Best card for regular 0% offers?

MerseyLad

I’ve got a Barclaycard, Virgin and MBNA and regularly use them for large purchases and then transfer the balance to obtain the 0% offers. It’s worked well for a number of years but of late the Barclaycard offers have dried up, when historically they were probably the best of the 3.

Can anyone recommend another card that can replace the Barclaycard, that has regular 0% offers?

I mainly use it this time of year for our family holiday and for any large purchase in the year. So probably a max of 2 offers get utilised in a 12 month period.

Thanks in advance.
ML

Brie

I've had a steady supply of 0% offers from Santander and on my M&S CC.

The pain with Santander is that they won't raise my limit to anything very substantial and it's the best CC I have for non UK payments but that might not be an issue with whatever the offer now.

The nice thing about the M&S CC is it's the only one I've ever had that would allow 0% deals to be running and I could still use the card for day to day spending and just needed to ensure I pay off fully what I spent the previous month. The pain about it is that there's no where on the statement that tells you what portion of the balance is the 0% offer so, when I used that card I had to contact them every single month to find out how much I actually needed to pay. Even with a spreadsheet I rarely got the amount correct myself when you start having to consider refunds etc.

vacheron

I get regular 0% offers on a few of my cards including MBNA HSBC NatWest and Barclaycard, but over the last four or five months they’ve all been something really poor like 9-12 months but with a 3.5%+ balance transfer fee, so they’ve just been ignored.

In my experience, the only way to get a really good balance transfer rate or a really long interest free period is to cancel the card and reapply when they’re doing their next promotion.

HillStreetBlues

Natwest for me, most months I get a 0% offer (currently 21months @ 2.9%).

AntoMac

I’ve had the same from Nat West for a good while

Nasqueron

Barclaycard constantly offer me them, I found a use for the 6 month 0% £0 offer they had last couple of months

Santander still offer me BT to the end of my current offer

Halifax, HSBC both regularly offer me them but they aren't great

There is no "best" card because your circumstances are different to everyone

Nebulous2

It varies from person-to-person. MBNA used to be the best for me, but recently Barclaycard has been better. Currently a BT on offer for 22 months with a 2.9% fee.

I can't recall ever having one before, but I got an offer from Nationwide this month. They're offering 18 months on a BT for a 2.4% fee. Given they are currently offering a bond at 5% for 18 months, there is scope to make some money there.

WYSPECIAL

Barclaycard dried up for me a couple of years ago. Still get offers from MBNA and NatWest on a regular basis.