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Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

  • Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017
  • 25 months 0% on balance transfers
  • Free access to your Experian credit report
More info
25
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
M&S Credit Card

M&S Credit Card

M&S Credit Card

  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore, 1 point per £5 spent elsewhere
  • 25 months 0% on balance transfers (2.9% fee)
More info
25
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Lloyds Bank Platinum 29 Month Purchase and Balance Transfer Credit Card

Lloyds Bank Platinum 29 Month Purchase and Balance Transfer Credit Card

Lloyds Bank Platinum 29 Month Purchase and Balance Transfer Credit Card

  • 29 months 0% on balance transfers
  • You may be eligible to apply for this as a second credit card. Terms apply
  • 2.5% transfer fee in first 90 days from account opening, 3% thereafter
More info
29
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank Purchase Credit Card

Tesco Bank Purchase Credit Card

Tesco Bank Purchase Credit Card

  • 0% on purchases for up to 20 months
  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
More info
20
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)
TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
More info
20
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Post Office Matched Credit Card

Post Office Matched Credit Card

Post Office Matched Credit Card

  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
  • 30 months 0% on balance transfers (2.75% fee)
More info
30
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Clydesdale Bank Gold MasterCard

Clydesdale Bank Gold MasterCard

Clydesdale Bank Gold MasterCard

  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
  • 12 months 0% on balance transfers (3% fee)
More info
26
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Yorkshire Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
  • 12 months 0% on balance transfers (3% fee)
More info
26
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

  • Offer only available until 28 August 2017
  • 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
More info
31
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have a permanent UK address
  • be over 18 years of age
  • not have been declined for credit in the last month
  • not have a history of bad credit
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • The 0% interest period applies to transfers made within 90 days of account opening
  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
More info
12
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin All Round Credit Card

Virgin All Round Credit Card

Virgin All Round Credit Card

  • 25 months 0% for balance transfers, money transfers and purchases
  • 1.5% balance transfer fee in first 60 days, 5% thereafter
  • 2% money transfer fee in the first 60 days, 5% thereafter
More info
25
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Bank of Scotland Platinum 29 Month Purchase and Balance Transfer Credit Card

Bank of Scotland Platinum 29 Month Purchase and Balance Transfer Credit Card

Bank of Scotland Platinum 29 Month Purchase and Balance Transfer Credit Card

  • 29 months 0% on balance transfers
  • You may be eligible to apply for this as a second credit card. Terms apply
  • 2.5% fee applies on each balance transfer made in the first 90 days, 3% thereafter
More info
29
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 29 Month Purchase and Balance Transfer Credit Card

Halifax 29 Month Purchase and Balance Transfer Credit Card

Halifax 29 Month Purchase and Balance Transfer Credit Card

  • 2.5% effective balance transfer fee for first 90 days, 3% fee thereafter
  • You may be eligible to apply for this as a second credit card. Terms apply
  • Manage your card with online and mobile banking
More info
29
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Halifax Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
The AA Dual Credit Card

The AA Dual Credit Card

The AA Dual Credit Card

  • Up to 32 months 0% on purchases
  • Up to 16 months 0% on balance transfers with 2.89% transfer fee
More info
32
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • must have a 'Excellent' credit rating
  • be aged 18 years or over and UK resident
  • have a current bank or building society account
  • be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
  • not have any outstanding CCJs
  • no balance transfers from: Post Office or Bank of Ireland

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Santander Everyday Credit Card

Santander Everyday Credit Card

Santander Everyday Credit Card

  • 30 months 0% on purchases
  • 30 months 0% on balance transfers with 2.75% transfer fee
  • Manage your account online or with Santander app
More info
30
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • minimum income of £7,500
  • must not be an existing Santander balance transfer credit card customer
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
marbles classic with purchase offer credit card

marbles classic with purchase offer credit card

marbles classic with purchase offer credit card

  • FastCheck your eligibility with instant response
  • 5 months 0% on purchases
  • UK-based customer helpline
More info
5
 months
0% interest on purchases
No fee
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable)
Virgin 28 Month Purchase Credit Card

Virgin 28 Month Purchase Credit Card

Virgin 28 Month Purchase Credit Card

  • 18 months 0% on balance transfers (2% fee)
  • 18 months 0% on money transfers (3% fee)
More info
28
 months
0% interest on purchases
No fee
19.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin 27 Month All Round Credit Card

Virgin 27 Month All Round Credit Card

Virgin 27 Month All Round Credit Card

  • 27 months 0% for balance transfers, money transfers and purchases
  • 2.70% balance transfer fee
  • 2.70% money transfer fee
More info
27
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 30 Month Purchase Credit Card

