24 Months Credit Card

24 Months Credit CardThe UK ‘s first 24 months credit card was introduced as a special offer for a limited time only by Barclaycard in 2011.

This 24 months credit card had at the time, the longest ever UK balance transfer offer, a 0% for 24 months introductory promotional rate on balance transfers.

The 24 months credit card was briefly available again in January 2012 for the peak balance transfer period in the new year.

24 Months Credit Card

The 24 months credit card promotional offers have now been increased with 0% for 30 month balance transfer offers or longer.

The Halifax balance transfer offers have now also increased from their previous 24 months 0% offer.

All of the following featured credit cards now offer 0% for 24 months or longer on balance transfers.

Card Offers

Tesco Clubcard Credit Card for Balance Transfers*
Balance Transfers:
0% interest for 38 Months
Balance Transfer Fee:
2.7%
Purchases:
0% interest for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Tesco Clubcard Credit Card for Balance Transfers*
  • 0% interest for 38 Months on balance transfers from account opening
  • 2.7% balance transfer fee
  • 0% interest for 3 Months on purchases from account opening
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Apply online and get a decision within 60 seconds
  • Online Account Management
  • Annual Fee: None
  • More Information

Application Details

Tesco Clubcard Credit Card for Balance Transfers*
Has the following application criteria:-
  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
If you meet these criteria, then please click here for More Information

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

Card Offers

Halifax Balance Transfer*
Balance Transfers:
0% for up to 40 Months*
Balance Transfer Fee:
2.95%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Halifax Balance Transfer*
  • 0% for up to 40 months from account opening on balance transfers made in first 90 days
  • 2.95% balance transfer fee (after refund) in first 90 days, 3% fee applies after 90 days
  • 0% for 6 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Halifax Balance Transfer*
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

This is a limited offer, available until 15th February 2016
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Lloyds Platinum 37 Month*
Balance Transfers:
0% for up to 37 Months*
Balance Transfer Fee:
2.65%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Lloyds Platinum 37 Month*
  • 0% for up to 37 months from account opening on balance transfers
  • 2.65% balance transfer fee (after refund) in first 90 days, 3% fee applies after 90 days
  • 0% for 6 months from account opening on purchases
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
  • More Information

Application Details

Lloyds Platinum 37 Month*
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You are free from any county court judgements
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

2.65% balance transfer fee in first 90 days, 3% fee applies after 90 days
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

AA Dual*
Balance Transfers:
0% for 24 Months
Balance Transfer Fee:
2.98%
Purchases:
0% for 24 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

AA Dual*
  • 0% on balance transfers for 24 months made in the first 3 months
  • 2.98% balance transfer fee
  • 0% on all purchases for 24 months when transaction made within 3 months
  • Contactless payments
  • Mobile servicing app
  • Annual Fee: None
  • More Information

Application Details

AA Dual*
Has the following application criteria:-
  • You are a UK resident
  • You have a current bank or building society account
  • You do not have any outstanding County Court Judgements
  • You have an annual income of over £8,000
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

Representative Example: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
AA Credit Cards are provided by Bank of Ireland UK. AA Finances Services Limited is a credit broker and not a lender.

Card Offers

Bank of Scotland 32 Month Balance Transfer*
Balance Transfers:
0% for up to 32 Months*
Balance Transfer Fee:
1.14%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Bank of Scotland 32 Month Balance Transfer*
  • 0% for up to 32 months from account opening on balance transfers
  • 1.14% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • 0% for 6 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Bank of Scotland 32 Month Balance Transfer*
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You have not bankrupt or subject to an IVA and have no County Court Judgments
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

1.14% balance transfer fee in first 90 days, 3% fee after 90 days
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Post Office Money Balance Transfer*
Balance Transfers:
0% for 37 Months
Balance Transfer Fee:
2.49%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Post Office Money Balance Transfer*
  • 0% on balance transfers for 37 months
  • Initial 2.98% balance transfer fee applies, reduced to 2.49% after refund
  • 0% on all purchases for the first three months
  • No cash fee to buy travel money at the Post Office
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Post Office Money Balance Transfer*
Has the following application criteria:-
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

Initial 2.98% balance transfer fee applies, reduced to 2.49% after refund
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

Card Offers

Halifax 30 Month Balance Transfer*
Balance Transfers:
0% for 30 Months
Balance Transfer Fee:
1%
Purchases:
0% for 12 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Halifax 30 Month Balance Transfer*
  • 0% for 30 months from account opening on balance transfers within the first 90 days
  • 1% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • 0% for 12 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Halifax 30 Month Balance Transfer*
Has the following application criteria:-
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

1% balance transfer fee in first 90 days, 3% fee after 90 days
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR is dependent on your personal circumstances

Card Offers

Tesco Clubcard Credit Card with No Balance Transfer Fee*
Balance Transfers:
0% interest for 21 Months
Balance Transfer Fee:
0%
Purchases:
0% interest for 1 Month
Representative APR:
18.9% APR (variable)
More Information

Card Details

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • 0% interest for 21 Months on balance transfers made within the first 90 days of opening your account
  • No balance transfer fee
  • 0% interest for 1 Month on purchases from account opening
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Apply online and get a decision within 60 seconds
  • Online Account Management
  • Annual Fee: None
  • More Information

Application Details

Tesco Clubcard Credit Card with No Balance Transfer Fee*
Has the following application criteria:-
  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
If you meet these criteria, then please click here for More Information

Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

The longest balance transfer offers in the UK credit card market have increased substantially since the end of December 2010, when the longest balance transfer rate available was 0% for 16 months.

There are, at the the time of writing, currently 18 balance transfer credit cards with 18 months balance transfer or longer deals available.

These cards include the Nationwide balance transfer credit cards as well as the the Bank of Scotland Platinum balance transfer credit card.

Today Balance Transfer Expert has:-

  • 0% balance transfers for up to 40 months with a 2.95% fee
  • 0% balance transfers for up to 32 months with a 1.14% fee
  • 0% balance transfers for up to 23 months with no fee

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