Compare the best 0% interest credit cards

  - Find a single card with 0% on balance transfers and purchases. Great if you don’t want two separate cards for spending & repaying debt.
Also look at:

Compare the Best 0% Interest Credit Cards

Compare
Up to 3 products
side by side
Balance Transfer Rate & PeriodIntro Purchase Rate & PeriodAdditional InformationSearch all220 Credit Cards
 
Sainsbury's Bank

Nectar Credit Card MasterCard
0.0% for 16 months from date of card issue.0.0% for 16 months.
  • Earn Nectar points for spending on your card
  • No Contactless payments
  • Manage your card online
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.94% variable per annum for purchases. Representative 16.9% APR variable. 
Halifax

All in One Online MasterCard
0.0% for 15 months from date of card issue.0.0% for 15 months.
  • Emergency card replacement
  • Rates dependent on credit rating
  • The APR and length of promotional offer are dependent on personal circumstances
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Representative 17.9% APR variable. 
Lloyds Bank

Platinum Purchase Online MasterCard
0.0% for 13 months from date of card issue.0.0% for 13 months.
  • 24 hour customer service
  • Can't change payment due date
  • Manage your card online
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Representative 17.9% APR variable. 
TSB

Platinum Purchase MasterCard
0.0% for 13 months from date of card issue.0.0% for 13 months.
  • Balance transfer fee 1%, increased to 3% after 90 days
  • Rates dependent on credit rating
  • Manage your card online
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Representative 17.9% APR variable. 
Bank of Scotland

Platinum Purchase Online MasterCard
0.0% for 13 months from date of card issue.0.0% for 13 months.
  • Emergency card replacement
  • £5 charge if you need to change payment due date
  • Manage your card online
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Representative 17.9% APR variable. 
Lloyds Bank

Choice Rewards Amex/MasterCard
0.0% for 13 months from date of card issue.0.0% for 13 months.
  • Double Choice points or Avios in the first 6 months
  • Rates dependent on credit rating
  • Receive both a MasterCard and an American Express
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Annual fee of £24 applies. Representative 22.7% APR variable. 
Sainsbury's Bank

Nectar Low Balance Transfer Fee Credit Card MasterCard
0.0% for 12 months from date of card issue.0.0% for 12 months.
  • Low BT fee of 0.5%
  • No Contactless payments
  • Manage your card online
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Sainsbury's Bank

Nectar Low Balance Transfer Fee Credit Card MasterCard
0.0% for 12 months from date of card issue.0.0% for 12 months.
  • Low BT fee of 0.5%
  • No Contactless payments
  • Manage your card online
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Tesco Bank

Clubcard No Balance Transfer Fee Credit Card MasterCard
0.0% for 10 months from date of transfer.0.0% for 10 months.
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • No fees on Tesco travel money
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.941% variable per annum for purchases. Representative 18.9% APR variable. 
SAGA

Over 50's Platinum Visa
0.0% for 9 months from date of transfer.0.0% for 9 months.
  • Discounts within the Saga travel group
  • No transfers from other Allied Irish Bank cards
  • Emergency cash service available
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 11.9% variable per annum for purchases. Representative 11.9% APR variable. 
John Lewis Financial Services


John Lewis and Waitrose partnership MasterCard
0.0% for 6 months from date of card issue.0.0% for 6 months.
  • Earn 1 point per £1 spent in John Lewis partnership
  • No balance transfers from HSBC Group cards
  • Reward vouchers issued February, June and October
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
Danske Bank


Danske Visa
0.0% for 5 months from date of transfer.0.0% for 5 months.
  • Have up to 3 additional cardholders
  • Can't change payment due date
  • Single rate for balance transfers and purchases
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable. 
Tesco Bank

Clubcard Credit Card with Low APR MasterCard
0.0% for 3 months from date of transfer.0.0% for 3 months.
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • No fees on Tesco travel money
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 7.84% variable per annum for purchases. Representative 7.8% APR variable. 
Compare
Last Updated: Sunday 31 August 2014 00:19

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.

Moneyfacts.co.uk Limited is an independent credit broker. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

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How do 0% credit cards work?

Mostly, the headline-grabbing credit cards are those that offer either a long 0% deal on balance transfers or purchases. Whilst these cards are great, if you need to transfer a balance and spend on a credit card you’re left with the options of using two different credit cards, or paying some interest on your purchase or transferred balance.

The 0% credit cards shown in this section offer 0% deals on both purchases and balance transfers. This means that you wouldn’t pay interest on new spending you make on the card, or any balance you transfer, for a set period.

Is a 0% credit card right for you?

Combined 0% credit cards might be suitable for you if you need to both transfer a balance and make purchases using your card.

If you only need to transfer a balance, you may find that a standalone 0% balance transfer credit card offers a longer 0% period than can be found on a combined card. Likewise, if you have no existing credit card debt and want a credit card just for spending on, a 0% purchase credit card might be more suitable.

If you pay off your balance in full every month then the 0% period will not be of interest to you. That’s because most cards give you a grace period of up to two months before they charge interest on purchases. So if this is how you manage your credit card, consider a card that will give you something back like a rewards or cashback credit card.

 

 

 
International Money Transfers Based on £10,000 into Euros

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