{"id":140902,"date":"2018-11-02T12:43:22","date_gmt":"2018-11-02T12:43:22","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=140902"},"modified":"2026-01-02T14:23:27","modified_gmt":"2026-01-02T14:23:27","slug":"credit-cards-with-no-balance-transfer-fee","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/credit-cards-with-no-balance-transfer-fee","title":{"rendered":"Compare no-fee balance transfer credit cards"},"content":{"rendered":"<p>Transferring your current card debt to a 0% balance transfer credit card can be a smart choice if you\u2019re seeking a more affordable way to pay off your outstanding balance.<\/p><p>The best balance transfer credit cards offer an introductory 0% interest period, in some cases more than 2 years, giving you plenty of interest-free breathing space to tackle your debt.<\/p><p>However, transferring your balance to one of these cards often means paying a fee: usually 1-3% of the balance. If you\u2019re planning to transfer a hefty sum, this fee could be painful. Fortunately, there are no-fee alternatives out there.<\/p><h3>How do no-fee balance transfer credit cards work?<\/h3><p>They work in the same way as any other balance transfer card, except that, as long as the transfer is completed within a set period (usually 60 or 90 days, depending on the provider) you won\u2019t be charged an upfront fee. <\/p><p>If you\u2019re paying interest on existing credit card debt, switching it to a credit card with no balance transfer fee may seem like a no-brainer. However, there are some things you should consider.<\/p><h3>Downsides of credit cards with no balance transfer fees<\/h3><ul><li>You\u2019ll need a good credit score to qualify for the best deals.<\/li><li>0% introductory offers tend to be shorter compared to credit cards that charge a balance transfer fee. For example, as of January 2023, the top no-fee balance transfer card offered 22 months at 0%, compared to 33 months with a fee-charging card.<\/li><li>If you don\u2019t pay off your balance before the 0% deal ends, you\u2019ll pay a high rate of interest.<\/li><\/ul><p>When comparing your options, it\u2019s important to assess both the fee and the duration of the 0% introductory offer. If you\u2019re confident you can pay off your debt in a shorter time and you can afford the repayments, opting for a no-fee card is likely to be the best option. However, if you require additional time to pay off your debt, it\u2019s advisable to choose a card with a balance transfer fee. Paying a transfer fee could still work out cheaper than keeping your debt on an existing credit card that\u2019s racking up a lot in interest.<\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-1053211\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/balance_transfer_illustrated.png\" alt=\"Balance transfers illustrated\" width=\"901\" height=\"409\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/balance_transfer_illustrated.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/balance_transfer_illustrated.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/balance_transfer_illustrated.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/balance_transfer_illustrated.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/balance_transfer_illustrated.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/balance_transfer_illustrated.png?fit=2703 2703w\" sizes=\"(max-width: 2703px) 100vw, 2703px\" loading=\"lazy\"><\/p><h3>No-fee balance transfer eligibility criteria<\/h3><p>To qualify for a no-fee balance transfer card, you\u2019ll need to be at least 18 years old and a UK resident. There may also be a minimum income requirement, depending on the provider.<\/p><p>To access the most competitive no-fee balance transfer deals, you\u2019ll also need a good credit score. Without one your application may be rejected, or you could be offered a shorter 0% deal and a higher rate of interest once the 0% deal ends.<\/p><h3>How to compare no-fee balance transfer credit cards<\/h3><p>The most important thing to look for is the card with the longest 0% interest promotional period. The longer the deal is, the more time you\u2019ll have to pay off your debt.<\/p><p>It\u2019s crucial to be aware of the balance transfer deadline \u2013 the deadline for completing no-fee balance transfers. For most credit cards, the no-fee offer only applies to transfers initiated within the first few months of opening the card account.<\/p><h3>Who is a credit card with no balance transfer fee suitable for?<\/h3><p>As we mentioned, credit cards with no balance transfer fees tend to come with shorter 0% deals than fee-charging balance transfer cards. This means that a no-fee card will only be suitable for you if you can clear your balance within a shorter period.<\/p><p>Remember that the interest rate jumps as soon as the 0% deal ends, so you don\u2019t want any debt remaining when this happens. You\u2019re better off paying a small fee on a card with a longer 0% deal than risk failing to pay off your no-fee card on time.<\/p><p>No-fee cards are unlikely to be suitable for those who want to make credit card purchases: few of these cards have decent 0% purchase deals, and the standard interest rate on these cards is often relatively high. If you want to spend on your card, you\u2019re better off applying for a second card to use for purchases.<\/p><article class=\"luna-card luna-card--primary\">\n<div class=\"luna-card__block\">\n<h4 class=\"luna-card__title luna-card__title--small\">Example: Janet and Marcus pay off their \u00a37,000 wedding credit card debt<\/h4>\n<p>Janet and Marcus ran up a \u00a37,000 credit card debt when paying for their recent wedding. The couple decided to transfer the \u00a37,000 debt to a balance transfer card and were considering 2 different cards.<\/p><p>Card A was a 30-month 0% balance transfer card with a 3% balance transfer fee. With this card, they would have to pay off a total of \u00a37,210 (including the \u00a3210 fee) by making monthly payments of \u00a3240.<\/p><p>However, they also looked at Card B: a balance transfer card with no fees, but a shorter 0% interest period of 22 months. Transferring their balance to this card would mean paying back a total of \u00a37,000 in monthly payments of \u00a3318.<\/p><p>Janet and Marcus looked at their budget and worked out that they could afford the monthly repayments of \u00a3318, so they decided to opt for Card B. This meant they could avoid both \u00a3210 in fee costs and the hundreds of pounds in interest they would have paid on their original credit card.<\/p>\n<p><small><strong>* This is a fictional, but realistic, example.