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Balance Transfer Credit Cards 34 months 0%, 2.99% fee

Shifting existing credit card or store card debts to a new balance transfer card can save you £100s or £1,000s. A balance transfer's when one credit card repays debts on other credit or store cards, so you now owe it the money instead, hopefully at a special cheap rate.

Good / Evil Credit Card

If you arenít looking to make existing debts cheaper, but instead need to borrow extra cash cheaply, youíre in the wrong place. See 0% Credit Cards for the spending guide.

The five balance transfer need-to-knows

If you only read five things about balance transfers before you do them, read these. Click on each for more information:

1 Aim to clear debt before the 0% or cheap rate ends, or else the cost rockets

Cheap balance transfer deals are designed to make lenders money when you fail to pay them off or switch to a new 0% before the low rate ends. Full details

2 Always repay AT LEAST the monthly minimum, or you may lose 0% deals

Just because you've grabbed a 0% deal, that DOESN'T mean you can get away with paying nothing - you must pay at least the minimum monthly payments. Full details

3 Don't spend on cheap balance transfer cards. It's not usually at a cheap rate

Credit cards let you spend, shift balances or withdraw cash but banks must put any repayments towards the most expensive debts first. Full details

4 You can cut your interest WITHOUT new cards

Most top balance transfer deals are for new cardholders. To be eligible, they need the debt to be shifted within a couple of months of opening. Full details

5 You might get accepted for the card, but not get the headline deal

Lenders use credit scoring to decide whether to loan out money - they check your credit reference file, your history with them as well as other lenders. Full details

Check my eligibility for the cards before I apply

You can find out your chances of getting these best buy balance transfer credit cards by using our eligibility checker tool. It works with all the cards below except Tesco.

  • We'll check your details against what credit card firms are looking for in customers.
  • It's a 'soft' search. YOU can see it, but lenders CAN'T, so there's no impact on your credit file.
  • We'll show you your chances of being accepted for the card.

It's not a guarantee you'll be accepted - but you'll get a good idea of your chances for each card.

Best buys: Balance transfers

Picking the right 0% balance transfer for you isn't as simple as just going for the longest, or the lowest fee, as there are now so many variants out there. Indeed, 0% deals are currently at their longest ever, though the longer they are, the higher the fee. A good, rough rule of thumb is...

Get the lowest fee within the 0% time you're CERTAIN you can clear the card

A lower one-off fee can be trivial compared to interest if you don't clear the card or shift again before the 0% ends. Even a 2% lower fee only saves £20 per £1,000 - that'd be eaten up by interest within six weeks of paying the full APR on £1,000. If unsure, go long but to help you pick, we built the Which Card Is Cheapest? calculator.

Longest 0% deals

These credit cards give you the longest 0% deals currently available on the UK market. But all these cards have fees that they'll charge you to make the transfer, so pick the one with the smallest fee for the time that you can definitely pay off in.

Barclaycard Platinum 33 months

Barclaycard* - 34mths 0%, 2.99% fee Longest 0% balance transfer card we've EVER seen

The Barclaycard Platinum* has the longest balance transfer period we've ever seen, but if you can pay off slightly quicker, you could save by opting for one of the lower-fee options below.

You'll be charged a fee of 3.5% of the amount transferred initially, then Barclaycard will credit back 0.51% of the balance transferred within two days, meaning the overall fee you pay is 2.99%. To take advantage of this offer, you need to transfer your existing debt to this card within the first 60 days.

If you can repay a little bit quicker, this Barclaycard* is 33 mths 0% with a lower 2.79% fee (then 18.9% representative APR after), and there are more options below.

  • Balance transfer length & fee: 34 months, 2.99% fee
  • Minimum payment: Greater of 1% of balance plus interest, 2.25% of balance or £5
  • Min income: £20,000 | Card issuer: Visa | 0% balance transfer time limit: First 60 days
  • Rate: 18.9% representative APR (see Official APR Example)
Halifax Balance Transfer Credit Card 30 months

Halifax* - 33mths 0%, 2.8% fee Though some may get a shorter 0%

The Halifax* balance transfer credit card offers only one month less than the Barclaycard, but its fee's also slightly less. So if you've already got debt on a Barclaycard, this is another good alternative.

