Interest free balance transfer credit cards up to 32 months

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Best for no-fee balance transfers

M&S Bank Credit Card Purchase Plus Offer

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24.9% APR representative variable

No annual fee
0% on purchases for up to 20 months
0% on purchases for up to 12 months

Best for no account fee

Santander Everyday Long Term Balance Transfer Credit Card

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24.9% APR representative variable

No annual fee
3 months to spread the cost of purchases
Over 2 years to reduce existing card debt

Best for 0% balance transfer

Finder Award

Tesco Bank Balance Transfer Card

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24.9% APR representative variable

No annual fee
Over 2 years to reduce card debt
Earn Clubcard points on spend

To choose the best card for each category shown above, our experts analysed rates, features and perks for cards from the current market. If we show any "promoted" picks, these are based on factors that include special features or offers and the commission we receive. If we show any "best" picks, these are our credit card editor's top picks for different categories and are chosen based on factors that include costs, purpose, rewards and extras. You can read our full methodology here. Keep in mind that our picks may not always be best for you – it's important to compare for yourself and find a card that does the job you need it to do.

Compare long term balance transfer credit cards

Table: sorted by representative APR, promoted deals first

1 - 10 of 52

Product	Finder Score	Balance transfers	Purchases	Annual/monthly fees	Representative APR	Incentive
M&S Bank Credit Card Purchase Plus Offer	Finder score 9.9Excellent	0% for 12 months (3.49% fee)	0% for 24 months reverting to 24.9%	£0	24.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
first direct Credit Card	Finder score 8.1Great	0% for 20 months (2.99% fee)	24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card	Finder score 9.5Excellent	0% for 32 months (3.49% fee, min £5 fee)	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review Compare	loading Fetching your data...
Santander Everyday No Balance Transfer Fee Credit Card	Finder score 7Great	0% for 12 months (0% fee)	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Santander Everyday Long Term Balance Transfer Credit Card	Finder score 9.1Excellent	0% for 31 months (3.45% fee)	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card	Finder score 8.3Great	0% for 17 months (3.49%, min £5 fee)	0% for 20 months reverting to 24.9%	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	Finder score 8.7Great	0% for 30 months (3.49%, min £5 fee)	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Santander All in One Credit Card	Finder score 8.7Great	0% for 15 months (0% fee)	0% for 15 months reverting to 23.9%	£3 per month	29.8% APR (variable)	0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa	Finder score 8.6Great	0% for 24 months (3% (minimum £5) fee)	0% for 4 months reverting to 20.6%	£0	20.6% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Read review Compare	loading Fetching your data...
HSBC Premier Credit Card	Finder score 8.7Great	0% for 18 months (2.99% fee (min. £5) fee)	0% for 9 months reverting to 23.9%	£0	23.9% APR (variable)	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles. 1 point = 1p (no min) Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Read review Compare	loading Fetching your data...

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

What is a balance transfer credit card?

If you’re struggling to pay off an existing credit card debt, you could move your debt to a card with a long-term balance transfer offer. Then you can repay your credit card with no interest for up to 32 months.

Before you get started, you can use this guide to compare credit cards with a long interest-free balance transfer and discover the features you should consider before you apply.

What is a long term balance transfer card?

A long term balance transfer credit card offers a 0% interest rate on balance transfers for up to 32 months. Some other cards may charge no interest for only 6 to 18 months.

Cards with a long interest-free balance transfer deal are designed to help cardholders who have a high outstanding balance or want more time to repay their debt without interest. At the end of the promotional period, any remaining debt will incur a higher rate, so you’ll need to pay off the balance before then to avoid it.

Be aware that making a long term balance transfer doesn’t mean you can take a break from payments. Ensure you make the minimum monthly payment by the due date on your statement.

How to compare long term 0% balance transfer offers

Before you apply for a card with a long balance transfer deal, there are some factors to consider – we’ve set them out below.

How long is the interest-free period? These cards generally offer 0% on balance transfers for up to 32 months, but the exact promotion will vary between cards. To decide how long you’ll need, consider the size of your debt and divide it by the number of months in the promotional period. This is how much you’ll have to pay each month to clear the debt before the standard interest rate applies. If you don’t think you can afford this each month, consider a card with a longer interest-free period to reduce and spread out your monthly repayments.
Is there a balance transfer fee? You might be charged a balance transfer fee when you first move your debt. This one-time fee can range between 0% and 4% of the transfer amount. This can eat into your overall savings, so it’s important to compare. For example, if you had a £3,000 debt, a 2.5% transfer fee would cost you £75. This £75 fee would be added to the balance and would also be included under the 0% interest-free period if offered.
What is the standard interest rate? At the end of the promotional period, any remaining balance will attract the standard interest rate. Annual percentage rates (APRs) on these types of credit cards usually range between 10% and 34.9% a year. Always aim to repay your entire balance before this interest rate applies, but it’s still worth knowing the rate so you’re not hit with a nasty surprise when the introductory period ends.
Does the card charge an annual fee? Some cards with a long term balance transfer don’t charge an annual fee for life or at least for the first year. Others charge annual fees that can range from tens to hundreds of pounds. Before you apply, you should make sure that the annual fee doesn’t offset the savings you’ll get from the interest-free period. When you use the balance transfer calculator in this guide, the amount saved column considers both the annual fee and balance transfer fee.

Bottom line: Are long term balance transfer credit cards worth it?

A long term balance transfer credit card can help you get your debt under control without the additional cost of interest. However, it’s important that you plan ahead to ensure you can pay off your debt in full before the standard APR applies to get the most out of your 0% balance transfer card.

Want to know more? Check out our guide to 0% balance transfer credit cards.

Frequently asked questions

You should make credit card repayments by the due date detailed on your bank statement for each statement period. While you’re only required to pay the minimum repayment, you should always aim to pay more or all to clear your debt faster, especially if your card has a limited 0% balance transfer period. Setting up a direct debit with your bank is a great way to keep on top of your repayments.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 566 Finder guides across topics including:

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Compare long term balance transfer credit cards

Need more time to repay your debt? See which interest free balance transfer card is best for you.

How we chose these cards

Compare long term balance transfer credit cards

Finder Score for credit cards

What is a balance transfer credit card?

What is a long term balance transfer card?

How to compare long term 0% balance transfer offers

Bottom line: Are long term balance transfer credit cards worth it?

Frequently asked questions

How often should I make credit card repayments and how much should they be?

Can I repay my credit card before the balance transfer period ends?

What happens to my old credit card when I've completed the balance transfer?

Chris Lilly

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