Virgin Money Balance Transfer Credit Card (34 Mths) (21.9%)

Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Whether you're looking to make a new purchase or transfer a balance, there are lots of credit cards to help you get there. Find the longest 0% card with our comparison table.
without affecting your credit score
You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.
1
Compare cards
Use our table of offers to find a credit card that offers all the features you need with the lowest fees.
2
Check your eligibility
Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.
3
Apply for the card you want
Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £3,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,500 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £15,000 |
UK Resident |
We are classed as a credit broker for consumer credit, not a lender.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
With an interest-free credit card, you don't have to pay interest on your purchases for a set amount of time. The length of the interest-free period can range from just a few months to up to 30 months or more.
Having a 0% credit card could save you a lot of money in interest. It can also be a good way to spread the cost of purchases. But be aware that they have to be used with care, or they could still leave you out of pocket.
There are a few different types of interest free credits cards. Each is suited for a different types of spending. Here are the most common ones:
0% purchase cards
An interest-free purchases card offers card holder a lengthy 0% interest period to spread the cost of large purchases. The interest-free period can go up to 30 months or more. You will not need to pay interest or fees as long as you pay back the full amount within the interest-free period. You must also comply with the card terms, like meeting the minimum repayments every month.
0% balance transfer cards
Interest-free balance transfer credit cards let you move debt from one (or several) credit cards to another and charge no interest at all for a set time.
Though you may have to pay a small fee to transfer your balance. This is typically between 1% and 4% of the amount you’re transferring, or a flat fee, and is usually added to your outstanding balance.
0% money transfer cards
Interest free money transfer credit cards let you borrow money from your credit card into a bank account. You can then use these funds to pay off an expensive debt or make a purchase, just like you would with cash or debit card.
With a 0% deal, you can repay what you owe without paying any interest for a set number of months.
If you've got an interest-free credit card, it can be easy for your spending to spiral out of control. It's important that you don't let this happen.
Interest-free credit cards work best when you get them for a specific, planned purchase. They're best used for larger purchases, rather than everyday spending.
For example, you might need new dining furniture. Ideally, you'd only borrow what you're spending on that furniture, and then you'd pay it back before the 0% period ends. You could also do the same for purchasing a holiday.
If you fall into the trap of using your 0% credit card to supplement your income, or to frivolously overspend, you could find yourself in deep debt.
You can borrow without paying any interest at all, if you use the card smartly and pay it off in time.
You can spread the cost of a large purchase.
You get Section 75 protection on purchases between £100 and £30,000 with most credit cards.
You could get into debt if you don't pay it off before the 0% period ends, because the interest rate on the card will increase significantly.
You'll be subject to a credit limit, so you can't always borrow as much as you'd like to.
If you miss repayments, you could lose your 0% benefit, or you could be charged a fee.
It can be tempting to start making frivolous purchases during your 0% period, but this could land you in unnecessary debt.
Interest free credit cards are great for borrowing money without being charged interest. But be sure to have a plan to repay the debt - ideally within the interest-free period. Also, make sure to pay at least the minimum amount every month, or you could lose the interest-free offer entirely. ”Salman Haqqi, Borrowing expert
Lenders are always under great pressure to attract new customers. This has led to many companies offering attractive interest-free credit card deals.
It's a growing trend, and some lenders offer extended interest-free deals. For example, you could get an interest-free credit card deal lasting up to 29 months. That could mean any purchases you make won't attract interest until your introductory rate expires after 29 months.
There are lots of benefits to be had for savvy customers. For example, if you pick a 12 months interest free credit card, you'll have a year in which to settle your debts without incurring interest.
If you're looking to qualify for a credit card with lengthy interest free periods, you'll most likely need to have a good income and credit score.
You might find that you don't qualify due to your circumstances. For example, finding an interest-free credit card with bad credit can be particularly difficult.
Interest-free credit cards are typically aimed at what lenders call 'prime customers'. A prime customer is one with a good income and good credit rating.
If you're struggling to find a credit card that will accept someone with your credit history, you should try shopping around and perhaps consider different kinds of credit cards.
This is why it's good to use an eligibility checker to find out which cards are more likely to accept you before you make an application. It'll save you from wasting time on applying for cards that you're not suited for.
More importantly, every application you make leaves a mark on your credit record. Too many applications in a short period of time can make you look like you are desperate for credit. This isn't appealing to potential lenders as it suggests you're not financially stable.
An interest-free credit card certainly can be the cheapest way to borrow money. But this relies on you being organised and committed enough to making your repayments as agreed.
Don't forget that you'll also have a credit limit on a credit card. So, if you need to borrow more than your credit limit allows, an interest-free credit card might not work for you.
See which cards you are most likely to be accepted for without affecting your credit score
0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.
More on using a credit card for interest free purchasesHere is how to improve your chances of getting accepted for a credit card.
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Read MoreComparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.
We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.
Last updated: 28 March, 2022