You'll be charged a fee of 3% of the amount transferred initially, then Halifax will credit back 0.2% of the balance transferred within 90 days, meaning the effective fee you pay is 2.8%. However, depending on your credit score, you may get a shorter 0% period - either 30 or 27 months.

  • Balance transfer length & fee: 33 months, 2.8% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £5
  • Min income: N/A | Card issuer: Mastercard | Balance transfer time limit: First 3 mths
  • Rate: 18.9% representative APR (see Official APR Examples)
Tesco 28 months

Lloyds* - 33mths 0%, 2.85% fee Another good option if you need a long 0% period

Another decent long-term balance transfer card is the Lloyds* credit card, which also offers 33 months 0% but for a slightly higher fee.

The fee's currently on a promo deal, from 3% down to 2.85%. You pay the full amount, then Lloyds will refund the difference back to you within 90 days.However, depending on your credit score, you may get a shorter 0% period - either 30 or 27 months.

  • Balance transfer length & fee: 33 months, 2.85% fee
  • Minimum payment: Greater of 1% of balance plus interest or £25
  • Min income: n/a | Card issuer: Mastercard | 0% balance transfer time limit: First 90 days
  • Rate: 18.9% representative APR (see Official APR Example)
Sainabury's Balance Transfer Credit Card 31 months

Sainsbury's* - 33mths, 2.89% fee Another long-term option and decent alternative to Barclaycard

If you already have debt on the cards above, this Sainsbury's* card is a good alternative, as it only offers one month less at 33 months 0% on balance transfers, and its fee is slightly less.

Transferred balances can't come from other Sainsbury's cards, so if you want to transfer from another one of its cards, you'll need to choose a different deal.

  • Balance transfer length & fee: 33 months, 2.89% fee
  • Minimum payment: Greater of 1% of balance plus interest, or 2.25% of balance, or £5
  • Min income: N/A | Card issuer: Mastercard | Time limit: First 3 mths
  • Rate: 18.9% representative APR (see Official APR Examples)

Balance transfer your overdraft too...

MBNA Card 32 months

MBNA* - 32mths 0%, 2.69% feeAlso allows you to transfer your overdraft (4% fee)

The MBNA* card allows you to transfer your balances from other cards and get 32 months at 0%. This card also allows you to do 'money transfers' for a 4% fee. This means you can tell MBNA to transfer cash from the card to your current account.

Most cards don't allow you to do money transfers, and if they do, it's not usually cheap. This is one of the few cards that allows it. For a full help on how to do this, check our write up below, and see the money transfer guide.

  • Balance transfer length & fee: 32 months, 2.69% fee (min £3)
  • Money transfer length & fee: 32 months, 4% fee (min £3)
  • Minimum payment: Greater of 1% of balance plus interest, or £25
  • Min income: N/A | Card issuer: Visa | 0% transfer time limit: First 60 days
  • Rate: 20.9%/22.9% representative APR (see Official APR Example)

More long-term balance transfer cards if you have those above

If you already have cards with the providers above, or you've got the deals listed and are looking to switch those to prolong a 0% period, below are other long-term options that may be suitable. The 0% periods aren't as long, or they come with a slightly higher fee, but they're good alternatives to those above.

Card
0% length
BT fee
Representative variable APR after
Notes
Tesco*
33mths
2.9%
18.9%
-
Fluid*
29mths
2.9% (min £3)
18.9%
You can use our pre-application eligibility checker for this card
See all Official APR Examples

Low fee 0% balance transfers

If you can clear your debts more quickly than the 0% periods above, it's possible to slash the fee you pay, cutting the overall cost of paying off your debts. We've listed in order of 0% length - pick the one that allows the lowest fee and the most realistic timeframe for you to pay it off.

The faster you can pay your debts off, the lower fee you'll pay. But if you're not sure, it's always better to err on the side of caution and go for a longer 0% deal than you might need.

Note: Usually we order these deals by length, from the longest to the shortest. But, at the moment, there's a NO FEE deal on the market, and we didn't want you to miss it. We've put it top, but read on for the best deals by length, as it won't be suitable for all.

