Here are the best balance transfer credit cards to help clear your debts interest free

The number of interest-free balance transfer deals on offer however is falling, and promotional terms are shortening as banks tighten lending, but the top deals still offer up to 32 months.

Here are the best balance transfer credit cards to help clear your debts interest free
Deals as long as 36 months and can help you clear your debts quicker

Balance transfer credit cards are a great tool to help clear your expensive debts quicker thanks to lengthy interest-free deals.  

If you use these deals sensibly, these 0 per cent interest terms mean your repayments are focused on clearing your balance, rather than covering interest.

The number of interest-free balance transfer deals on offer however is falling, and promotional terms are shortening as banks tighten lending, but the top deals still offer up to 32 months.

Avoid the balance transfer credit card traps

The crucial thing to remember is that card companies aren't providing cheap credit as a favour.

They want you to not clear debts during the 0 per cent period and spend more on the card, which makes them money.

Avoiding falling into this trap is the key to balance transfer success.

Remember, you are trying to repay your debts, not build up more. So think hard before buying anything else with credit.

Work out how much you need to repay each month in order to clear the debt in time and set up a direct debit.

Beware, pay late or spend beyond your limit and you could have the 0 per cent promotion whipped away.

This is Money has compiled a selection of the best deals currently available in the balance transfer market.

LONGEST INTEREST-FREE BALANCE TRANSFER CREDIT CARDS
Provider

 
Interest-free term on balance transfers Interest-free term on purchases  Transfer fee 

 
APR

 
Extra info

 
Post Office  32 months   3 months   2%  19.9%  You'll need to transfer the balances within three months of your account opening 
HSBC  32 months 3 months  1.4%  21.9%  Must transfer the balance in the first 60 days. 
Sainsbury's Bank   30 months  3 months   3%  19.9%  Up to 7,500 bonus Nectar points on Sainsbury's shopping in the first 2 months.
Virgin Money  29 months   3 months  1.75%  20.9%  Transfers must be made within first 60 days to qualify for the 0% promotion 
Barclaycard  29 months   6 months  2.5%  19.9%  £20 cashback when you transfer a balance of £2,000 or more within 60 days of opening your account until February 4th 
Tesco Bank  28 months  2.69%  18.9%  Also comes with 28 months' 0% interest on money transfers (3.94% fee)
M&S Bank  28 months   6 months   0.99%  19.9%  £5 M&S voucher after first purchase  at M&S.
Sainsbury's Bank   27 months   27 months  3%  20.9%  Up to 7,500 bonus Nectar points on Sainsbury's shopping in the first 2 months. 
Correct as of Janurary 18 2019