
The UK ‘s first 24 months credit card was introduced as a special offer by Barclaycard back in 2011. This first 24 months card was only available as a limited time offer.
This 24 months credit card had what was 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 as many customer looked to balance transfer their Christmas spending.
24 Months Credit Card
Many of the other credit card companies then followed Barclaycard and also introduced 24 months credit cards with long balance transfer offers. These 24 months credit card promotional offers were increased on many of these cards over the years.
0% for up to 43 months was available in 2018 on a few credit cards, however many card companies have now greatly reduced their longest balance transfer offers.
All of the following featured credit cards are now available:-
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Card Offers
Card Details
- 0% interest on balance transfers for up to 29 months
- 3% or 4% balance transfer fee on transfers made at application, depending on your individual circumstances (minimum £3)
- 0% interest on purchases for your first 3 months
- Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
- Collect 1 Nectar point for every £5 spent on your card elsewhere
- Online account management
- Annual Fee: None
Application Criteria
- You have a permanent UK address
- You have not been declined for credit in the last month
- You do not have a history of bad credit
- You are aged 18 or over
Card Offers
Card Details
- 0% on balance transfers for 23 months from account opening
- 1.99% balance transfer fee
- 0% on purchases for first 3 months from account opening
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
- You are a NatWest customer
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Card Offers
Card Details
- 0% interest for up to 28 months on balances transferred within first 90 days
- 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
- 0% interest for the first 3 months on purchases
- Internet fraud protection and Clicksafe
- Apple Pay and Android Pay
- Annual Fee: None
Application Criteria
- You are an existing TSB customer
- You are not currently declared bankrupt, have CCJs or subject to IVA
- You have a good credit rating and regular income
- You are a UK resident
- You are aged 18 or over
Card Offers
Card Details
- 0% interest on balance transfers for 26 month from date account opened
- 0% balance transfer fee
- 0% interest on purchases for 20 month from date account opened
- 0.5% cashback on all of your purchases
- No foreign transaction fee on purchases made abroad in local currency
- Cashback through Retailer Offers
- Monthly Fee: £3
Application Criteria
- You are a permanent UK resident
- You have a good credit history with no history of bad credit
- You have an income of £7,500 per year or more
- You are at least 18 years of age
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.
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