There's a new top long-term balance transfer credit card out this week. The Barclaycard Platinum card allows you to shift debts to it at 6.3% for three years with no fee.

To get the rate, you must move the debt within 60 days of account opening. If the balance transferred tops £5,000, the rest is charged at 6.9%. You must earn at least £10,000 a year, be over 21 and not hold another Barclaycard to get the plastic.

After three years, the interest jumps to the standard 12.4% APR.

The best non-Barclaycard long-term rate is via Capital One's Platinum card, which locks in debts at 6.9% until January 2012, with no fee, reverting to 15.9% APR. To stand a good chance of getting it, you'll need a decent credit history and be a homeowner earning over £20,000 a year.

For the best short-term 0% balance transfer deals, read our Best balance transfers guide.

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