Tesco

Tesco* - 12mths 0%, NO fee Good year-long option AND no fee to transfer

  • Apply*
  • Eligibility check not available

The new card from Tesco* is great if youíre sure you can pay it off in 12 months, or youíll definitely shift any remaining debts to a new card after. If the latter, it's important you remember to do this, or you'll pay 18.9% rep APR interest on the debt.

If you know you'll need longer than 12 months, and don't mind paying a fee, there are other cards available with longer interest-free periods. Nationwide gives 15 months 0% for a 0.65% fee, or if you need even longer, Lloyds gives 28 months with a 1.5% fee. Though the fees are higher, you're always better of paying them than paying interest.

  • Balance transfer length & fee: 12 months, NO fee
  • Minimum payment: Greater of 1% of balance plus interest, or £25
  • Min income: £5,000 | Card issuer: MasterCard | 0% balance transfer time limit: N/A
  • Rate: 18.9% representative APR (see Official APR Example)
Lloyds Balance Transfer Credit Card 24 months

Lloyds- 28 mths 0%, 1.5% fee* A long deal with a much lower fee than many similar cards

This Lloyds* Platinum credit card offers 28 months 0% on balance transfers for a unprecedently low fee for the number of months you get- you pay £15 for every £1,000 you transfer to the card.

This card, and the Bank of Scotland card below, are good options. You get a 0% period that's only six months less than the longest balance transfer card around, but the fee's only half as big.

  • Balance transfer length & fee: 28 months, 1.5% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £5
  • Min income: N/A | Card issuer: Mastercard | 0% balance transfer time limit: First 90 days
  • Rate: 18.9% representative APR (see Official APR Examples)
Bank of Scotland Balance Transfer Credit Card 24 months

Bank of Scotland - 28mths 0%, 1.5% fee* Long 0% option with a low fee.

The Bank of Scotland* credit card is pretty much identical to the Lloyds one above - over two years' interest-free, for a low fee.

But, crucially, if you already have a Lloyds card, you can transfer the debt from that card to this one.

  • Balance transfer length & fee: 28 months, 1.5% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £5
  • Min income: N/A | Card issuer: Mastercard | 0% balance transfer time limit: First 90 days
  • Rate: 18.9% representative APR (see Official APR Examples)
MBNA 25mths

MBNA* - 25mths 0%, 1.45% fee Two year 0% option with a low fee.

Two-year fixes are among the most popular deals when it comes to mortgages so it makes sense you might also have racked up a debt (perhaps from furnishing your new home) that you need the same amount of time to pay off. If this is the case for you, the new MBNA* Platinum card is a good balance transfer card that offers 25 months at 0% for a reasonable 1.45% (min £3) fee.

It significantly undercuts the fees on the longest balance transfer deals out there - typically slashing them in half. If you can get rid of your debts in under two years then there are cards available that halve those fees again, but often these give you less time at 0% - if you can't clear your debt by the end of the period then it's best to opt for a longer 0% card as the higher transfer fee dwarfs any interest you'll end up paying.

  • Balance transfer length & fee: 25 months, 1.45% fee (min £3)
  • Minimum payment: Greater of 1% of balance plus interest, or £5
  • Min income: N/A | Card issuer: Visa | 0% balance transfer time limit: First 60 days
  • Rate: 20.9/22.9% representative APR (see Official APR Examples)
Nationwide Balance Transfer Credit Card 15 months

Nationwide - 15mths, 0.65% fee* Decent 15-month option plus Nationwide customers could get an even lower fee

Accepted new Nationwide* credit card holders can do a 15 months 0% balance transfer for just 0.65% of the debt shifted. That's a fee of £6.50 for every £1,000 of debt transferred.

The fee's low, but it's only good if you can pay it off within 15 months. If you need longer, you can get 28mths 0% with Lloyds. The fee is more than double which'll mean you pay an extra £8.50 per £1,000 transferred, but youíll get an extra thirteen months to pay it off and this is far lower than the 17.9% APR if you found you couldn't pay off this card in 15 months.

If youíre a Nationwide current account customer, you could get its Select balance transfer card, which gives the same 15 months at 0%, but with a lower fee of 0.55%.

