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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 14 companies with our comparison table.

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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
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
Sainsbury's Bank No Balance Transfer Fee Credit Card
Sainsbury's Bank No Balance Transfer Fee Credit Card
20.9% APR
Representative APR (variable)
26 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
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
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card
19.9% APR
Representative APR (variable)
26 months
0% interest on balance transfers
26 months
0% interest on purchases
More info
Tesco Bank 22 Month No Balance Transfer Fee Credit Card
Tesco Bank 22 Month No Balance Transfer Fee Credit Card
19.9% APR
Representative APR (variable)
22 months
0% interest on balance transfers
0 months
0% interest on purchases
More info
Capital One Balance Transfer Card
Capital One Balance Transfer Card
34.9% APR
Representative APR (variable)
6 months
0% interest on balance transfers
0 months
0% interest on purchases
More info
M&S Transfer Plus Credit Card
M&S Transfer Plus Credit Card
19.9% APR
Representative APR (variable)
28 months
0% interest on balance transfers
6 months
0% interest on purchases
More info
Sainsbury’s Bank Nectar Purchase Credit Card
Sainsbury’s Bank Nectar Purchase Credit Card
20.9% APR
Representative APR (variable)
3 months
0% interest on balance transfers
27 months
0% interest on purchases
More info
Sainsbury's Bank 30 month Balance Transfer Credit Card
Sainsbury's Bank 30 month Balance Transfer Credit Card
19.9% APR
Representative APR (variable)
30 months
0% interest on balance transfers
3 months
0% interest on purchases
More info

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

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.