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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
Compare Up to 3 products side by side		Balance Transfer Rate & Period	Intro Purchase Rate & Period	Additional Information	Search all201 Credit Cards

	MBNA Limited MBNA All Round 30/30 Credit Card Visa	0.0% for 30 months from date of card issue.	0.0% for 30 months.	0% on purchases and balance transfers for 30 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 19.9% variable per annum for purchases. Representative 19.9% APR variable.
	Sainsbury's Bank Dual Offer Credit Card MasterCard	0.0% for 30 months from date of card issue.	0.0% for 30 months.	0% for 30 months for both balance transfers & purchases 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 30 months from date of card issue.	0.0% for 30 months.	0% on purchases and balance transfers for 30 months Rates dependent on credit rating Manage your account 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.
	Santander Everyday Credit Card MasterCard	0.0% for 30 months from date of transfer.	0.0% for 30 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.
	Lloyds Bank Platinum 29 Month Purchase and Balance Transfer MasterCard	0.0% for 29 months from date of card issue.	0.0% for 29 months.	Balance transfer fee of 2.5% Rates dependent on credit rating 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 29 Month Purchase and Balance Transfer MasterCard	0.0% for 29 months from date of card issue.	0.0% for 29 months.	Emergency card replacement £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.
	Halifax Online Balance Transfer and Purchase Credit Card MasterCard	0.0% for 29 months from date of card issue.	0.0% for 29 months.	Balance transfer fee of 2.5% 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 28 months from date of card issue.	0.0% for 28 months.	% on balance transfers for 28 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 27 Month All Round Credit Card MasterCard	0.0% for 27 months from date of card issue.	0.0% for 27 months.	Introductory balance transfer and purchase term of 27 months High rate for cash withdrawals 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.
	HSBC Dual Credit Card Visa	0.0% for 26 months from date of transfer.	0.0% for 26 months.	0% balance transfers and purchases for 26 months Rates dependent on credit rating Manage your card online	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.
	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 19.9% variable per annum for purchases. Representative 19.9% APR variable.
	M&S Bank Shopping Plus 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.
Compare Last Updated: Saturday 21 October 2017 00:17

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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Compare the best 0% interest credit cards