How long do 0% balance transfer offers last?
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In short: Typically 12 to 29 months in 2026, then the standard APR applies to any remaining balance. A transfer fee of 2%–4% of the amount moved is usually added upfront.
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Pay off the full transferred balance before the 0% ends to avoid high revert rates. Do not spend on the card unless it also has a 0% purchase offer — payments often clear the promotional balance first.
One fee is cheaper than multiple small transfers. Check minimum repayments so you do not miss payments and lose the offer.
See balance transfer cards explained and credit card payoff calculator.
Primary source: legislation.gov.uk/ukpga/1974/39
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