Compare 0% interest free credit cards

There is a huge range of credit cards offering 0% interest on both new purchases and on the balances you’ve transferred across from a previous card. Find the longest 0% interest cards with our comparison table below.

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39 results found, sorted by longest balance transfer period.

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Virgin Money Balance Transfer Credit Card (35 Mths) (21.9%)

Representative APR (variable)

21.9%APR

Interest on balance transfers

0%for35months with a2.94%fee

Interest on purchases

0%for3months

Representative example:

The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

Limited time offer, eligibility and T&C’s apply. Virgin Money reserves the right to withdraw the offer at any time
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
35 months 0% on balance transfers (2.94% transfer fee)
12 months 0% on money transfers (4% transfer fee)
3 months 0% on purchases

Eligibility

be 18 or older
be a UK resident
have a good credit history
no balance transfers from Clydesdale Bank PLC
additional criteria for acceptance from the lender may apply

Virgin Money Balance Transfer Credit Card (35 Mths) (23.9%)

Representative APR (variable)

23.9%APR

Interest on balance transfers

0%for35months with a2.94%fee

Interest on purchases

0%for3months

Representative example:

The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).

Additional information

Limited time offer, eligibility and T&C’s apply. Virgin Money reserves the right to withdraw the offer at any time
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
35 months 0% on balance transfers (2.94% transfer fee)
12 months 0% on money transfers (4% transfer fee)
3 months 0% on purchases

Eligibility

be 18 or older
be a UK resident
have good credit history
no balance transfers from Clydesdale Bank PLC
additional criteria for acceptance from the lender may apply

Virgin Money Balance Transfer Credit Card (35 Mths) (25.9%)

Representative APR (variable)

25.9%APR

Interest on balance transfers

0%for35months with a2.94%fee

Interest on purchases

0%for3months

Representative example:

The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).

Additional information

Limited time offer, eligibility and T&C’s apply. Virgin Money reserves the right to withdraw the offer at any time
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
35 months 0% on balance transfers (2.94% transfer fee)
12 months 0% on money transfers (4% transfer fee)
3 months 0% on purchases

Eligibility

be 18 or older
be a UK resident
have good credit history
no balance transfers from Clydesdale Bank PLC
additional criteria for acceptance from the lender may apply

Sainsbury's Bank Balance Transfer 32 Months Credit Card

Representative APR (variable)

21.9%APR

Interest on balance transfers

0%for32months with a2.24%fee (£3 min.)

Interest on purchases

0%for3months

Representative example:

The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 32 or 24 months, depending on your individual circumstances.
Balance transfer fee of 2.24% or 3% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Up to 5,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first 2 months you'll get 500 points. T&Cs apply.

Eligibility

be a 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

M&S Bank Transfer Plus Credit Card

Representative APR (variable)

21.9%APR

Interest on balance transfers

0%for31months with a1.99%fee (£5 min.)

Interest on purchases

0%for3months

Representative example:

The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

0% on balance transfers for 31 months, available for 90 days from account opening (1.99% fee applies, minimum £5)
0% on shopping for 3 months
Earn M&S points every time you shop

Eligibility

have a good credit rating
be 18 or older
be a permanent UK resident
have an annual income/pension of at least £6,800
additional criteria for acceptance from the lender may apply

Get £25 cashback

HSBC Balance Transfer Credit Card (31 Mths)

Representative APR (variable)

21.9%APR

Interest on balance transfers

0%for31months with a2.7%fee (£5 min.)

Interest on purchases

0%for3months

Representative example:

The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

£25 cash back when you successfully apply for an HSBC Credit card. Spend or balance transfer over £100 within 60 days of opening the account to be eligible. Available to new customers only. Offer ends 13th February 2022. T&Cs apply.
0% on balance transfers made within 60 days of account opening for 31 months from the date of transfer

Eligibility

You must have an annual income/pension before tax of £8,500 or more
You must be a resident of the UK, Channel Islands or Isle of Man
You must be over 18
The APR is dependent on your personal circumstances
No balance transfers from HSBC, First Direct, Marks and Spencer or John Lewis

£30 Aggregator Exclusive Amazon Gift Card

Santander Everyday Long Term Balance Transfer Credit Card

Representative APR (variable)

20.9%APR

Interest on balance transfers

0%for31months with a2.75%fee (£5 min.)

Interest on purchases

0%for3months

Representative example:

The standard interest rate on purchases is 20.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).

