The longest deals on the market (up to 39 months at the time of publishing) also tend to come with the heftiest fees, often in excess of 3%.
While these are still far cheaper than letting debt rack up costly interest, there is an even better option out there for those able to pay off their debt in under 30 months.
Fee-free balance transfer cards allow you to move debt without paying a penny. The catch? The 0% periods on offer are understandably shorter.
In this article, we look at the handful of truly free balance transfer cards on the market.
The best cards available right now
0% period on balance transfers
Representative APR after 0% period ends
TSB Platinum 28 Month Balance Transfer Credit Card*
As you can see, Halifax leads the way on 29 months, but the recently-launched TSB Platinum card isn't far behind.
Note that you have to switch your debt within 30 days of opening the account or TSB will hit you with a sneaky 0.5% fee on this particular card.
Will I get the headline rate?
As you can imagine, you've got to have a stellar credit rating to get the best deal.
If your score is poor, it's a better idea to give it a boost. Find out more at How to build an excellent credit history.
Lowest fee vs longest 0% period: finding the right balance
If you are certain that you can clear your debt within that two-year window, then one of these balance transfer credit cards are worth going for as they'll always be cheapest.
The second category of cards are those that offer the longest 0% balance transfer window, but you have to pay a hefty fee up front for the privilege.
Those who have a fair chunk of debt to pay off might want to consider the latter.
Whichever you go for, make sure you can make the minimum repayments on time and in full every month otherwise you'll be hit with fees that will negate any benefit that comes with the card.