Compare credit card debt consolidation

Choose a consolidation credit card that could offer you a cheaper way to pay off your debt and combine it into a single monthly payment.

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score.

48 results found, sorted by most popular. How we order our comparisons.
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Barclaycard Platinum Balance Transfer & Purchase Credit Card
Balance transfers
0% for 20 months with a 2.9% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Balance transfers
0% for 21 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
20.9% APR
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
M&S Bank Shopping Plus Credit Card
Balance transfers
0% for 22 months with a 2.9% fee (£5 min.)
Purchases
0% for 22 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Platinum Balance Transfer (15 Mths)
Balance transfers
0% for 15 months with no fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Barclaycard Forward Credit Card
Balance transfers
33.9% p.a. variable
Purchases
0% for 3 months
Representative APR (variable)
33.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
The rate shown here is the rate you will receive if accepted for the card. Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 33.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.9% (variable).
Eligibility
CCJs Allowedonly one allowed
Credit Ratingpoor
History of Bankruptcyfalse
Minimum Age18 years
Minimum Income£3,000
UK Resident
Lloyds Bank 0% Purchase and Balance Transfer Card
Balance transfers
0% for 18 months with a 2.99% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money Balance Transfer Credit Card (27 Mths) (21.9%)
Balance transfers
0% for 27 months with a 1.2% fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Sainsbury's Bank Balance Transfer 30 Months Credit Card
Balance transfers
0% for 30 months with a 1.5% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
19.9% APR
Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 30 or 24 months depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Balance transfers
0% for 22 months with a 3% fee (£3 min.)
Purchases
0% for 22 months
Representative APR (variable)
20.9% APR
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
HSBC Balance Transfer Credit Card
Balance transfers
0% for 20 months with no fee
Purchases
21.9% p.a. variable
Representative APR (variable)
21.9% APR
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£6,800
UK Resident
Virgin Money All Round Credit Card (19m) (21.9%)
Balance transfers
0% for 19 months with a 2.9% fee
Purchases
0% for 19 months
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Halifax Long 0% Balance Transfer Credit Card
Balance transfers
0% for 29 months with a 2.7% fee
Purchases
0% for 9 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Capital One Classic Complete Card
Balance transfers
0% for 4 months with a 3% fee
Purchases
0% for 4 months
Representative APR (variable)
34.9% APR
Once the 0% deal ends the balance transfer rate will be 34.94% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% (variable).
Eligibility
CCJs Allowed
Credit Ratingpoor
History of Bankruptcynot in last 12 months
Minimum Age18 years
UK Resident
Virgin Atlantic Reward Credit Card
Balance transfers
0% for 6 months with a 3% fee
Purchases
22.9% p.a. variable
Representative APR (variable)
22.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 22.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
MBNA Long 0% Money Transfer Card
Balance transfers
0% for 12 months with a 4% fee
Purchases
22.94% p.a. variable
Representative APR (variable)
22.9% APR
Balance Transfers and Money Transfers must be completed within the first 60 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 13 January, 2021

Consolidating debt with a credit card

Combining several debts into single balance on a credit card is known as debt consolidation. Using a debt consolidation credit card can be cheaper than other options, such as a personal loan.

Why consolidate debt?

Keeping track of debt spread over several credit cards or loans can be complicated and difficult. Debt consolidations allows lenders to combine that debt and then pay it off with a single monthly payment. Not only does it simply you debt payments, it can be cheaper as you'll pay less in interest.

How to consolidate debt using a credit card

You could reduce the interest you pay on your balances by moving them to a consolidation credit card that either charges a lower interest rate or comes with an interest free period.

It will cost less to clear what you owe if you pay less interest because more of what you repay will go towards clearing the balance quicker.

If you have several outstanding credit card balances, moving them all to one consolidation credit card can also make it easier to keep track of what you owe and stay on top of your repayments. This means you are less likely to miss payments, which can damage your credit record and come with expensive fees.

This guide explains how to set up a balance transfer

Choose the best balance transfer

Our comparison table above includes many credit cards in the UK that offer a balance transfer, including:

  • Cards that offer a 0% interest rate for a promotional period

  • Cards that let you pay off the transferred balance at a set interest rate

Enter your total outstanding card balance and your current credit card provider at the top of the table. We will show you how much each balance transfer deal could save you in the time it would take you to pay off your balance.

How much does a balance transfer cost?

The main costs are:

  • The interest rate you pay on the amount you transfer over

  • The balance transfer fee, if one is charged

Balance transfer fees are a percentage of the balance you transfer to the card. For example: on a card with a 3% fee, you would pay £30 to transfer a balance of £1,000. This fee is usually added to your balance, so the total balance you pay back will be £1,030.

They also come with the same fees and charges as other credit cards, including interest and charges for missing payments or going over your credit limit.

Our table includes details of the interest rate you would pay on any purchases you make on the card and the costs of making a balance transfer on each one, which are:

  • The interest rate

  • Details of any interest free period offered

  • The balance transfer fee, if one is charged

This guide explains how much balance transfers cost.

Can you use a credit card to consolidate other debts?

Yes, you could pay off an overdraft or loan using a money transfer credit card.

They let you send money to your bank account with 0% interest for several months. Here is how to make a money transfer.

Credit card consolidation FAQs

It can be if you can get a good deal and pay off the card quickly, although paying off your debts with your savings is usually cheaper if you can afford it.

Some cards offer 0% interest for a period of several months, but they usually come with transfer fees and are not available to everyone.

It can only take a few days but might take up to two weeks to get a new credit card and up to another week to make the balance transfer.

Your provider will let you transfer a percentage of your credit limit (usually 90-95%).

Yes, as long as you don't go over the percentage of your credit limit you can use.

This will be confirmed by your provider after they approve your application. Here is how credit limits work and how much it costs if you exceed it.

Repay the amount that will clear your balance by the end of the 0% period by direct debit each month so you never miss a payment or pay interest.

Yes, lenders decide whether to offer you a balance transfer as well as what APR and credit limit they offer you based on your credit record.

About our credit cards comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

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