0% Credit Cards

Compare 0% credit cards with uSwitch. Our simple comparison tool will find the right interest free credit card for you. Apply online today.

Although there are no credit cards with 0% interest rate that lasts forever, uSwitch can help you find a credit card with an introductory 0% deal on purchases and/or balance transfers. Find out more about 0% credit cards.

Card below ordered by combined duration of 0% balance transfer and purchase.

Top five cards

  1. 0 Virgin Money Credit Card MasterCard

    Virgin Money Credit Card MasterCard

    16.8% APR

    0.0% balance transfer for 20 months (2.99% fee)

    0.0% on purchases for 3 months

  2. 1 Halifax Balance Transfer Credit Card MasterCard

    Halifax Balance Transfer Credit Card MasterCard

    17.9% APR

    0.0% balance transfer for 22 months (3.50% fee)

    0.0% on purchases for 3 months

  3. 2 Virgin Money All Round Credit Card MasterCard

    Virgin Money All Round Credit Card MasterCard

    15.8% APR

    0.0% balance transfer for 16 months (1.99% fee)

    0.0% on purchases for 6 months

  4. 3 HSBC Existing C/Acc CC Visa

    HSBC Existing C/Acc CC Visa

    17.9% APR

    0.0% balance transfer for 23 months (3.30% fee)

    0.0% on purchases for 3 months

  5. 4 Barclaycard Platinum Extended Bal Transfer Visa

    Barclaycard Platinum Extended Bal Transfer Visa

    17.9% APR

    0.0% balance transfer for 22 months (2.90% fee)

    0.0% on purchases for 3 months

Compare cards

  • 12.9% APR

    Nationwide BS Select Credit Card Visa Nationwide BS

    • 0.0% balance transfer for 17 months (2.95% fee)
    • 0.0% on purchases for 18 months

    features

    • 0.0% balance transfer for 17 months (2.95% fee)
    • 0.0% on purchases for 18 months
    • Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.

    rates

    • Introductory rate 0.0% for 18 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 17 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is available to existing customers
    • Minimum income of £5000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

  • 17.9% APR

    HSBC Existing C/Acc CC Visa HSBC

    • 0.0% balance transfer for 23 months (3.30% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 23 months (3.30% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 23 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 1.809%, Yearly rate 23.9%

    eligibility

    • Is available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £5

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 23.9% Interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is highest.
    • Repayment terms: Your payment is allocated to Cash Advances, then Purchases and standard rate Balance Transfers and lastly Promotional rate Purchase and Balance Transfers.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    RBS YourPoints World MasterCard Royal Bank of Scotland

    • 0.0% balance transfer for 13 months (2.90% fee)
    • 0.0% on purchases for 13 months

    features

    • 0.0% balance transfer for 13 months (2.90% fee)
    • 0.0% on purchases for 13 months
    • Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter.

    rates

    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £10

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    NatWest Platinum Credit Card MasterCard NatWest

    • 0.0% balance transfer for 20 months (2.90% fee)
    • 0.0% on purchases for 6 months

    features

    • 0.0% balance transfer for 20 months (2.90% fee)
    • 0.0% on purchases for 6 months

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 20 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £10

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    RBS Platinum Credit Card MasterCard Royal Bank of Scotland

    • 0.0% balance transfer for 20 months (2.90% fee)
    • 0.0% on purchases for 6 months

    features

    • 0.0% balance transfer for 20 months (2.90% fee)
    • 0.0% on purchases for 6 months

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 20 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £10000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £10

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 18.9% APR

    Virgin Money Purchase Credit Card MasterCard Virgin Money

    • 0.0% balance transfer for 13 months (2.89% fee)
    • 0.0% on purchases for 13 months

    features

    • 0.0% balance transfer for 13 months (2.89% fee)
    • 0.0% on purchases for 13 months
    • 10% of Virgin Holidays 1 month free at Virgin Active* up to 50 days interest free on your card purchases (as long as you pay your statement balance in full

    rates

    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 13 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.0751%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.

    Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

  • 17.9% APR

    Barclaycard Platinum Extended Bal Transfer Visa Barclaycard

    • 0.0% balance transfer for 22 months (2.90% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 22 months (2.90% fee)
    • 0.0% on purchases for 3 months
    • fee from 2.9% With Barclaycard Freedom

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 22 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    Halifax Balance Transfer Credit Card MasterCard Halifax

    • 0.0% balance transfer for 22 months (3.50% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 22 months (3.50% fee)
    • 0.0% on purchases for 3 months
    • Maximum Balance Transfer amount is £3,000

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 22 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 16.9% APR

    Tesco Bank Clubcard Credit Card MasterCard Tesco Bank

    • 0.0% balance transfer for 9 months (2.90% fee)
    • 0.0% on purchases for 15 months

    features

    • 0.0% balance transfer for 9 months (2.90% fee)
    • 0.0% on purchases for 15 months
    • 1 point awarded per £4 spent in each purchase transaction (£4 min), plus additional points on Tesco spend. 1 point awarded per £1 spent on fuel at Tesco Petrol Filling Stations (excludes Esso Fuel) plus 1 extra point for every £4 spent. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Cardholders can take advantage of Tesco's exclusive Buy Now Pay Later offers through Tesco Direct, whereby upon purchasing selected items over £250 with the Tesco Credit Card there is the potential to receive 0% interest free for 6 months on that purchase.

    rates

    • Introductory rate 0.0% for 15 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 9 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 1.873%, Yearly rate 24.942%

    eligibility

    • Is not available to existing customers
    • Minimum income of £5000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 24.94% The greater of: the total interest & default fees charged + 1% of the new balance (excluding 'Tesco Buy Now Pay Later' special offers) + any arrears; or £25 plus any existing arrears; or the amount you owe over your credit limit including over limit fees.
    • Repayment terms: When you pay us we use it to pay off first those items which attract the highest interest rates. If there is more than one item at the same rate we pay off the oldest one first. If your account is in arrears, we will pay off the arrears on your account (starting with the oldest) before we put it towards the amount due from your most recent statement. If you have 'Buy Now Pay Later' special offer items, we will use your payments to pay these off after we have paid off everything else on your account. If your account is in arrears, we will pay off the arrears on your account (starting with the oldest) before we put it towards the amount due from your most recent statement.

    Representative example: When you spend £1200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 16.9% APR

    Sainsbury's Finance Credit Card Nectar Holders MasterCard Sainsbury's Finance

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 12 months

    features

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 12 months

    rates

    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 1.872%, Yearly rate 24.93%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 24.93% Plus any amount over limit.
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest fees or insurance payment charged as a result of that transaction.

    Representative example: When you spend £1200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 17.9% APR

    Barclaycard Platinum Balance Transfer Visa Barclaycard

    • 0.0% balance transfer for 21 months (2.60% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 21 months (2.60% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 21 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 17.9% APR

    Bank of Scotland All in One MasterCard Bank of Scotland

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 12 months

    features

    • 0.0% balance transfer for 12 months (3.00% fee)
    • 0.0% on purchases for 12 months

    rates

    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 12 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 16.8% APR

    Virgin Money Credit Card MasterCard Virgin Money

    • 0.0% balance transfer for 20 months (2.99% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 20 months (2.99% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 20 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.0751%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.

    Representative example: When you spend £1200 at a rate of 16.8% (variable) per annum, your Representative APR is 16.8% APR (variable).

  • 16.9% APR

    Halifax 20 Month MasterCard Halifax

    • 0.0% balance transfer for 20 months (3.00% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 20 months (3.00% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 20 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 15.8% APR

    Virgin Money All Round Credit Card MasterCard Virgin Money

    • 0.0% balance transfer for 16 months (1.99% fee)
    • 0.0% on purchases for 6 months

    features

    • 0.0% balance transfer for 16 months (1.99% fee)
    • 0.0% on purchases for 6 months

    rates

    • Introductory rate 0.0% for 6 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 16 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.0751%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.

    Representative example: When you spend £1200 at a rate of 15.8% (variable) per annum, your Representative APR is 15.8% APR (variable).

