Comparing balance transfer credit cards online since 2002
The 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
Many of the previous 24 months credit card promotional offers have now been increased with 0% for up to 39 months or more now available on balance transfers.
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
Balance Transfers:
0% interest for 40 Months
Balance Transfer Fee:
2.69%
Purchases:
0% interest for 3 Months
Representative APR:
18.9% APR (variable)
Card Details
Tesco Clubcard Credit Card for Balance Transfers* 
- 0% interest for up to 40 Months on balance transfers from account opening
- 2.69% 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
- The 0% offer is applied to any balances or money transferred within the first 90 days of opening your account
- Apply online and get a decision within 60 seconds
- Annual Fee: None
Application Criteria
Tesco Clubcard Credit Card for Balance Transfers*
- 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
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
The APR, length of promotional offer, and credit limit may vary as they are dependent on your personal circumstances
Card Offers
Balance Transfers:
0% for up to 38 Months
Balance Transfer Fee:
2.25%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
Card Details
Halifax Balance Transfer*
- 0% for up to 38 months from account opening on balance transfers made in first 90 days
- 2.25% balance transfer fee in first 90 days (after 0.75% refund), 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
Application Criteria
Halifax Balance Transfer*
- 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
2.25% balance transfer fee (after refund) in first 90 days, 3% fee applies after 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed 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
Balance Transfers:
0% for 35 Months
Balance Transfer Fee:
1.49%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
Card Details
Lloyds Platinum 35 Month Balance Transfer*
- 0% for up to 35 months on balances transfers made within 90 days of account opening
- 1.49% balance transfer fee (after 1.51% refund) in first 90 days, 3% fee applies after 90 days
- 0% on purchases for3 months from account opening
- Lloyds Clicksafe and Internet fraud protection
- Online card servicing
- Annual Fee: None
Application Criteria
Lloyds Platinum 35 Month Balance Transfer*
- You are a UK resident
- You have a regular income
- You are free from any county court judgements
- You are aged 18 or over
1.49% balance transfer fee (after refund) in first 90 days, 3% fee applies after 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)
Card Offers
Balance Transfers:
0% for up to 32 Months
Balance Transfer Fee:
0.8%
Purchases:
0% for 12 Months
Representative APR:
18.9% APR (variable)
Card Details
Bank of Scotland 32 Month Balance Transfer*
- 0% for up to 32 months from account opening on balance transfers made within first 90 days
- 0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 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
Application Criteria
Bank of Scotland 32 Month Balance Transfer*
- 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
0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed 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
Balance Transfers:
0% for up to 37 Months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
Card Details
Post Office Money Balance Transfer*
- 0% for up to 37 months on balance transfers made within 3 months of account opening
- 1.99% balance transfer fee applies
- 0% on all purchases for the first three months
- No cash fee to buy travel money at the Post Office
- Manage your account 24/7 with Post Office Money mobile app
- Annual Fee: None
Application Criteria
Post Office Money Balance Transfer*
- 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
- You have no county court judgements
- You must not already hold a Post Office Money Credit Card
A 1.99% fee applies and balance transfers must be made within 3 months of account opening
Representative Example: 18.9% APR representative (variable). Based on an assumed 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
Balance Transfers:
0% interest for 24 Months
Balance Transfer Fee:
0%
Purchases:
No offer
Representative APR:
18.9% APR (variable)
Card Details
Tesco Clubcard Credit Card with No Balance Transfer Fee*
- 0% interest for up to 24 Months on balance transfers made within the first 90 days of opening your account
- No balance transfer fee
- No introductory offer on purchases
- 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
Application Criteria
Tesco Clubcard Credit Card with No Balance Transfer Fee*
- 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
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Card Offers
Balance Transfers:
0% for up to 29 Months
Balance Transfer Fee:
0%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
Card Details
Halifax 29 Month Balance Transfer*
- 0% for up to 29 months from account opening on balance transfers within first 90 days
- 0% balance transfer fee in first 90 days, 3% fee applies after 90 days
- 0% for 3 months from account opening on purchases
- Cover against online fraud when purchasing on the Internet
- Online account management
- Annual Fee: None
Application Criteria
Halifax 29 Month Balance Transfer*
- 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
0% balance transfer fee in first 90 days, 3% fee after 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed 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
Balance Transfers:
0% for up to 37 Months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
Card Details
AA Balance Transfer*
- 0% for up to 37 months on balance transfers made in first 3 months
- 1.99% balance transfer fee
- 0% for 3 months on purchases from account opening
- Contactless payments
- Mobile servicing app
- Annual Fee: None
Application Criteria
AA Balance Transfer*
- 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
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% 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
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 balance transfer credit card.
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Today Balance Transfer Expert has:-
105 UK 0% balance transfer credit cards offering:-
- 0% balance transfers for up to 40 months with a 2.69% fee
- 0% balance transfers for up to 33 months with a 0.58% fee
- 0% balance transfers for up to 29 months with no fee
