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Record-breaking 0% interest credit cards rated

Which? reviews new table-topping credit card deals

Gold credit card in between two white credit cards

Which? reviews the latest table-topping credit cards from Virgin Money, Clydesdale Bank and Yorkshire Bank.

If you’ve built up credit card debt and need time to pay it off, there’s no time like the present to find a decent 0% balance-transfer deal. 

Credit card providers are currently offering balance-transfer deals up to 40 months long, while it’s also possible to get a 23-month deal with no balance-transfer fees to pay. 

Equally, 0%-on-purchases deals have also reached record lengths. The longest deal in our tables currently stands at 26 months, which is great if you have a big purchase in mind and want to pay off the debt interest-free over a couple of years. 

Remember, with both types of deal it’s best to clear the balance before the end of the interest-free period, as most cards will revert to their headline rates immediately after the deal ends. Setting up a monthly direct debit to pay off part of your balance will help you avoid missing repayments and potentially losing your introductory deal. 

The Which? Money Compare credit card tables let you search hundreds of cards from providers large and small to choose a great deal based on quality of service as well as cost and benefits. For the credit cards highlighted below, we have included a link to the Which? Money Compare tables where you can find more details. 

Which? Money Compare table: Credit card comparison tables – hundreds of cards compared 

Table-topping balance transfer credit cards

Earlier this month, Virgin Money launched an almighty 40-month 0% balance transfer deal on its Balance Transfer Credit Card (APR 18.9%). 

The card has a 2.99% balance-transfer fee, provided transfers are made within the first 60 days of opening the account, otherwise it increases to 5% (min £5). 

Customers interested in this deal need to apply before 9 September. Click here for more details about this card. 

If you’re after a deal with a lower fee, Barclaycard and Halifax both offer 36-month deals with balance transfer fees of 2.39% and 2.45% respectively.

There are also plenty of reasonably lengthy 0% balance-transfer deals charging no balance transfer fee at all. Santander leads the way with a 23-month deal on its 123 Credit Card (12.7% APR), while Tesco Bank offers a 19-month deal (APR 18.9%).

Which? Money Compare Table: 0% balance transfer credit cards – find a great deal 

Table-topping 0% purchase credit cards 

Clydesdale Bank and Yorkshire Bank currently top the table for the longest 0%-on-purchases deal, each offering a whopping 26 months of interest-free purchases (APR 18.9%). Click here for more details of the Clydesdale Bank card or click here for the Yorkshire Bank card. 

The next best credit card in our table is a 25-month deal offered by the Post Office Matched Card (APR 18.9%). 

Which? Money Compare Table: 0% purchase credit cards – find a great deal 

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Which? Limited is an Introducer Appointed Representative of Which? Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited.

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