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

Sainsbury’s Balance Transfer

Balance Transfers:

0% for up to 29 months

Balance Transfer Fee:

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Card Details

Sainsbury’s Balance Transfer

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

Sainsbury’s Balance Transfer

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

Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% p.a. (variable)

No balance transfers allowed to this card from Sainsbury’s credit cards

Card Offers

NatWest Longer Balance Transfer

Balance Transfers:

0% for 23 months

Balance Transfer Fee:

1.99%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

NatWest Longer Balance Transfer

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

NatWest Longer Balance Transfer

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

Only available to customers who have a current account, savings account, credit card or mortgage with NatWest

Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

Card Offers

TSB Platinum Balance Transfer

Balance Transfers:

0% for up to 28 months

Balance Transfer Fee:

2.95%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

TSB Platinum Balance Transfer

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

TSB Platinum Balance Transfer

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

Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

No balance transfers allowed to this card from TSB credit cards

Card Offers

Santander All in One

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

Purchases:

0% for 20 months

Representative APR:

23.7% APR (variable)

Card Details

Santander All in One

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

Santander All in One

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

Monthly fee of £3 payable

Representative Example: 23.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable) with a monthly fee of £3 payable

No balance transfers allowed to this card from Santander 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