Compare 0% Credit Cards

Compare all the 0% credit cards available in the UK at a glance with the help of our best 0% credit card offers comparison table and see which of the 0% credit card deals are right for your circumstances in seconds. We take the hassle out of finding the best 0% credit card whether you want to make an zero percent balance transfer or interest free purchases.
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Balance Transfer IntroPurchase IntroRepresentative APR  
RateDurationFeeRateDuration(Variable) 
Barclaycard
Platinum With BT (22 Mths)
0%
22
months
2.9%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
£30 fee refund when you transfer a balance of £2,500 or more (terms and conditions apply)
Virgin
Balance Transfer Credit Card
0%
20
months
2.99%0%
3
months
16.8%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable).
Barclaycard
Platinum Low BT Fee
0%
17
months
1.6%0%
3
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
2.1% Balance Transfer fee with a 0.5% refund, reduces this to equivalent of 1.6% for everyone (terms & conditions apply).
Virgin
All Round Credit Card
0%
16
months
1.99%0%
6
months
15.8%
Representative Example: The annual purchase rate is 15.8% p.a.(variable) so if you spend £1,200 your representative APR will be 15.8% (variable).
MBNA
Credit Card
0%
20
months
2.99%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Contactless Payments: You can now pay quickly and securely for purchases under £15 without entering your PIN.
Halifax
All in One Card MasterCard
0%
15
months
3%0%
15
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
The APR and length of the promotional offer are dependent on your personal circumstances
Sainsbury's Bank
 
Sainsbury's Credit Card (Nectar Card Holders Only)
0%
12
months
3%0%
12
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have a Nectar Card in order to apply for the Credit Card. Nectar points are NOT earned using this Credit Card
Halifax
Balance Transfer Card
0%
22
months
3.5%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
You must have an annual income of £20,000 or more to apply
Virgin
Purchase Credit Card
0%
13
months
2.89%0%
13
months
18.9%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Barclaycard
Platinum Purchase
0%
15
months
2.9%0%
15
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Barclaycard
Platinum With BT (21 Mths)
0%
21
months
2.6%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
3.2% Balance Transfer fee, 0.6% refund reduces this to equivalent of 2.6% (terms & conditions apply).
Halifax
Balance Transfer Card 20/3
0%
20
months
3%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have an annual income of £20,000 or more to apply.
Play.com
Credit Card
0%
6
months
1.5%0%
9
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening.
Nationwide
Credit Card (Balance Transfer)
0%
20
months
3.1%0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
0%
15
months
3%0%
6
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have a Nectar Card in order to apply for the Credit Card
NatWest
Platinum Card (Online)
0%
22
months
3.2%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
AA
Rewards Credit Card
0%
12
months
3%0%
10
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
Lloyds TSB
Platinum MasterCard
0%
15
months
3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
AA
Balance Transfer Credit Card
0%
16
months
2.9%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Long 0% period on balance transfers with competitive 2.9% fee, plus earn while you spend with a generous rewards scheme. Good credit customers.
Post Office
Platinum Card
0%
14
months
2.98%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
0% commission on purchases overseas
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money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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You provide excellent shopping vouchers and money off vouchers. The tips are also very good, informative and user friendly, well done!
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Credit Card Comparison

Alternative Credit Cards

You may want to compare the above credit cards with the following.

Barclaycard Flexi-Rate 10% Repay

  • A 3 percent introductory balance transfer fee is offered.
  • The credit card has a monthly balance transfer rate of 0.793%.
  • Get 60 days introductory balance transfer window.
  • This credit card has an introductory balance transfer rate of 0 percent.
  • Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 9.9% (variable).

Northern Bank Platinum Credit Card

  • Initial balance transfer rate of 0% is available to you.
  • A representative APR of 58.3% is available from Northern Bank.
  • 5 months introductory balance transfer window is available to you.
  • £0 maximum intro balance transfer fee is available with this credit card.
  • Representative Example: The annual purchase rate is 14.9% p.a.(variable) so if you spend £1,200 your representative APR will be 58.3% (variable)+£216 fee p.a

Bank of Ireland Student Visa Credit Card

  • You get 17.9% std balance transfer rate from this Student Visa Credit Card.
  • 1.385 percent monthly balance transfer intro rate is available with the credit card.
  • 17.9% purchase rate AER is available to new customers.
  • The credit card offers a representative APR of 17.9 percent.
  • Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £250 your representative APR will be 17.9% (variable).

MBNA RSPCA Visa Card

  • Get a mthly balance transfer rate of 1.4566 percent.
  • Unlimited maximum intro balance transfer fee.
  • 90 days initial balance transfer window is available.
  • 12 months intro balance transfer duration is offered to you.
  • Minimum introductory balance transfer fee of £3 is offered to new customers.
  • Intro balance transfer rate of 0%.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

Leeds Building Society Platinum Credit Card

  • Benefit from an introductory balance transfer window of 90 days from this credit card.
  • A £0 annual fee is offered.
  • This Leeds Building Society Platinum Credit Card has a 0 percent mthly purchase intro rate.
  • The Leeds Building Society Platinum Credit Card has £15,000 max cashback spend.
  • Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).

Nationwide Credit Card (Purchases)

  • You get 27.9 percent cash advance rate.
  • Credit Card (Purchases) offers a std balance transfer rate of 10 percent.
  • A 0 percent mthly purchase intro rate is available.
  • Benefit from no international charges from this Nationwide Credit Card (Purchases).
  • Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).