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 use the term ‘most popular or ‘popularity’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 30 days.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.

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.