This card, which offers a great combination of 0% period and low fee, is being pulled soon, so act now if you want to grab it!
If you want to get hold of the Barclaycard 25-Month Platinum Visa, you’ll need to move quickly as we have heard that the card offer will be ending soon.
The 25-Month Platinum is a very attractive card as it combines a lengthy 0% period with a very low balance transfer fee – just 1.5% of the amount you’re transferring. After the 0% period ends you’ll start paying interest at 18.9% APR, so make sure you clear as much, if not all, of the debt within the 25 months as you possibly can.
How it compares
If you’re looking for a combination of a hefty interest-free period and a low balance transfer fee, for my money the 25-Month Platinum is your best bet, as the table below demonstrates.
|
Card |
0% period |
Balance transfer fee |
Representative APR |
|
25 months |
1.5% |
18.9% |
|
|
24 months |
1.5% |
17.9% |
|
|
TSB Platinum MasterCard |
24 months |
1.5% |
17.9% |
|
24 months |
1.5% |
17.9% |
|
|
18 months |
1.5% |
13.9% |
|
|
18 months |
1.49% |
17.8% |
|
|
17 months |
0.9% |
18.9% |
So the Barclaycard Platinum is the clear top card based on this criteria. However, there are plenty of other options to choose from.
Paying an even smaller fee
While a balance transfer fee of 1.5% is pretty small, you can actually find cards offering even tinier transfer fees. The trade-off is that you’ll have to accept a shorter 0% period. If you can pay off your debt a little quicker, these cards are likely to work out cheaper for you.
|
Card |
0% period |
Balance transfer fee |
Representative APR |
|
12 months |
0.75% |
18.9% |
|
|
12 months |
0.79% |
19.9% |
|
|
15 months |
0.8% |
17.9% |
|
|
TSB Platinum |
15 months |
0.8% |
17.9% |
|
15 months |
0.8% |
17.9% |
|
|
12 months |
0.85% |
18.9% |
|
|
15 months |
0.9% |
16.9% |
|
|
15 months |
0.9% |
16.9% |
So if you can clear your credit card debt within a year you can take advantage of a 0.75% fee via the Fluid Low Fee card, half that of the Barclaycard 25-Month Platinum card.
I need a longer 0% period!
Borrowers have never had so much choice when it comes to lengthy 0% periods. So if 25 months isn’t long enough for you to clear your debt, there are a number of cards offering even more time free of interest. Unsurprisingly, the trade-off is you will have to pay a higher transfer fee with these cards.
|
Card |
0% period |
Balance transfer fee |
Representative APR |
|
30 months |
2.89% |
18.9% |
|
|
29 months |
2.49% |
18.9% |
|
|
29 months |
2.89% |
18.9% |
|
|
29 months |
3% |
18.9% |
|
|
29 months |
2.9% |
18.9% |
|
|
28 months |
2.89% |
18.9% |
|
|
28 months |
2.45% |
18.9% |
|
|
28 months |
2.99% |
18.9% |
|
|
28 months |
2.99% |
18.9% |
|
|
26 months |
2.4% |
15.9% |
|
|
26 months |
2.4% |
17.9% |
|
|
26 months |
2.99% |
17.9% |
*Only available to existing current account holders
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