Your initial purchase:
Pay back over:
Pay back each month:
This comparison includes all credit cards that offer 0% balance transfers and purchases.
This comparison now shows 0% balance transfer & purchase cards that fit your criteria.
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Barclaycard Platinum With Balance Transfer (36 Mths) Semi-Excl
Balance transfers
0% for 36 months with a 2.39% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
You will pay back
£1,025.09 over 12 months
A fee of 3.5% will be applied, then reduced to 2.39% by a refund (terms and conditions apply)
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance transfers
0% for 35 months with a 2.7% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
You will pay back
£1,054.64 over 12 months
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Purchase Credit Card
Balance transfers
0% for 19 months with a 3% fee
Purchases
0% for 19 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
MBNA Everyday Credit Card
Balance transfers
0% for 22 months with a 1.75% fee
Purchases
0% for 16 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
0% on money transfers for 22 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2015.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card for Purchases
Balance transfers
0% for 3 months with a 2.9% fee
Purchases
0% for 21 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar No BT Fee Credit Card
Balance transfers
0% for 13 months with no fee
Purchases
0% for 13 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Barclaycard Platinum With Balance Transfer (35 Mths) Semi-Excl
Balance transfers
0% for 35 months with a 2.29% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
You will pay back
£1,025.09 over 12 months
A fee of 3.5% will be applied, then reduced to 2.29% by a refund (terms and conditions apply)
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (28 Mths)
Balance transfers
0% for 28 months with a 1.5% fee
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
Balance transfers
0% for 18 months with no fee
Purchases
0% for 1 month
Representative APR (variable)
18.9% APR
You will pay back
£1,081.40 over 12 months
No Balance Transfer fee. Earn Clubcard points wherever you use your card, plus your usual points in Tesco, Terms apply.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Balance transfers
0% for 34 months with a 2.89% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
You will pay back
£1,025.14 over 12 months
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Balance transfers
0% for 28 months with a 1.49% fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
You will pay back
£1,054.64 over 12 months
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (36 Mths)
Balance transfers
0% for 36 months with a 3% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
You will pay back
£1,025.14 over 12 months
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Yorkshire Bank Gold Credit Card
Balance transfers
0% for 12 months with a 3% fee
Purchases
0% for 20 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Lloyds Bank Platinum Balance Transfer Card (28 Mths)
Balance transfers
0% for 28 months with a 1.5% fee
Purchases
0% for 12 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Halifax All in One Credit Card
Balance transfers
0% for 19 months with a 1% fee
Purchases
0% for 19 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Clydesdale Bank Gold Credit Card
Balance transfers
0% for 12 months with a 3% fee
Purchases
0% for 20 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Barclaycard Platinum Purchase
Balance transfers
0% for 25 months with a 2.49% fee
Purchases
0% for 14 months
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
A fee of 3.5% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Lloyds Bank Avios Rewards Credit Card (Amex)
Balance transfers
0% for 28 months with a 3% fee
Purchases
0% for 12 months
Representative APR (variable)
23.7% APR
You will pay back
£1,024 over 12 months
No foreign transaction fees when using your cards abroad. Flight upgrade upon £7,000 spend per year. Double Avios points for the first 6 months on the Avios American Express Card.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.7% APR (variable). £24 annual fee.
Bank of Scotland Platinum Balance Transfer Card (16 Mths)
Balance transfers
0% for 16 months with no fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
You will pay back
£1,025.14 over 12 months
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with Low APR
Balance transfers
0% for 3 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
7.8% APR
You will pay back
£1,023.67 over 12 months
There is a 0.00% handling fee for balances transferred during the first 3 months from account opening.
Representative Example: The standard interest rate on purchases is 7.84% p.a. (variable), so if you borrow £1,200 the Representative APR will be 7.8% APR (variable).

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How to Find the Best 0% Interest Credit Cards

Lenders often get criticized for being the cause of huge debts by slapping eye-watering interest rates onto the credit cards they dish out to customers.

But what if you could borrow money and it didn't cost an extra penny - almost like a free loan?

By taking out a 0% interest credit card that is exactly what you are doing, but like any good deal, there are certain things you need to be aware of.

Here's a short guide to credit cards with 0 interest and how to get the best deal.

What to look out for with 0% Interest Credit Cards

0 percent interest credit cards offer a wonderful opportunity to clear debts much more quickly without having to fork out for interest charges.

But not all deals are created equal, even though they may all be billed as the same thing.

Firstly, the interest-free period can vary significantly, with anything from just 3 months on purchases to 26 months, or even longer in some cases. For many types of credit card 0 interest for 12 months is a fairly standard offering, lying somewhere in the middle.

For other types of credit card 0% interest for 24 months can be found, but this doesn't mean they represent the best deal.

Although the interest-free period could well be one of the most attractive features, if you are considering transferring a balance from an existing card, you will also need to consider whether any fees apply. Finding the card with the lowest fees and the longest possible interest-free period will offer the best value for money, so this is ultimately what you are looking for.

Therefore, if you are looking for a credit card with a 0% interest deal, it is a good idea to check out a comparison table. This will allow you to compare 0 interest free credit cards to find the most competitive package.

Beware of missed credit card payments

Credit cards which charge no interest for an introductory period can really help to reduce your debts but it's important to consider what will happen if you can't pay off everything you owe within that timescale.

You could always switch to another lender at the end of the period but as these offers aren't usually available for bad credit applicants, if you have any hiccups in your credit file in the meantime, you will probably be refused.

Many credit cards providers who offer 0 interest deals aren't quite as competitive when it comes to their standard charges so you need to factor this in when deciding which card to apply for.

The other thing to bear in mind is that if you miss any payments, are late or pay less than the minimum instalment, you will probably find that your 0% interest-free deal is automatically made void with immediate effect. It is therefore absolutely imperative that you pay what you owe and on time.

Finally, if you aren't sure whether a 0% interest free deal is right for you, a viable alternative could be a lifetime balance credit card. This offers a low rate of interest but is guaranteed to remain in place until you have paid off what you owe. For some people this could be a better option.

Featured guide

Credit card FAQs

Credit cards can be a cheap and flexible way to borrow money. But with so many different cards on the market, a host of rules and potentially high charges, you need to be on the ball.

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