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.
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Compare the Best 0% Interest Credit Cards

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Balance Transfer Rate & PeriodIntro Purchase Rate & PeriodAdditional InformationSearch all243 Credit Cards
 
Virgin Money

Virgin All Round Credit Card MasterCard
0.0% for 24 months from date of card issue.0.0% for 24 months.
  • 0% on purchases and balance transfers for 24 months
  • High rate for cash withdrawals
  • Contactless payments up to £20
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Santander

123 Credit Card MasterCard
0.0% for 23 months from date of card issue.0.0% for 23 months.
  • 3% cashback on fuel/train fares, capped at £300 pm
  • Annual fee of £24
  • 1% on supermarket & 2% on department store.
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 12.7% variable per annum for purchases. Annual fee of £24 applies. Representative 16.5% APR variable. 
MBNA Limited

MBNA Everyday 20/20 Credit Card Visa
0.0% for 20 months from date of card issue.0.0% for 20 months.
  • Low introductory balance transfer fee of 1.50%
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
TSB

Platinum Purchase MasterCard
0.0% for 20 months from date of card issue.0.0% for 20 months.
  • 0% for 20 months on purchases and balance transfers
  • Rates dependent on credit rating
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.94% variable per annum for purchases. Representative 18.9% APR variable. 
AA

Dual Credit Card MasterCard
0.0% for 20 months from date of card issue.0.0% for 20 months.
  • 0% on purchases and balance transfers for 20 months
  • No online fraud guarantee
  • Max balance transfer - credit limit less £200
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Lloyds Bank

Online Platinum 19 Month Balance Transfer MasterCard
0.0% for 19 months from date of card issue.0.0% for 19 months.
  • Balance transfer fee of 1%
  • Can't change payment due date
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.94% variable per annum for purchases. Representative 18.9% APR variable. 
Halifax

Online All in One Credit Card MasterCard
0.0% for 19 months from date of card issue.0.0% for 19 months.
  • Balance transfer fee of 1%
  • Rates dependent on credit rating
  • To keep promo rate you must pay at least the min payment.
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Bank of Scotland

Platinum Online 19 Month Balance Transfer MasterCard
0.0% for 19 months from date of card issue.0.0% for 19 months.
  • Balance transfer fee 1.0%
  • £5 charge if you need to change payment due date
  • Manage your card online
Details...
Go to Site
 
  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 Purchase Credit Card MasterCard
0.0% for 19 months from date of card issue.0.0% for 19 months.
  • Earn Nectar points for spending on your card
  • No Contactless payments
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Post Office Money®

Post Office Money Matched MasterCard
0.0% for 16 months from date of card issue.0.0% for 16 months.
  • Emergency card replacement
  • No Contactless payments
  • Manage your account online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Barclaycard

Platinum Purchase and Balance Transfer Visa
0.0% for 16 months from date of card issue.0.0% for 16 months.
  • Combination 0% on purchases and balance transfer
  • Can't change payment due date
  • Contactless payments up to £20
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Santander

Credit Card MasterCard
0.0% for 15 months from date of transfer.0.0% for 15 months.
  • 24 hour customer service
  • No balance transfers from Santander Group cards
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Compare
Last Updated: Friday 28 August 2015 17:49

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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