Balance transfer credit cards

If you want to keep all your existing balances in one place, a balance transfer credit card could be a good way to do this.

Balance transfer credit cards usually come with an introductory offer, so when you transfer a balance from one card to another, you’ll pay that interest rate until it comes to an end. Transfer fees may apply.

Will I be accepted?

See if you’re likely to be approved for a Halifax credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.

Check your eligibility

You could move your current credit or store card balances to a card with an introductory offer on balance transfers.

You could put your current credit card and some store card balances together, so they’re easier to manage.

More about balance transfers

How long do they take?

Balance transfers normally arrive the next working day after they’ve been approved. Transfer fees may apply.

How much can you transfer?

The minimum amount is £100 and there’s no limit to how many you can make. Just make sure you stay within the credit limit you’ll be given when approved for your new credit card. You’ll also need to allow for any balance transfer fees and other transactions to be added to the card.

What happens after the introductory offer ends?

Your interest will go to the standard rate for your credit card. This might be higher, unless you clear your balance in full before the introductory offer ends. Bear in mind, you’ll lose your introductory rate if you don’t make your minimum payment each month and stay within your credit limit.

Things to look out for

  • The interest rate and any fees charged to your account. This is known as the Annual Percentage Rate (APR) and is useful for comparing the overall costs of credit cards.
  • How long the introductory offer is for.
  • Only borrow what you can afford to pay back each month.
  • Make sure the credit card limit suits your needs.
  • Try to pay back your full statement balance each month, so you don't have to pay any interest.

Everything you'd expect - as standard

Looking for a new credit card?

Want to transfer a balance, help manage your everyday spends or spread the cost of a big-ticket item? Or maybe a travel credit card might suit your needs.

Large purchase credit cards

Everyday spending credit cards

Travel credit cards

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If you’ve already got a credit card with us, you’ll find everything you need to look after it here.

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Find out more about credit cards

A credit card can be very handy. The trick is learning how it works so you can use it wisely. Whether you’re thinking of applying for a Halifax credit card or you’re already a customer, our guides will help you find out more.

What are credit card interest rates?

Tips for managing your card

Credit cards help and guidance

Will I be accepted?

See if you’re likely to be approved for a Halifax credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.

Check your eligibility

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.