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Compare 0% interest free credit cards

There are a huge range of credit cards offering 0% interest on both new purchases and on balances you’ve transferred across from a previous card. Find the longest 0% cards from 17 companies with our comparison table.

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Halifax 34 Month Balance Transfer Credit Card
Halifax 34 Month Balance Transfer Credit Card
19.9% APR
Representative APR (variable)
34 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 3% balance transfer fee for balances transferred within 90 days of account opening
  • 3 months 0% on new purchases
  • You may be eligible to apply for this as a second credit card. Terms apply
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.
Barclaycard Platinum 33 Month Balance Transfer
Cashback Offer
Barclaycard Platinum 33 Month Balance Transfer
Cashback Offer
19.9% APR
Representative APR (variable)
33 months
0% interest on balance transfers
6 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 33 months 0% on balance transfers (3.5% transfer fee refunded to 1.95% within 28 days)
  • 6 months 0% on purchases
  • £20 cashback when you transfer a balance of £2,000 or more within 60 days of opening your account (terms apply). Offer ends 12 October 2018
To get this card you must at least:
  • be a permanent UK resident
  • be 18 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
Additional criteria for acceptance from the lender may apply.
Santander All in One Credit Card
Santander All in One Credit Card
21.7% APR
Representative APR (variable)
30 months
0% interest on balance transfers
30 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, with a £3 monthly fee, your representative APR is 21.7% APR (variable)
Card details
  • Monthly fee of £3 applies
  • If you have a 1|2|3 current account Santander will refund the £3 fee for the first 6 months. Terms apply
  • 0.5% cashback on all purchases with no limit to how much you can earn. Terms apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £7,500
  • have a good credit rating
  • No transfers from Santander
Additional criteria for acceptance from the lender may apply.
M&S Transfer Plus Credit Card
M&S Transfer Plus Credit Card
19.9% APR
Representative APR (variable)
32 months
0% interest on balance transfers
6 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 32 months 0% on balance transfers made within 90 days (0.99% fee applies, £5 minimum fee)
  • 6 months 0% on purchases
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.
HSBC Credit Card
Cashback Offer
HSBC Credit Card
Cashback Offer
19.9% APR
Representative APR (variable)
32 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 32 months 0% on balance transfers made within the first 60 days
  • 1.4% fee applied on Balance Transfers (minimum £5) for balances transferred within the first 60 days
  • £25 cashback between 10 Sept 2018 to 09 Nov 2018 - Subject to terms and conditions
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
  • The APR is dependent on your personal circumstances
  • no balance transfers from HSBC, First Direct, Marks and Spencer or John Lewis
Additional criteria for acceptance from the lender may apply.
Santander Everyday Credit Card
Santander Everyday Credit Card
18.9% APR
Representative APR (variable)
27 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Card details
  • 27 months 0% on balance transfers from account opening with no transfer fee
  • 3 months 0% on purchases from account opening
  • Manage your account online or with Santander app
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.
Sainsbury’s Bank Dual Credit Card
Sainsbury’s Bank Dual Credit Card
19.9% APR
Representative APR (variable)
29 months
0% interest on balance transfers
29 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 750 points. T&Cs apply
  • Balance transfer fee of 3% (minimum £3) at application. The charge will depend on your current offer thereafter.
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.
MBNA Platinum 33 Month Credit Card
MBNA Platinum 33 Month Credit Card
19.9% APR
Representative APR (variable)
33 months
0% interest on balance transfers
0 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Up to 33 months 0% on balance transfers (1.99% fee) in first 60 days, 21.9% p.a. and 5% fee thereafter
  • Up to 20 months 0% on money transfers (4% fee) in first 60 days, 23.9% p.a. and 5% fee thereafter
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer from MBNA accounts
Additional criteria for acceptance from the lender may apply.
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card
Cashback Offer
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card
Cashback Offer
19.9% APR
Representative APR (variable)
27 months
0% interest on balance transfers
27 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 27 months 0% on purchases
  • 27 months 0% balance transfers (3.5% transfer fee refunded to 1.99% within 28 days)
  • £20 cashback when you transfer a balance of £2,000 or more within 60 days of opening your account (terms apply). Offer ends 12 October 2018
To get this card you must at least:
  • be a permanent UK resident
  • be 18 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
Additional criteria for acceptance from the lender may apply.
HSBC Dual Credit Card
Cashback Offer
HSBC Dual Credit Card
Cashback Offer
22.9% APR
Representative APR (variable)
26 months
0% interest on balance transfers
26 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
Card details
  • 26 months 0% on balance transfers made within the first 60 days
  • 26 months 0% on purchases
  • 2.89% fee applied on Balance Transfers (minimum £5) for balances transferred within the first 60 days
  • £25 cashback between 10 Sept 2018 to 09 Nov 2018 - Subject to terms and conditions
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.

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Frequently asked questions

What are zero interest credit cards?

While no cards are entirely ‘interest free’ many people commonly refer to some 0% purchase and 0% balance transfer cards as ‘0 interest’ credit cards or ‘no interest credit cards’. This is because both offer interest free periods, but there are certain things to consider and choosing the right ‘zero interest’ credit card is crucial.

0% purchase cards

A card offering 0% on purchases means you won’t pay any interest on purchases during the 0% introductory period, with some 0% deals lasting almost two years. During that time period your purchases will be interest free, although be aware of other charges such as cash withdrawal fees or overseas transaction fees.

The longer your 0% purchase period the longer you can avoid paying interest on your spending but be aware - when your 0% period ends you will pay interest on your outstanding balance. This interest rate it typically referred to as a ‘reversion rate’.

0% balance transfer cards

While a 0 interest purchase credit card allows you to pay no interest on new purchases, a 0% balance transfer card allows you to pay no interest on your outstanding balance - your credit card debt.

Crucially however many balance transfer cards also charge a transfer fee to transfer debts across from another card. This is typically a percentage of your balance.

Some of the best no interest credit cards offer 0% on both new purchase and outstanding balances.

What does 'popularity' mean?

Cards are ranked by the number of clicks they get on the site in the past 48 hours.

The most clicked on cards are at the top, the least at the bottom. This reflects how popular they are with visitors to uSwitch.com.

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.

What does it mean if a card is listed as an “advertisement” or “promotion”?

We sometimes receive payment from card providers to display their cards in prominent locations.

These are adverts and are designed to be distinct and separate from the other cards on our comparison tables. We hope this makes it clear which cards are top-of-table deals and which cards are paid for promotions.

Learn more from our Credit Card Guides