Balance Transfer Credit Card Offers

If you’re in the market for Balance transfer Credit Cards, then this article should help you choose a credit card that’s right for you, if you want to know more, we’ve written an article about the process of credit card balance transfer.

Balance Transfer Credit Card Considerations

When choosing a card for a balance transfer, the main thing you’re looking for is the longest possible time with 0% interest on balance transfers. This means that the time that you’re not charged interest for the debts you have on the credit card, this is where the cost saving for balance transfers occurs. Other cards come with a few bonuses, so you should review them to see if the bonuses are more significant than the balance transfer savings.

The other key consideration is what your credit record is like. If you’ve got a bad credit rating, then you’re going to have a tough time getting some of the better cards, like the Virgin Credit Card or the Halifax All In One Credit Card, and you may need to set your sights lower, either in the form of card with less time to pay the balance transfer back, or a card with a generally lower interest rate.

What Balance Transfer Credit Cards Are Available?

With the global economic downturn, there are fewer credit cards targetted at balance transfer customers, here are the best three on the market currently:

Credit Card	Card Details	Interest Rate	Cash Advance Rate	Balance Transfer Rate	Annual fee	Interest free days
Halifax All in One Credit Card	The Halifax All in One credit card offers a great introductory rate, and is perfect for saving you money now as well as in the future.	15.9% APR	27.95% p.a. (variable)	0% for 9 months	No Annual Fee	59 Days interest free
Virgin Credit Card	As well as a great rate, the Virgin Credit Card comes with: A discount scheme Travel Accident Insurance Purchase Protection Insurance	16.6% APR (variable)	27.9% p.a. (variable)	0% for 16 Months (2.98% fee on balance transfers)	No Annual Fee	50 days on card purchases
Virgin Atlantic White Card	As well as earning Flying Club miles which you can spend on brilliant rewards like flights, upgrades, car hire and more, a Virgin Atlantic Credit Card gives you up to 46 days interest free on card purchases.	17.9% APR typical rate	20.9% p.a. (variable)	0% for 6 months (2% handling fee)	No Annual Fee	Up to 46 days on card purchases only.

Ultimately, you need to decide which offer is best for you. We’ve made it a little easier for you, by building this handy little Credit Card Balance Transfer Calculator.

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One Response

1. Check out our new Credit Card Balance Transfer Calculator | Credit Card Finder - UK Says:
   October 24th, 2009 at 3:16 am

   [...] you want to find the best offers for Balance transfers, check out our [...]

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