Halifax 30 Month Purchase Credit Card

Halifax 30 Month Purchase Credit Card

  • 30 months 0% on purchases
  • 6 months 0% on balance transfers
  • You may be eligible to apply for this as a second credit card. Terms apply
More info
30
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Halifax Bank

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
 Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

  • 18 months 0% on balance transfers (2.89% transfer fee)
  • No foreign transaction fees
  • No cash advance fee when you purchase Post Office Travel Money
More info
28
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Virgin Money Travel Credit Card

Virgin Money Travel Credit Card

Virgin Money Travel Credit Card

  • 12 months 0% on money transfers (2% fee)
  • 12 months 0% on balance transfers (no fee)
  • No fees on overseas purchases
More info
12
 months
0% interest on purchases
No fee
19.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Barclaycard Initial Credit Card

Barclaycard Initial Credit Card

Barclaycard Initial Credit Card

  • 3 months 0% on purchases
  • Free ongoing access to your Experian credit score. Terms apply
More info
3
 months
0% interest on purchases
No fee
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be employed and earning at least £3000 annually
  • be over 18 and have had credit in the UK and a permanent UK address for three months
  • have no County Court Judgements (CCJs) for non-payment of debt
  • have no recent record of missed bill payments

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable)
HSBC Dual Credit Card

HSBC Dual Credit Card

HSBC Dual Credit Card

  • 26 months on balance transfers and purchases
  • £5 minimum balance transfer fee or 2.89%
More info
26
 months
0% interest on purchases
No fee
22.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • Have an annual income/pension before tax of £8,500 or more
  • Be a resident of the UK, Channel Islands or Isle of Man
  • Be over 18, and not hold an HSBC Basic Bank Account

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
aqua classic with 0% Purchase offer for 4 months

aqua classic with 0% Purchase offer for 4 months

aqua classic with 0% Purchase offer for 4 months

  • 4 months 0% on purchases
  • Free unlimited access to your credit report
More info
4
 months
0% interest on purchases
No fee
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable)
Tesco Bank Clubcard Credit Card for 15m Balance Transfer

Tesco Bank Clubcard Credit Card for 15m Balance Transfer

Tesco Bank Clubcard Credit Card for 15m Balance Transfer

  • 0.85% fee for transfers in first 90 days, 3% fee thereafter
  • The 0% interest period applies to transfers made within 90 days of account opening
  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
More info
15
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card

  • Offer only available until 28 August 2017
  • 5,000 bonus Nectar points. Spend £250 in Sainsbury's in the first month. T&Cs apply
  • 3% Balance Transfer fee reduced by refund to 2.74% in first 3 months. 3% thereafter. £3 min at all times.
More info
30
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Frequently asked questions

About interest free credit cards

The key benefit to 0% purchase credit cards is that they charge no interest on new spending for a set amount of time. The best deals give 0% for well over 12 months - a great way to spread the cost of large purchases, such as a new sofa or TV, over the course of a year. The cards above are ordered by duration of 0% purchase offer.

What are 0% purchase credit cards?

Interest free credit cards are simply cards that don’t charge interest on purchases for a set period of time.

The best deals often last for 12 months or more and can be handy in helping to spread the cost of large purchases - such as a car insurance policy, or a new TV - over a year.

Protection on your purchases

When you use a credit card to buy something, both the card provider and supplier you’re buying from are responsible for your purchase.

This means that if the item is faulty, not as described, or isn’t delivered, you can claim your money back from either the provider or the supplier.

It’s called Section 75 and is part of the 1974 Consumer Credit Act. It applies if the cash price of a single item you pay for, or make part-payment for, is between £100 and £30,000.

Section 75 can be useful if, say, the supplier goes bust, and it applies in the UK or abroad.

0% purchase credit cards - what to look out for

Because the 0% deal usually starts on the date the card is issued, it may not coincide with your usual repayment date.

Take note of the date the 0% deal runs out to avoid incurring interest in the final month and always set up a direct debit for at least the minimum payment - if you miss a payment, you could lose the whole 0% deal.

Should I take out a purchase credit card?

You should only consider getting a purchase credit card and spending heavily on it if you know you can clear the debt before the 0% interest deal ends - the interest rate will jump to around 17% or more when it stops.

If you feel you won’t be able to pay off the debt within a year, you should consider getting a low APR credit card instead to prevent paying over the odds in interest.

What are 'top deals' and 'featured cards'

One way to sort our table is by ‘top deals’, whereby we highlight cards that are market leaders on uSwitch for particular features. For example, of all the credit cards offering 0% on both balance transfers and purchases, we may highlight the one with the best overall offering on uSwitch in that class.

We do this to highlight that it is the best in its class on uSwitch. We check these deals weekly to ensure they really are the best in that area on our site, so you can rest assured that our top deals are just that - the top deals on uSwitch.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.