  • 16.9% APR

    Bank of Scotland Plus MasterCard Bank of Scotland

    • 0.0% balance transfer for 18 months (3.00% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 18 months (3.00% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 18 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.95%

    eligibility

    • Is not available to existing customers
    • Minimum income of £0
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.95% Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

    Representative example: When you spend £1200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).

  • 15.9% APR

    Nationwide BS Credit Card Balance Transfer Visa Nationwide BS

    • 0.0% balance transfer for 17 months (2.95% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 17 months (2.95% fee)
    • 0.0% on purchases for 3 months
    • Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission. Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 17 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £5000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
    • Repayment terms: We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).

  • 18.9% APR

    Barclaycard Plat Bal Trf Low Handling Fee Visa Barclaycard

    • 0.0% balance transfer for 16 months (2.10% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 16 months (2.10% fee)
    • 0.0% on purchases for 3 months
    • Get a partial refund against the balance transfer fee of 0.5% down from 2.1% to 1.6%, when a transfer is made within 60 days of account opening (terms and conditions apply). The offer is valid for new customers applying for a Barclaycard and may be withdrawn at any time.

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 16 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £20000
    • 21 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Or any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
    • Repayment terms: If you don’t pay your statement balance in full each month, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. Any default charges will be repaid before the rest of the standard balance. If you have more than one promotional balance with the same interest rate, you’ll reduce the balance with the earliest expiry date first.

    Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).

  • 17.9% APR

    Lloyds TSB Online Platinum MasterCard Lloyds TSB

    • 0.0% balance transfer for 15 months (3.00% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 15 months (3.00% fee)
    • 0.0% on purchases for 3 months
    • Up to 56 days’ interest-free period on purchases if you pay your balance in full and on time each month.

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 15 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.075%, Yearly rate 27.9%

    eligibility

    • Is not available to existing customers
    • Minimum income of £15000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    • Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.

    Representative example: When you spend £1200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

  • 16.9% APR

    Post Office Platinum MasterCard Post Office®

    • 0.0% balance transfer for 14 months (2.98% fee)
    • 0.0% on purchases for 3 months

    features

    • 0.0% balance transfer for 14 months (2.98% fee)
    • 0.0% on purchases for 3 months

    rates

    • Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Introductory rate 0.0% for 14 months, Monthly rate 0.0%, Yearly rate 0.0%
    • Monthly rate 2.008%, Yearly rate 26.944%

    eligibility

    • Is not available to existing customers
    • Minimum income of £15000
    • 18 years minimum age
    • Is not available to applicants with County Court Judgements

    default charges

    • Exceeding personal limit subject to a handling fee of £12
    • Late payment subject to a handling fee of £12
    • Returned payment subject to a handling fee of £12

    charges

    • Interest fee on purchases: 0.0%
    • Cash withdrawal fee: 26.94% Or the full balance (if less than £5) OR 1% of the outstanding balance plus interest, plus fees, plus any insurance premium.
    • Repayment terms: Payments we receive will be applied by us against items charged to your account (which will include transactions, interest and any other fees and/or charges) in order of interest rate applicable, highest first.

    Representative example: When you spend £1200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

0% balance transfer credit cards

Many credit card companies offer interest free introductory periods on balance transfers, so you can transfer your debt and pay 0% interest for up to two years.

Many credit card providers charge a fee for transferring your balance - usually between 1% and 3% of your balance.

0% interest on purchases

Purchase credit cards offer rates of 0% on purchases and tend to last anywhere between three months and over a year. These cards can be a great way to spread the cost of an expensive purchase.

Once the introductory period ends, it's likely you'll be hit with a high interest rate, so make you're able to clear the debt before the 0% period is up.

Pay your balance on time and you will have a 0% credit card

Technically there is no such thing as a 0% credit card, but you can avoid paying interest by paying your credit card balance off in full before the due date. All credit cards offer an interest free period on purchases, which lasts up to 56 days, depending on the provider.

Check out the interest free period for purchases on the card you are interested in and make sure you pay your balance in full before the due date to avoid interest.