Your initial purchase:
Pay back over:
Pay back each month:
Barclaycard Platinum With Balance Transfer (33 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 33 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. 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 32 months
2.69% fee
0% for 3 months18.9%
0% on money transfers for 32 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).
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).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.9% 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).
MBNA Everyday Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 21 months
1.5% fee
0% for 13 months14.9%
0% on money transfers for 21 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 14.9% p.a.(variable) so if you spend £1,200 your representative APR will be 14.9% (variable).
Halifax Balance Transfer Credit Card (30 Mths) - Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 30 months
2.5% fee
0% for 6 months18.9%
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).
Tesco Bank Clubcard Credit Card with No BT Fee
Balance TransfersPurchasesRepresentative APR
0% for 10 months0% for 10 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 (24 Mths) - Semi Ex
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).
Tesco Bank Clubcard Credit Card for Purchases
Balance TransfersPurchasesRepresentative APR
0% for 3 months
2.9% fee
0% for 19 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).
Barclaycard Platinum Purchase
Balance TransfersPurchasesRepresentative APR
0% for 19 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).
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).
Barclaycard Platinum With Balance Transfer (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.64% fee
0% for 6 months18.9%
A fee of 3.5% will be applied, then reduced to 2.68% 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).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 25 months
1.99% 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).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 31 months
2.89% fee
0% for 6 months18.9%
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).
Lloyds Bank Platinum Balance Transfer Card (10 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 10 months
0.4% fee
0% for 10 months18.9%
Balance transfer fee refund - refunds part of a 3% fee so overall a 0.70% fee is payable.
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).
Halifax Balance Transfer Credit Card (24 Mths) - Semi Excl
Balance TransfersPurchasesRepresentative APR
0% for 24 months
1.5% fee
0% for 3 months18.9%
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).
Sainsbury's Bank Nectar Low BT Fee Credit Card
Balance TransfersPurchasesRepresentative APR
0% for 12 months
0.5% fee
0% for 12 months18.9%
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).
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).
Lloyds Bank Platinum Balance Transfer Card (32 Mths)
Balance TransfersPurchasesRepresentative APR
0% for 32 months
2.8% fee
0% for 6 months18.9%
An initial 3.5% fee applies; refunded by 0.7% within 90 days, so the effective fee is 2.8%.
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 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).

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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 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.

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