Compare Interest Free Credit Cards
Compare the best interest free credit cards available in the UK at a glance and find the best 0% interest credit card offers in seconds whether you're looking for interest free balance transfers or interest free purchases. Our interest free credit card comparison tables make it easy for you to find the best zero interest credit card deal.
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| Balance Transfer Intro | Purchase Intro | Representative APR | |||||||||||||||||||||||||||||||||||||||||||||||
| Rate | Duration | Fee | Rate | Duration | (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. Good credit customers. | |||||||||||||||||||||||||||||||||||||||||||||||||
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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Excellent information. Informative and concise - keep up the good work! Adrian |
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Alternative Credit Cards
You may want to compare the above credit cards with the following.
The Co-operative Bank Greenpeace Standard Visa
- Annual fee of £0 is available with Greenpeace Standard Visa.
- £0 minimum balance transfer fee is offered to new customers.
- You get 18.9% purchase rate AER from the Greenpeace Standard Visa.
- You get 0 percent monthly balance transfer intro rate from The Co-operative Bank.
- Unlimited maximum intro balance transfer fee.
- Customers get 18.9% average balance transfer rate from this credit card.
- 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).
First Trust Credit Card Option 1
- Mthly balance transfer intro rate of 1.453% is available.
- Get a maximum cashback rate of 0.5%.
- Purchase interest rate AER of 18.9%.
- 1.453 percent mthly purchase intro rate is available.
- 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).
Smile Gold Visa (non Current Account holders)
- Monthly balance transfer rate of 1.456% is available with the credit card.
- Yearly fee of £0 is offered.
- 18.9 percent purchase interest rate AER.
- This credit card offers an average balance transfer rate of 18.9 percent.
- You enjoy £0 maximum balance transfer fee from Smile.
- Customers get 18.9 percent representative APR from the credit card.
- 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 Tesco Clubcard Credit Card
- A 1.408% mthly balance transfer rate is available.
- Customers enjoy 0% initial balance transfer rate from this credit card.
- A £0 yearly fee is offered.
- Customers can get £0 minimum balance transfer fee.
- 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).
The Co-operative Bank RSPB Fixed Rate Platinum Visa
- New customers have the benefit of 0 percent bal transfer fee from the RSPB Fixed Rate Platinum Visa.
- A purchase interest rate AER of 11.9% is available from The Co-operative Bank.
- The Co-operative Bank offers mthly balance transfer rate of 0.945%.
- A maximum balance transfer fee of £0 is available from The Co-operative Bank.
- Representative APR of 12.9 percent is available.
- Max purchase protection cover of £3,500 is offered.
- Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Northern Bank Standard Visa Credit Card
- 1.73% monthly balance transfer rate is available with the credit card.
- You enjoy £0 over cut off point charge from Northern Bank.
- This Northern Bank Standard Visa Credit Card has 5 months initial balance transfer window.
- £0 minimum initial balance transfer fee is offered to new customers.
- Enjoy an initial balance transfer window of 5 months.
- Customers can enjoy 0 percent introductory purchase rate.
- Representative Example: The annual purchase rate is 22.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.9% (variable).
Virgin Charity Credit Card
- New customers will get monthly balance transfer intro rate of 0.71 percent.
- 0.8% std cashback rate is offered.
- Representative APR of 12.9% is available.
- You benefit from 2% intro balance transfer fee from Virgin.
- 12.9% purchase interest AER is available.
- Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
