Compare the best 0% interest credit cards - moneyfacts.co.uk

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 all209 Credit Cards
 
Sainsbury's Bank

Nectar Dual Offer Credit Card MasterCard
0.0% for 27 months from date of card issue.0.0% for 27 months.
  • 0% for 27 months for both balance transfers & purchases
  • No Contactless payments
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
AA

Dual Credit Card MasterCard
0.0% for 26 months from date of card issue.0.0% for 26 months.
  • 0% on purchases for 26 months
  • Rates dependent on credit rating
  • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Ltd is a credit broker and not a lender
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. 
Halifax

Balance Transfer and Purchase Credit Card MasterCard
0.0% for 26 months from date of card issue.0.0% for 26 months.
  • Balance transfer fee of 2.95%
  • 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. 
nuba

All Round Credit Card MasterCard
0.0% for 26 months from date of card issue.0.0% for 26 months.
  • % on balance transfers for 26 months
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
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. 
Virgin Money

Virgin All Round Credit Card MasterCard
0.0% for 25 months from date of card issue.0.0% for 25 months.
  • 0% on purchases and balance transfers for 25 months
  • High rate for cash withdrawals
  • Contactless payments up to £30
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 25 months from date of card issue.0.0% for 25 months.
  • Combination 0% on purchases and balance transfer
  • Can't change payment due date
  • Contactless payments up to £30
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. 
MBNA Limited

MBNA All Round Aggregator 25/25 Credit Card Visa
0.0% for 25 months from date of card issue.0.0% for 25 months.
  • Combination 0% on purchases and balance transfers for 25 months
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
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. 
M&S Bank

MasterCard
0.0% for 25 months from date of transfer.0.0% for 25 months.
  • Earn 1 point for every £1 spent at M&S
  • Rates dependent on credit rating
  • Emergency cash service available
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. 
Bank of Ireland UK

Matched MasterCard
0.0% for 24 months from date of card issue.0.0% for 24 months.
  • 0% on balance transfers for 24 months
  • High cash advance rate
  • Max balance transfer - credit limit less £200
Details... 
  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

Platinum 24 Month Purchase and Balance Transfer MasterCard
0.0% for 24 months from date of card issue.0.0% for 24 months.
  • Balance transfer fee of 2.5%
  • 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. 
Bank of Scotland

Platinum 24 Month Balance Transfer MasterCard
0.0% for 24 months from date of card issue.0.0% for 24 months.
  • Balance transfer fee of 2.5%
  • £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. 
TSB

Platinum 20 Month Purchase MasterCard
0.0% for 20 months from date of card issue.0.0% for 20 months.
  • 0% for 20 months on purchases
  • Subject to status and lending criteria
  • 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. 
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Last Updated: Friday 9 December 2016 08:48

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:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. 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.

 

 

 
 

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