Compare 0% Interest Credit Cards

Compare the best 0% interest credit cards available in the UK and see which of the best zero percent credit card offers will work best for your circumstances at a glance. Whether you're looking for credit cards with 0% interest on purchases or balance transfers, our 0% interest credit card comparison table makes it easy to find the best deals in seconds.
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Barclaycard Platinum With Balance Transfer (31 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.99% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.99% by a refund. Plus an additional £20 fee refund on balance transfers over £2,000. Terms and conditions apply.
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).
 
MBNA Platinum Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.89% fee
0% for 3 months18.9%
0% on money transfers for 30 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 2014.
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).
 
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.9% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
MBNA Everyday Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 18 months
1.5% fee
0% for 8 months13.9%
0% on money transfers for 18 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 2014.
Representative Example: The annual purchase rate is 13.9% p.a.(variable) so if you spend £1,200 your representative APR will be 13.9% (variable).
 
Halifax Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 28 months
2.45% fee
0% for 6 months18.9%
The APR and length of the promotional offer are dependent on your personal circumstances.
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Barclaycard Platinum With Balance Transfer (30 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.89% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.89% by a refund. Plus an additional £20 fee refund on balance transfers over £2,000. Terms and conditions apply.
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).
 
Virgin Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 29 months
2.99% fee
0% for 6 months18.9%
0% on money transfers for 29 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.
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).
 
Sainsbury's Bank Nectar Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 16 months
3% fee
0% for 16 months16.9%
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 16.94% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
 
Tesco Bank Clubcard Credit Card with Low APR
Balance TransfersPurchasesRepresentative APR
0% for 3 months0% for 3 months7.8%
There is a 0.00% handling fee for balances transferred during the first 3 months from account opening.
Representative Example: The annual purchase rate is 7.84% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
 
Post Office Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 18 months
2.98% fee
0% for 3 months17.8%
0% commission on purchases made overseas.
Representative Example: The annual purchase rate is 17.8% p.a.(variable) so if you spend £1,200 your representative APR will be 17.8% (variable).
 
Tesco Bank Clubcard Credit Card with Low BT Fee
Balance TransfersPurchasesRepresentative APR
0% for 12 months
0.65% fee
0% for 12 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Santander Low Balance Transfer Fee Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 17 months
0.9% fee
0% for 3 months18.9%
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).
 
Tesco Bank Clubcard Credit Card for Purchases
Balance TransfersPurchasesRepresentative APR
0% for 3 months
2.9% fee
0% for 18 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Bank of Scotland Platinum Balance Transfer Card
Balance TransfersPurchasesRepresentative APR
0% for 24 months
1.5% fee
0% for 3 months17.9%
The APR and length of the promotional offer are dependent on your personal circumstances.
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
Barclaycard Platinum Purchase
Balance TransfersPurchasesRepresentative APR
0% for 18 months
2.49% fee
0% for 14 months18.9%
A fee of 2.9% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
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).
 
Santander Purchase Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 9 months
3% fee
0% for 18 months18.9%
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).
 
TSB Platinum Balance Transfer Card - 28 Mths
Balance TransfersPurchasesRepresentative APR
0% for 28 months
3% fee
0% for 3 months18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Lloyds Bank Platinum Balance Transfer Card (24 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 24 months
1.5% fee
0% for 3 months17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
Lloyds Bank Platinum Purchase Card
Balance TransfersPurchasesRepresentative APR
0% for 13 months
1% fee
0% for 13 months17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
TSB Platinum Purchase Card
Balance TransfersPurchasesRepresentative APR
0% for 13 months
1% fee
0% for 13 months17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (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.

Number One Piggy Banks

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 0 interest balance transfer credit cards.

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.

Therefore, if you are looking for a credit card 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 installment, 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.

Credit Card Comparison

Alternative Credit Cards

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

Bank of Scotland Student Credit Card

  • Bank of Scotland offers std balance transfer rate of 19.95%.
  • Customers get 19.9% representative APR from Bank of Scotland.
  • New customers will get minimum balance transfer fee of 0.
  • 20.0 percent cash advance rate.
  • 19.95% purchase rate AER is available with Student Credit Card.
  • This Student Credit Card has a balance transfer fee of 3%.
  • Representative Example: The annual purchase rate is 19.95% p.a.(variable) so if you spend 1,000 your representative APR will be 19.9% (variable).

AA Rewards Credit Card

  • 16.9% representative APR is offered to new customers.
  • 3% initial balance transfer fee is available with the credit card.
  • Customers can enjoy unlimited cash advance limit.
  • Customers will get mthly balance transfer intro rate of 0 percent.
  • Get a monthly money transfer intro rate of 0 percent from this Rewards Credit Card.
  • Yearly fee of 0 is available with the credit card.
  • 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).

Miles & More Credit Card (Amex)

  • Limitless max intro balance transfer fee is available.
  • You have the benefit of 16.9 percent purchase rate AER from the Credit Card (Amex).
  • 3 months intro purchase duration.
  • Customers get 12 months initial balance transfer duration from the Credit Card (Amex).
  • Customers get representative APR of 16.9 percent.
  • 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).

Nationwide Credit Card (Balance Transfer)

  • Get unlimited maximum intro balance transfer fee.
  • Customers can get intro balance transfer rate of 0%.
  • Initial balance transfer fee of 2.4% is offered.
  • New customers take advantage of 26 months intro balance transfer duration from this credit card.
  • 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).

Nectar Business Credit Card

  • An unlimited maximum annual turnover is offered.
  • Customers have the benefit of 0 minimum annual turnover from the credit card.
  • Benefit from a minimum trading period of 0 yrs.
  • Get representative APR of 19.9 percent.
  • Representative Example: 19.9% APR representative variable. Based on 1,200 credit limit & annual purchase rate 19.9% p.a. variable.

Clydesdale Bank Business Card

  • Get 1.313 percent monthly purchase rate from Clydesdale Bank.
  • Minimum trading period of 0 years is available.
  • You enjoy limitless maximum annual turnover.
  • Business Card offers a cash loan rate of 27.9 percent.
  • 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).

Lloyds Bank Business Credit Card Ex/C

  • New customers have the benefit of 0 minimum yearly turnover from the credit card.
  • You get representative APR of 22.4%.
  • Enjoy 16.3 percent cash advance rate.
  • Minimum trading duration of 1 years.
  • Representative Example: 22.4% APR representative variable. Based on 1,200 credit limit & annual purchase rate 16.3% p.a. variable.

Barclaycard Cashback Business Credit Card

  • Minimum trading time of 0 years is offered.
  • Get limitless max cashback spend.
  • Introductory purchase rate of 0% is available to you.
  • Customers get 25.1% representative APR from the Cashback Business Credit Card.
  • Minimum money back rate of 0.5 percent is offered with Cashback Business Credit Card.
  • The credit card offers limitless maximum annual turnover.
  • Representative Example: If you spend 1,500 at a purchase interest rate of 19.9% (variable) with a 32 annual Fee your Representative APR will be 25.1% (variable).