Virgin launches three-year 0% balance transfer credit card

Pay no interest on balance transfers for 36 months.

Virgin Money has launched a 36-month 0% balance transfer credit card.

The card is now the joint-longest 0% deal on offer, and comes with a 3.49% transfer fee. It even offers 36 months of 0% interest on money transfers (with a 4% fee) from the card into bank accounts.

The 36-month card is one of a suite of new balance transfer cards from Virgin, which includes a new 31-month 0% card with a 2.99% fee and a low-fee card which offers 26 months of 0% interest with a transfer fee of just 1.25%.

The longest 0% balance transfer credit cards

Let’s take a look at how the Virgin cards shape up when looking at the longest interest-free period on balance transfers.

Credit card	0% period on balance transfers	Balance transfer fee	Cost of transferring £2,000 balance	Representative APR
Barclaycard 36-Month Platinum Visa	36 months	2.99%	£59.80	18.9%
Virgin Money Balance Transfer Credit Card	36 months	3.49%	£69.80	18.9%
Barclaycard 35-Month Platinum Visa	35 months	2.99%	£59.80	18.9%
Barclaycard 34-Month Platinum Visa	34 months	2.74%	£54.80	18.9%
Halifax 34-Month Balance Transfer MasterCard	34 months	2.80%	£56	18.9%
Tesco Bank Clubcard 34-Month Balance Transfer Credit Card	34 months	2.90%	£58	18.9%
Lloyds Bank Platinum 34-Month Balance Transfer MasterCard	34 months	3%	£60	18.9%
Bank of Scotland Platinum 34-Month Balance Transfer MasterCard	34 months	3%	£60	18.9%
HSBC Credit Card	34 months	3.3%	£66	18.9%

Compare the credit cards with the longest 0% periods

The best low-fee 0% balance transfer credit cards

If you can pay your debt off quicker, you can benefit from a smaller balance transfer fee, which can save you money overall.

Here’s how the new Virgin low-fee card compares to the other best buys in this bracket.

Credit card	0% period on balance transfers	Balance transfer fee	Fee paid on £2,000 transfer	Representative APR after 0% period ends
Santander 123 Credit Card*	23 months	None	£0	16.5%
Santander Credit Card	15 months	None	£0	18.9%
Halifax 0% Balance Transfer Fee Offer MasterCard	13 months	None	£0	18.9%
Tesco Clubcard with No Balance Transfer Fee	12 months	None	£0	18.9%
Nationwide Select Low Balance Transfer Fee Credit Card**	15 months	0.25%	£5	15.9%
Nationwide Low Balance Transfer Fee Credit Card	15 months	0.35%	£7	17.9%
Post Office Platinum Credit Card	18 months	0.79%	£15.80	17.8%
Halifax All in One Credit Card	19 months	1%	£20	18.9%
Barclaycard Platinum 24-Month Balance Transfer Credit Card	24 months	1.25%	£25	18.9%
Virgin Balance Transfer Credit Card	26 months	1.25%	£25	18.9%
Bank of Scotland Platinum Balance Transfer Credit Card	28 months	1.50%	£30	18.9%
Halifax Platinum Balance Transfer Credit Card	28 months	1.50%	£30	18.9%
Lloyds Bank Platinum Balance Transfer Credit Card	28 months	1.50%	£30	18.9%

*£24 annual fee

**Nationwide current account customers only

Compare credit cards

More on banking and borrowing:

Ways to get an interest-free loan

The cheapest personal loans

The best 0% money transfer credit cards

How to repair your credit rating