<\/strong><\/small><\/p>\n<\/div>\n<\/article>\n\n\n\n<h3>Compare credit cards by type or benefit<\/h3><div class=\"az-listing js-az-listing\">\n    <div class=\"hide-mobile\">\n        <div class=\"az-listing__nav\">\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"##\"> # <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#A\"> A <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#B\"> B <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#C\"> C <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   D\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   E\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#F\"> F <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   G\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   H\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#I\"> I <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   J\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   K\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#L\"> L <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#M\"> M <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#N\"> N <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   O\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#P\"> P <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Q\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#R\"> R <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#S\"> S <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   T\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   U\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   V\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   W\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   X\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Y\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Z\n                            <\/div>\n                <\/div>\n        <hr>\n    <\/div>\n        <div class=\"az-listing__items\">\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"#\" class=\"az-listing__header\">\n                #\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-card-to-use-overseas\"> 0% foreign fees <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/0-purchase-credit-cards\"> 0% purchases <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"A\" class=\"az-listing__header\">\n                A\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/air-miles-credit-cards\"> Air Miles <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/all-rounders\"> All-rounders <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-invites\"> American Express Experiences <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\/avios-credit-cards\"> Avios <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"B\" class=\"az-listing__header\">\n                B\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\"> Balance transfer <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\"> Business <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"C\" class=\"az-listing__header\">\n                C\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/cashback-credit-cards\"> Cashback <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\"> Credit builder <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"F\" class=\"az-listing__header\">\n                F\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/travel-credit-cards\/free-airline-lounge-access\"> Free airport lounge access <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/frequent-flyer-credit-cards\"> Frequent flyer <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"I\" class=\"az-listing__header\">\n                I\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/interest-free-period-credit-cards\"> Interest-free <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"L\" class=\"az-listing__header\">\n                L\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/loungekey-airport-lounge-program\"> LoungeKey membership <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/low-interest-rate-credit-cards\"> Low interest rate <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"M\" class=\"az-listing__header\">\n                M\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/mastercard-priceless-cities\"> Mastercard Priceless Cities <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\/metal-credit-cards\"> Metal <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/money-transfer-credit-cards\"> Money transfer <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"N\" class=\"az-listing__header\">\n                N\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/nectar-credit-cards\"> Nectar <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/no-annual-fee-credit-cards\"> No annual fees <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\/credit-cards-with-no-balance-transfer-fee\"> No balance transfer fee <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"P\" class=\"az-listing__header\">\n                P\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/platinum-credit-cards\"> Platinum <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/prepaid-cards\"> Prepaid <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"R\" class=\"az-listing__header\">\n                R\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\"> Rewards <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"S\" class=\"az-listing__header\">\n                S\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/secured-credit-cards\"> Secured <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\/compare-store-credit-cards\"> Store cards <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/student-credit-cards\"> Student <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\/compare-supermarket-credit-cards\"> Supermarket cards <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n            <\/div>\n        <\/div>\n<h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What's the catch with balance transfers?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>There are 2 main catches with balance transfers. The first is that you might have to pay a transfer fee, which can work out to be expensive if you\u2019re transferring a large balance. The second is that if you have a 0% introductory offer and do not clear your balance before the 0% deal ends, interest charges will be high.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I keep transferring credit card balances?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can. If you can\u2019t pay off your debt within the 0% period, you can simply transfer the remaining balance to another 0% balance transfer card. But remember, this could involve paying another transfer fee and this can get expensive if you\u2019re doing it on a regular basis.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Are there any terms to be eligible for a 0% balance transfer deal?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A 0% balance transfer deal typically only applies to balances transferred within the few first months of card ownership. It\u2019s best to transfer your debt as soon as possible.<\/p><p>You\u2019ll only be eligible to transfer the balance if the new debt doesn\u2019t take you over your credit card limit.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Which of my debts are paid off first? Balance transfer or purchases?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you\u2019re making different types of transactions on your credit card (for example, balance transfers, purchases and cash withdrawals), you will hold a separate balance for each.<\/p><p>When making repayments, the credit card company has to reduce the balance with the highest interest rate attached to it first.<\/p><p>However, if the interest rates are the same on each balance, it\u2019s up to the credit card company which debt is reduced first.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Do balance transfers hurt your credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>When you apply for any credit card, including a balance transfer, this application will be recorded in your credit history. That\u2019s why it\u2019s so important to do your research before applying, to minimise the risk of being turned down and damaging your credit score.<\/p><p>Using balance transfers responsibly can help you maintain a healthy credit score in the long run, as long as you make all your payments on time.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover the best credit cards with no balance transfer fees. 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