Balance Transfer Credit Cards

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).

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Card Name Balance Transfer Purchases Representative APR (variable) Key features Visit Now
Play.com Credit Card

0% for 6 months footnote

0% for 9 months
16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1200.
  • Receive 1,500 bonus PlayPoints when you spend £150 on your card within 90 days of your account openingfootnote
  • Earn PlayPoints and double PlayPoints at Play.com
  • Money transfers from your credit card to your current account
MBNA Rate for lifefootnote Credit Card

5.9% for the life of the transferred balances

16.9% APR
16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1200.
  • Ideal for rearranging your finances and consolidating loans
  • A reduced handling fee of 1.5% for transfers made within the first 60 days (thereafter 3% handling fee on balance transfers, 4% on money transfers)
MBNA Platinum Visa Credit Card

0% for 16 months

0% for 3 months
16.7% p.a. (variable) on card purchases. Equivalent to 16.7% APR representative (variable) based on a credit limit of £1200.
  • Lengthy introductory rate on balance transfers
  • Money transfers from your credit card to your current account

Balance transfer credit cards guide

Transferring a balance from one card to another with a lower interest rate can be a good way to manage your debt. By switching the debt to a credit card where you pay less interest on your borrowing, you can pay off the existing debt at a lower rate of interest. For more information read understanding balance transfers.

Ideally suited for…

Balance transfer credit cards are ideally suited to people who already have an existing rate on another credit card or a store card. By transferring your existing credit card debt to a new card you can pay a lower rate of interest on the debt for the introductory period e.g. 13 months.

Benefits

Pay off existing debt at a lower rate of interest—having a new credit card with an introductory balance transfer rate can help you pay of your debt at a lower rate of interest and help you save money on your repayments.
Organise your finances—if all your debt is in one place it’s easier to keep on top of your finances with only one monthly payment to think about
Great introductory rates—whether you're looking to transfer a balance from an existing credit card or simply want to make a card purchase, MBNA offer competitive introductory rates and APR.
All the features of a traditional credit card—all our credit cards carry the same great features and services, including Online Card Services, paperless statements online, fraud protection and free 24-hour UK based customer service helpline.
Optional extras to protect your card—just like our traditional credit cards we offer you the same optional extras to protect yourself from the unexpected including LifestyleProtect, Card & Phone SOS and Identity Protection.

From the date your account is opened. A handling fee applies to balance transfers and money transfers. Balance transfers and money transfers must be made within 90 days of account opening. From the date your account is opened. If you have two or more promotional offers at the same rate, we will use your payments to reduce any promotional balance with the lowest standard rate last, even if this offer ends first. This could mean that any such balance may not have been reduced by the time the standard rate applies to it. Full details of the reward programme will be sent to you once your account is opened. From the date your account is opened. A handling fee applies to balance transfers and money transfers. Balance transfers and money transfers must be made within 60 days of account opening. Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions

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