In the good old days, there were some credit cards that offered a zero percent balance transfer – and that was it. Transfer your balance, and you’ll be on a zero percent rate. Zip. Those were the good old days.

Now, of course, zero percent balance transfers come with a fair old fee attached – 2%, 3%, 3.5% – they’re creeping upward. Of course, they’re trying to make money whilst at the same time seeming to offer a great deal. So, they’ll try and entice you with a few side deals as well as the zero percent on transfers.

So, what are the best deals out there for zero percent balance transfers? Let’s see what we’ve got.

Norwich & Peterborough Building Society has a fee-free card with zero percent on balance transfers for six months. The APR on purchases is 14.9%. Sadly, this card is only available to N&P customers due to high demand – wonder why there’s high demand!

The Mint card has a 2.5% handling fee and zero percent on balance transfer until 1 August 2008, and. It also has zero percent on purchases until 1 January 2008 – and another six months at 0% on balance transfers made in October 2008. Regular APR on purchases is 14.9%.

Capital One’s Platinum card has zero percent on balance transfers until 1 July 2008, but a handling fee of 3%. The regular APR is 15.9%. The bonus on this card is three months worth of free credit on purchases.

The Barclaycard Platinum card has a 13 month zero percent period on balance transfers, but has a 3% handling fee. The APR on purchases is 14.9%. The other benefits here are various insurance protection deals and three months without interest on purchases.

The last one we’ll look at is the Virgin Money card. This comes with 13 months of free interest on balance transfers, but with a fee of 2.98%. The APR is 15.9%, and there are three months of zero percent interest on purchases, plus Virgin Members Shop reward points.