24 Months Credit Card

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.

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

M&S Transfer Plus*

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Card Details

M&S Transfer Plus*

0% for 29 months on balance transfers made within 90 days of account opening
2.75% balance transfer fee, minimum £5
0% on purchases for 3 months from account opening
Collect M&S points every time you shop anywhere in the world with your card
One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
Manage account online
Annual Fee: None

Application Criteria

M&S Transfer Plus*

You are a UK resident
You have an annual income or pension of at least £6,800
You are aged 18 or over
You have not held a credit card with M&S Bank within the previous 12 months

Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

HSBC Balance Transfer*

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Card Details

HSBC Balance Transfer*

0% interest for 29 months on balance transfers made within first 60 days of account opening
2.75% balance transfer fee applies (minimum £5)
0% interest on purchases for 3 months from account opening
At end of promotional period, balance transfers and purchases will revert to standard variable rate
Worldwide offers and discounts with HSBC home&Away
Manage your card online
Annual Fee: None

Application Criteria

HSBC Balance Transfer*

You have an annual income or pension before tax of £6,800 or more
You are a UK resident
You are aged 18 or over
You do not hold an HSBC Basic bank account

Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

Credit is subject to status, affordability and applicable terms and conditions

No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 months

Balance Transfer Fee:

Purchases:

0% for 4 months

Representative APR:

20.6% APR (variable)

Card Details

Co-operative Bank Balance Transfer

0% interest for 24 months for balance transfers made within 60 days
3% balance transfer fee, minimum £5
0% interest on purchases for 4 months from account opening
All successful applicants will receive this exact rate and offer
Online account management
Annual Fee: None

Application Criteria

Co-operative Bank Balance Transfer

Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
You are a UK resident
You have annual income of £10,000 or more
You are aged 18 or over

Only available to Co-operative Bank customers

Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

No balance transfers allowed to this card from Co-operative credit cards

Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 20 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 months

Representative APR:

21.9% APR (variable)

Card Details

M&S Shopping Plus*

0% for 20 months on balance transfers made within 90 days of account opening
2.9% balance transfer fee, minimum £5
0% on purchases for 20 months from account opening
Collect M&S points every time you shop anywhere in the world with your card
One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
Manage account online
Annual Fee: None

Application Criteria

M&S Shopping Plus*

You are a UK resident
You have an annual income or pension of at least £6,800
You are aged 18 or over
You have not held a credit card with M&S Bank within the previous 12 months

Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Post Office Classic

Balance Transfers:

0% for up to 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for up to 12 months

Representative APR:

34.9% APR (variable)

Card Details

Post Office Classic

0% on balance transfers for up to 18 months
2.9% balance transfer fee
0% on purchases for up to 12 months
Credit limit up to £8,000
Online account management
Annual Fee: None

Application Criteria

Post Office Classic

You are a UK resident
You have a bank or building society account
You are aged 18 or over

Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)

No balance transfers allowed to this card from Capital One or Post Ofice credit cards

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.

24 Months Credit Card