  • Balance transfer/purchases length & transfer fee: 15 months, 0.65% fee (min £5)
  • Minimum payment: Greater of 1% of balance plus interest, or £25
  • Min income: N/A | Card issuer: Visa | 0% balance transfer time limit: First three months
  • Rate: 17.9% representative APR (see Official APR Examples)
Sainsbury's

Sainsbury's* - 12mths 0%, 0.5% fee Low balance transfer fee, but for nectar cardholders only

The Sainsbury's* balance transfer card has one of the lowest fee on the market, 0.5%, but the 0% period is only for a year so it's therefore only a good deal if you can pay your debts off in that time.

If you need longer, Nationwide gives 15 months 0% for a 0.65% fee, which works out at just an extra £1.50 per £1,000 of balance transferred - not a large amount compared to the interest you'd have to pay if you didn't pay off your balance in 12 months.

  • Balance transfer length & fee: 12 months, 0.5% fee (min £3)
  • Minimum payment: Greater of 1% of balance plus interest, 2.25% of balance or £5
  • Min income: n/a | Card issuer: Mastercard | 0% balance transfer time limit: First 3 months
  • Rate: 18.9% representative APR (see Official APR Example)
Fluid Balance Transfer Credit Card 10 months

Fluid* - 10mths 0%, 0.35% fee Low balance transfer fee for a year

The Fluid* card, like the Lloyd's card below, offers 10 months 0% for a low fee of 0.35%, but only pick this card if you can definitely pay it off in the 0% period.

If you need longer, have a look at the Nationwide card, which offers a few months more at 0%, with a slightly higher fee. This means that for every £1,000 transferred with the Nationwide you'd pay an extra £3 in fees - not a large amount compared to the interest you'd have to pay if you found you couldn't pay off your balance in 10 months.

  • Balance transfer length & fee: 10 months, 0.35% fee (min £3)
  • Minimum payment: Greater of 1% of balance plus interest, or £25
  • Min income: £4,000 | Card issuer: Visa | 0% balance transfer time limit: First 60 days
  • Rate: 18.9% representative APR (see Official APR Examples)
Lloyds TSB Balance Transfer Credit Card 15 months

Lloyds*- 10mths 0%, 0.4% fee Good 10 month option, with one of the lowest fees on the market

The Lloyds* card also offers 10 months 0% for a rock bottom fee of 0.4%. But if you need longer than 10 months to clear your debt you'll need to look at the other cards available. Although the fee may be higher, it's much better to pay this fee than paying interest at 18.9% APR.

You'll initially be charged a 3% fee but Lloyds will then refund you 2.6% within 90 days - so effectively you'll only pay 0.4%. That's around £4 for every £1,000 transferred to it.

  • Balance transfer length & fee: 10 months, 0.4% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £5
  • Min income: N/A | Card issuer: Mastercard | 0% balance transfer time limit: First 90 days
  • Rate: 18.9% representative APR (see Official APR Examples)

More low-fee balance transfer cards if you have those above

If you already have cards with the providers above, or you've got the deals listed and are looking to switch those to prolong a 0% period, below are alternative low-fee options that may be suitable.

Card
0% length
BT fee
Representative variable APR after
Notes
Halifax
28mths
1.5%
18.9%
-
Santander*
17mths
0.9% (min £5)
18.9%
You can use our eligibility calculator for this card
TSB*
15mths
0.8%
17.9%
You can use our eligibility calculator for this card
Tesco*
15mths
0.85%
18.9%
-
See all Official APR Examples

Top 0% Balance transfers & Purchases card

Most credit cards offer either a good deal on balance transfers OR purchases, but some do a bit of both. This means you can get a strong deal while only applying for one card, which saves damaging your credit score with unnecessary applications.

One of the top all-rounder cards is below. For more best buys and further information, see the 0% Balance Transfer & Spending guide.

Halifax Balance Transfer Credit Card 15 months

Halifax* - 15mths 0%, 0.8% fee Lowest balance transfer fee, plus 15mths 0% on spending

This Halifax* balance transfer card's fee is very low, and it offers 0% on spending - if you need a card to cut existing debts and spread the cost of new spending, this is our top all-round option.

Check your chances of getting it with our Eligibility Calculator.

