Originally Posted by Calchas

Lloyds have been offering me fee-free balance transfers for some time (with 4% APR after the transfer). Not really sure why. I have been earning a few points by transferring all my balances to Lloyds each month (and then immediately paying it off by bank transfer). Kicker is you only get Avios on multiples of £1k, and the rate is not very good. You can transfer from other Amex cards. But worth checking if you got this offer.