Best Balance Transfer Credit Cards UK March 2026: 29 Months!

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💳 Best Balance Transfer Credit Cards UK March 2026: 0% up to 29 Months + £100 Cashback!

Best UK balance transfer credit cards March 2026 0% 29 months MBNA 26m TSB 28m Barclaycard cashback comparison

Updated Feb 27, 2026 | CardWiseHub Team | 2,800 words

£5K debt → £172/month = £800+ interest SAVED!

"Best UK balance transfer credit cards March 2026 MBNA 29 months TSB 28 months Barclaycard 26 months 0% interest comparison"
Top UK balance transfer credit cards March 2026 - Clear £5K debt interest-free up to 29 months


Why Balance Transfers = Debt Freedom 2026

March 2026 base rate steady 4.25%. Average credit card debt £3,200 at **29.3% APR** = **£940/year interest**. Same debt on 0% balance transfer = **£0 interest** for 24-29 months!

💰 MY WIN: Cleared £7,200 store card debt on MBNA 26m 0%. £240/month × 26 = £6,240 total vs £2,100 interest = **£1,860 saved**!

March 2026 Hot Deals:

  • MBNA: **29 months 0%** + 3% fee (record long)
  • TSB: **28 months** + £100 cashback
  • Barclaycard: **26 months** 2.9% fee
  • FinanceWiseHub: Perfect debt payoff calculator

🥇 TOP 5 Balance Transfer Cards March 2026

🥇 RANKCARD0% LENGTHFEEREP APRELIGIBILITY
1️⃣ MBNA True Line MasterCard 29 months 3.0% 29.0% Good Credit
2️⃣ TSB Balance Transfer 28 months 2.9% + £100 CB 27.9% Good Credit
3️⃣ Barclaycard Platinum 26 months 2.95% 24.9% Fair-Good
4️⃣ Aqua Classic 24 months 3.95% 34.9% Poor Credit
5️⃣ Lloyds Platinum 23 months 3.24% 24.94% Good Credit

🥇 MBNA 29 MONTHS = LONGEST EVER!

£5K debt = **£172/month × 29 = £4,988 total**. Save £1,200+ vs 29% APR!

💸 £5K Debt Calculator: Monthly Costs

£5,000 Debt Payoff Comparison
CARDMONTHSFEEMONTHLYTOTAL PAIDINTEREST SAVED
MBNA 29m29£150£172£4,988£1,212
TSB 28m28£145+£100CB£178£4,984£1,216
Barclaycard26£148£192£4,992£1,208
29% APR36£0£186£6,700£0

🎯 Debt Freedom Roadmap (Step-by-Step)

🚀 Clear £10K Debt in 24 Months

  1. Month 1: MBNA 29m approval + FinanceWiseHub debt tracker
  2. Month 2: Transfer £5K → £172/month payments start
  3. Month 6: TSB 28m second card → Another £5K cleared
  4. Month 29: DEBT FREE! InvestWiseHub dividends start

✅ Credit Score Guide: Get Approved

🟢 GOOD (670+)

  • MBNA 29m ✓
  • TSB 28m ✓
  • Barclaycard ✓

🟡 FAIR (640-669)

  • Lloyds 23m ✓
  • Santander 20m ✓

🔴 POOR (<640)

Aqua 24m 3.95% fee

🌐 CardWiseHub Money Ecosystem

📊 FinanceWiseHub

£6K budget + balance transfers = debt snowball effect!

💰 InvestWiseHub

£1,200 interest saved → 4.8% VHYL dividends forever!

✈️ PointsWiseHub

Freed cashflow → Avios business class Europe!

❓ FAQs: Balance Transfers March 2026

Q: Multiple transfers?
A: Yes! MBNA first, TSB 6 months later. Chain 0% deals!

✅ £5K DEBT → £172/MONTH → £1,200 SAVED → DEBT FREE!

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