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Updated September 29, 2026 · DebitCue Editorial Team

Top balance transfer cards compared in the United Kingdom

17 cards available in the United Kingdom, ranked for the United Kingdom.

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Top balance transfer cards compared in the United Kingdom
#CardScoreFeaturesKey factsActions
1
Virgin Money logo
Virgin MoneyTop pick
9.5/10
    Balance transfer intro period:
    21 months
    Balance transfer fee:
    2.95%
    APR:
    27.9%
    		ReviewCompareSee alternatives
    2
    Virgin Atlantic Reward Credit Card logo
    Virgin Atlantic Reward Credit Card

    0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee

    		9.3/10
      Balance transfer intro period:
      21 months
      Balance transfer fee:
      2.95%
      APR:
      27.9%
      		ReviewCompareSee alternatives
      3
      Ocean Finance Card logo
      Ocean Finance Card

      0% for 6 months on balance transfers and purchases on the Ocean Credit Card: 0% for 6 months, 2.9% balance transfer fee

      		9.2/10
      • No annual fee
      Balance transfer intro period:
      6 months
      Balance transfer fee:
      2.9%
      Annual fee:
      £0
      		ReviewCompareSee alternatives
      4
      Santander UK logo
      Santander UK

      Get 240 GBP for switching to Everyday Current Account

      		9.2/10
      • No annual fee
      Balance transfer intro period:
      12 months
      Balance transfer fee:
      0%
      Annual fee:
      £0
      		ReviewCompareSee alternatives
      5
      Capital One UK logo
      Capital One UK

      0% interest on balance transfers for up to 18 months and on purchases for up to 3 months: 0% for up to 18 months on balance transfers; 0% for up to 3 months on purchases

      		9.1/10
      • No annual fee
      Balance transfer intro period:
      18 months
      Balance transfer fee:
      3%
      Annual fee:
      £0
      		ReviewCompareSee alternatives
      6
      Sainsbury's logo
      Sainsbury's
      		9.1/10
      • No annual fee
      Balance transfer intro period:
      34 months
      Balance transfer fee:
      2.88% to 3.88%
      Annual fee:
      £0
      		ReviewCompareSee alternatives
      7
      Capital One logo
      Capital One
      		9.1/10
      • No annual fee
      Balance transfer intro period:
      18 months
      Balance transfer fee:
      3%
      Annual fee:
      $0
      		ReviewCompareSee alternatives
      8
      Aqua Card

      0% on balance transfers for up to 5 months on the Aqua balance transfer credit card: 0% interest for up to 5 months, 3% balance transfer fee (minimum GBP 3)

      		9.0/10
      • No annual fee
      Balance transfer intro period:
      5 months
      Balance transfer fee:
      3%
      Annual fee:
      £0
      		ReviewCompareSee alternatives
      9
      Barclaycard logo
      Barclaycard

      Get 12 months Apple TV subscription on us

      		9.0/10
        Balance transfer intro period:
        36 months
        Balance transfer fee:
        3.15%
        APR:
        24.9%
        		ReviewCompareSee alternatives
        10
        NewDay logo
        NewDay

        0% on balance transfers for up to 5 months (3% fee) on the Aqua balance transfer credit card: 0% interest on balance transfers for up to 5 months, 3% transfer fee (minimum GBP 3)

        		8.9/10
        • No annual fee
        Balance transfer intro period:
        5 months
        Balance transfer fee:
        3%
        Annual fee:
        £0
        		ReviewCompareSee alternatives

        Licensed in the United Kingdom

        Virgin Money
        Prudential Regulation Authority
        Virgin Atlantic Reward Credit Card
        Prudential Regulation Authority
        Ocean Finance Card
        Financial Conduct Authority
        Santander UK
        Financial Conduct Authority
        Aqua Card
        Financial Conduct Authority
        Aqua Card
        Financial Conduct Authority (Payment Services Regulations 2017)
        Barclaycard
        Financial Conduct Authority
        NewDay
        Financial Conduct Authority
        NewDay
        Financial Conduct Authority (NewDay Cards Ltd)
        NewDay
        Financial Conduct Authority under the Payment Services Regulations 2017
        Barclaycard UK
        Prudential Regulation Authority

        Other rankings

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        Other countries

        Virgin Money

        Virgin Money

        Top pick for the United Kingdom

        9.5/10See alternatives