  • Balance transfer/purchases length & transfer fee: 15 months, 0.8% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £5
  • Min income: N/A | Card issuer: Mastercard | 0% balance transfer time limit: First 90 days
  • Rate: 17.9% representative APR (see Official APR Examples)

Cheapest long-term low rate cards

This route can be simpler - get a card, shift your debts, then put the card away and pay it off, knowing it's cheap. Some people could be better off going for a stable relationship like this rather than trying to be a credit card tart, as only a few mistakes can make tarting costly.

However, with the huge length of the 0% deals we're seeing, and decreasing personal loan rates, here are the two big things to consider.

MBNA Low Rate 6.5% Balance Transfer Credit Card

MBNA Low Rate* 6.5% interest for life, NO fee

If you know it's going to take you longer than 34 months to pay your debts off, it could be worth going for a long term, low rate card.

These aren't 0% deals, but have low rates instead. The lowest rate is the MBNA Low Rate* credit card which has a standard interest rate of 6.5% on any balance transfers made to it.

If you can repay quickly, 0% wins. But if you need longer, or if you're less certain of your repayments, these long-term low rate deals can be far safer.

  • Balance transfer length & fee: 6.5%, no fee
  • Minimum payment: Greater of 1% of balance plus interest, or £25
  • Min income: N/A | Card issuer: Mastercard | Time limit: N/A
  • Rate: 6.6% representative APR (see Official APR Examples)
Sainsbury's 7.8% Nectar Low rate card

Sainsbury's* - 6.9% APR Nectar Credit Card Low rate, and no fees to transfer

The Sainsbury's* Low Rate Nectar credit card offers balance transfers and spending at a low representative of 6.9% APR. The big advantage of these longer term cards is that there's no fee for transferring a balance.

If you can repay quickly, 0% wins. But if you need longer, or if you're less certain of repayments, these permanent deals are far safer. You get a low APR and, with this card, no balance transfer fee.

  • Balance transfer length & fee: 6.9% representative APR for life, NO FEE
  • Minimum payment: Greater of 1% of balance plus interest, 2.25% of balance, or £5
  • Min income: N/A | Card issuer: Mastercard | 0% balance transfer time limit: N/A
  • Rate: 6.9% representative APR (see Official APR Examples)
Tesco 7.8% Low rate card

Tesco* - 7.8% APR Clubcard Credit Card Same rate on transfers and purchases. No fees to transfer

  • Apply*
  • Eligibility Check not available

The Tesco* low APR Clubcard Credit Card offers balance transfers and spending at a low representative APR. The big advantage here is that there's no fee for transferring a balance, and you'll get the same rate on spending too.

If you can repay quickly, 0% wins. But if you need longer, or if you're less certain of repayments, these permanent deals are far safer. You get a low APR and, with this card, no balance transfer fee. Sainsbury's offers a lower deal (see above) but if you're a bigger Tesco shopper this Tesco card could be a better option, as it also offers clubcard points on spending.

  • Balance transfer length & fee: 7.8% APR for life, NO FEE
  • Minimum payment: Greater of 1% of balance plus interest, or £25
  • Min income: £5,000 | Card issuer: Mastercard | 0% balance transfer time limit: N/A
  • Rate: 7.8% representative APR (see Official APR Examples)

Cards for poorer credit scorers

To be accepted for most of the card intro deals in this guide, you need you to have a decent credit score - so people who need cheap credit the most often struggle to get one.

The two cards in this section are aimed at different people. The Barclaycard's for people with only a very short credit history, while the Capital One card's designed for people with a history of defaults & CCJs trying to rebuild their credit history.

Barclaycard Platinum Rebuild Credit Card 18 months

Barclaycard Platinum* - 18mths 0%, 2.9% fee For credit rebuilding, or those with little credit history

If your credit history's short, or there's little of it, you may not be accepted for the cards above. The Barclaycard Platinum* credit card is designed for people like you.

It's not aimed at people with serious credit problems, and it won't accept a history of bad credit. So if you have recent CCJs or defaults, you may be better checking out the Capital One card below, or the Credit Cards For Poorer Credit guide where there are easier-to-get cards to help rebuild your credit.

