transfer fees. If you go through our card-finder tool, more results might be available, depending on your credit score.
Also, it is worth understanding the difference between initial and effective fees.
Many cards charge an initial upfront fee that is refunded once you make your first repayment, the fee after the refund is the effective fee.
Some cards may have an effective fee of 0% but will charge an initial fee, so it’s worth checking out the small print and comparing carefully.
No, not all credit cards charge a transfer fee. Some balance transfer credit cards offer 0% transfer fees, meaning you can move your existing credit card debt to a new card without paying any upfront charges. However, many balance transfer cards typically charge a fee, usually between 1% and 4% of the amount being transferred. These fees are usually applied to the total balance you move.
No. The act of transferring a balance to a new credit card doesn’t damage your credit score.
However, there are two things that might negatively affect your credit worthiness if you're not careful.
Firstly, applying for a new credit card is always recorded on your credit history. This means that if you have an application rejected, or there are multiple applications over a short period of time, other lenders might be nervous.
However, card finder and eligibility checker tools don’t show up on your credit score, so it makes sense to use one to ensure you only apply for cards you’ll qualify for.
Secondly, lenders look at something called your "total available credit" before making a decision. This is worked out by adding up all your credit card and overdraft limits.
A new card adds to this total, but unless you've already got a large number of cards with high credit limits - for example equal to your annual salary – it’s unlikely to be a problem.
Yes, but that doesn't mean you'll pay nothing to borrow.
First, there may be a fee attached to a balance transfer or money transfer credit card.
Secondly, if you don't clear your debt within the 0% period you'll be charged interest on any money remaining on the account at the end of it.
Your options for balance transfer credit cards will be limited if you have bad credit. Most credit cards transfer deals will only accept people with a good or excellent credit rating.
You might have a higher chance of being approved for a credit card for bad credit.
A "no transfer fee" balance transfer card allows you to move your existing credit card debt to a new card without paying the usual upfront transfer fees, which typically range from 1% to 4%. No-fee balance transfer cards often come with shorter 0% interest periods compared to cards that charge a transfer fee.
When we say a credit card is ‘most popular’ or refer to its ‘popularity’ on Uswitch, we’re ranking cards based on how many times they’ve been clicked on in the last 30 days.
The more clicks a card receives, the higher it appears in our rankings. This means the cards at the top of the list are the ones most visitors to Uswitch.com are interested in.
We compare over 100 credit cards from all of the major banks and credit card providers.
However, we do not compare all the credit cards that are available in the UK.
This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through Uswitch.
There are also many credit cards that are only available to people in member organisations and clubs.
Our best deals on a range of credit card categories by use:
Our top credit cards by type, most popular deals and business cards