Additional information

0% for 31 months on balance transfers, 2.75% balance transfer fee (minimum £5)
0% for 3 months on purchases
Earn up to 15% cashback with Retailer Offers, a free service available through Online and Mobile Banking.

Eligibility

be a permanent UK resident
be 18 or older
minimum income of £7,500
have a good credit rating
must not be an existing Santander balance transfer credit card customer
additional criteria for acceptance from the lender may apply

Halifax Long 0% Balance Transfer Credit Card

Representative APR (variable)

21.9%APR

Interest on balance transfers

0%for31months with a2.99%fee

Interest on purchases

0%for9months

Representative example:

The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

Pay 0% interest for up to 31 months on balances you transfer in the first 90 days (2.99% transfer fee)
0% on purchases made in the first 9 months of card opening
You may be eligible to apply for this as a second credit card. Terms apply

Eligibility

be a permanent UK resident
be 18 or older
have a good credit rating
not been declined a Halifax Bank credit card within the last 30 days
can't transfer from another Halifax account
additional criteria for acceptance from the lender may apply

Uswitch Limited is a credit broker, not a lender, for consumer credit.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Frequently asked questions

Credit card guides

Debt help

What is an interest free credit card?

An interest free credit card is a type of credit card that charges no interest for a set period of time. These cards can be used for balance transfers, purchases and money transfers.

0% balance transfer credit cards

0% balance transfer credit cards let you transfer the debt from one current credit card to another credit card. You are charged a fee of up to 5% to transfer your balance, after which you can pay it off with monthly payments. Ideally, you want to pay it off within the interest free period, which is how you’ll save the most money. After the 0% interest period ends, you will be charged interest on the remaining balance. The 0% interest periods can range from six months to 29 months.

0% purchase credit cards

Interest free purchase credit cards are also known as 0% purchase credit cards. These credit cards let you buy things without being charged with interest for an introductory period.

This interest free period can be anywhere from three months to around 30 months. After the 0% credit card purchase period ends you will be charged interest on your borrowing.

How do 0% interest credit cards work?

Interest free credit cards work by giving you a set period of time when the credit card company won’t charge you interest while you repay what you owe.

These are useful for either paying down debt, or spreading the cost of a large purchase over a period of months, without paying interest. This can make monthly repayments more affordable and thus easier to pay off.

How do I get the best interest free credit card deal?

The first step in getting the best deal on interest free credit cards is to shop around and compare interest free credit cards. The cheapest credit cards provide both 0% balance transfers and interest free purchases.

Look for 0% interest rate credit cards with long time periods. The best 0% credit card deals offer 0% interest rates on balance transfers and 0% purchase deals for up to 29 months.

Some credit cards allow you to do balance transfers and purchases in one card. This can help you manage your money more easily. You will only have to pay one monthly repayment amount.

You’re more likely to be offered the best credit card deals with the longest interest free periods if you fit the eligibility criteria and have a good credit history.

Dos this mean I never have to pay anything back?

No, it doesn't. While you may not be charged any interest on your transferred balance, or the purchases you make on the card for the advertised period, you will still be responsible for paying the full balance. If you do not pay the balance before the end of the interest free period, you may be charged substantial interest as well.

Is a 0% credit card right for me?

An interest free credit card can be a cheaper way to pay off credit card debt. A 0% credit card has pros and cons.

Pros

Low cost: An interest free credit card is often the cheapest way to pay off what you owe in balance transfers and purchases. You will only have to repay what you owe. You will not be charged interest on top of what you owe.
Pay off debt quickly: With interest free credit cards you only pay what you owe. Your credit card debt won’t grow unless you add to it with more balance transfer or purchases. This means you can pay off your balance transfer and purchases more quickly.
Time to pay: Interest free credit cards with long 0% interest periods on balance transfers and purchases give you time to pay off your debt. This can help you manage your repayments. Aim to pay off what you owe before the interest free period ends. Or you will be charged interest on what you still owe.
Single repayment: Interest free credit cards let you transfer balances from other credit cards lets you put your credit card debt in one place. You will only have to make one monthly repayment. This can make managing your money easier.

Cons

Take on too much debt: Interest free credit cards can encourage you to take on more debt than you should. Only borrow what you can afford to repay.
High interest rate when interest free period ends: When the interest free periods end the APR will be much higher. If you haven’t paid off everything you owe when the interest free period ends, you will be charged this higher interest rate. Your debt will grow. This can make paying off your debts harder.

What does 'most popular' mean?

When we use the term ‘most popular’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 48 hours.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.

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.