  • Balance transfer length & fee: 18 months, 2.9% fee
  • Minimum payment: Greater of 1% of balance plus interest, 2.25% of balance, or £5
  • Min income: £17,500 | Card issuer: Visa | 0% balance transfer time limit: First 60 days
  • Rate: 24.9% representative APR (see Official APR Example)

One card is designed for poorer credit scorers:

Capital One

Capital One* - 0% until May 2015, 3% fee Short term 0% deal, accepts poorer credit scorers

For those who've had past credit issues, Capital One's* Balance card is 0% on balance transfers until May 2015, with a one-off fee of 3% of the amount shifted.

Those with poor credit histories are usually frozen out of the headline-grabbing 0% deals. This card can be a lifeline, as you can get it even if you've had past defaults or CCJs although these must be over a year old. You will still have to pass a credit check, and be aware credit limits are low, ranging from £200 to £1,500.

Be very careful though - after the 0% ends, the rate jumps to a massive 34.9% representative APR. If possible, try to minimise the amount of debt on it by then as this is extremely costly.

  • Balance transfer length & fee: till May 2015, 3% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £5
  • Min income: n/a | Card issuer: Mastercard | 0% balance transfer time limit: n/a
  • Rate: 34.9% representative APR (see Official APR Examples)

Still concerned? Try other creditworthiness comparisons

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Calculator: Which card is cheapest?

Choosing your balance transfer weapon's more complicated than it used to be. Grabbing a super-long 0% deal and letting it lapse to the APR can now beat the long-term cheap rates for repayment lengths of around three years or more.

The aim should still always be to repay within the interest-free time, or switch after that to another 0% deal if you haven't repaid. However, if you can't, don't automatically jump for a long-term deal, as it may not be cheapest.

This calculator reveals the cheapest of our top picks, based on your debt and repayment amount.

What's the cheapest card?

Quick tool compares cost and length of using top deals
Amount of Debt:
£0
£0£10,000
Fixed monthly repayment:
£100
£0£1,000


This calculator ESTIMATES the total cost incl fees and interest using these assumptions.

  • Repayments are fixed: If they'll be inconsistent play safe and pick the minimum you'll repay in any month
  • No spending: As this isn't usually at the 0% rate (so avoid)
  • Representative APRs: After the 0% ends we use the rep APR, yet only 51% of people get it
  • Not all cards are included
Last Updated: 19/06/2014

It's important to note all the APRs used in the calculator (except 0% and long-term special offers) are representative, so only 51% of accepted applicants must get them - the other 49% are likely to pay more. If you're in that bunch, you should seriously look at switching again once the deal ends.

Simple reminders for card tarts!

Enter the date your 0% (or other intro rate) expires in the Tart Alert Tool and you'll be sent a text or e-mail reminder to ditch and switch. Of course, like everything else on this site, it's completely free.Try it now →

Balance Transfer Q&A video with Martin Lewis

Balance transfer Q&A

There are a range of variables to take into account when choosing a balance transfer card:

  • MBNA card range: While most of these cards have a balance transfer fee, MBNA tends to repeatedly offer good deals to existing customers, often at 0%, though you need to call and ask. If you're adopting this strategy, it may be worth taking the hit of a fee to keep this facility open. See MBNA Card Range.
  • Barclaycard. Barclaycard allows existing customers to shift debts to it at 6.9% life of balance (until all the debt is repaid), thus giving you a back-up option of long-term cheap debt if necessary. Or you can transfer to existing credit cards, as sometimes there are hidden offers for cheap rates. For more info, see the Credit Card Shuffle guide.

Glossary

Join in the Forum Discussion:
Balance Transfer Credit Cards
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What the * means above

If a link has a * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment to the site. It's worth noting this means the third party used may be named on any credit agreements.

You shouldnít notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How This Site Is Financed.

Duplicate links of the * links above for the sake of transparency, but this version doesn't help MoneySavingExpert.com: Bank of Scotland 24mth, Barclaycard 20mths, Barclaycard Platinum 32mth, Barclaycard Platinum 33mth, Capital One until April, Fluid 29mth, Halifax 15 mths, Halifax 24 mth, Halifax 28mth, Halifax 30 mths, Halifax 32 mths, Halifax All in One 15mth, Lloyds 10 mth, Lloyds 15mth, Lloyds Platinum 24mth, MBNA 32mth, MBNA Rate for Life, MoneySupermarket, Sainsbury's 12mths, Sainsbury's Low rate, Santander 17mth, Tesco, Tesco 33mth

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