A balance transfer credit card is one of the most powerful tools available for clearing existing credit card debt. By moving your balance to a card offering a 0% promotional rate, you stop paying interest and direct every payment toward reducing the principal. The result is that you clear your debt significantly faster and save a substantial amount in interest charges.
The UK market currently offers some competitive 0% periods, but the best deals require a good credit score. Before applying, we strongly recommend checking your credit report to ensure there are no errors that might affect your eligibility.
Best for Bad Credit
#4 Aqua Balance Transfer Card
Balance transfer option for less-than-perfect credit
★★★★★
- ✓Available to those with limited credit history
- ✓Lower credit limits initially
- ✓Reports to all three credit agencies
- ✓Helps rebuild credit while clearing debt
- ✓Higher APR after promotional period
Most of the best balance transfer deals require a good credit score. Aqua is one of the few providers that offers a balance transfer option to those with a less-than-perfect history. The terms are less competitive, but it provides a genuine route to clearing debt for those who have been rejected elsewhere.
Check Aqua Eligibility →
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