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Check your eligibility for credit cards

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  2. It won't affect your credit score
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Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

Halifax 29 Month Balance Transfer Credit Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • Manage your card online using internet banking and mobile banking
  • You may be eligible to apply for this as a second credit card. Terms apply
19.9% APR
Representative (variable)
29
 months
0% interest on transfers
0.0%
Transfer fee
3
 months
0% interest on purchases
More info
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

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
MBNA Platinum 38 Month Credit Card

MBNA Platinum 38 Month Credit Card

MBNA Platinum 38 Month Credit Card

  • Up to 38 months 0% on balance transfers (1.44% 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
19.9% APR
Representative (variable)
38
 months
0% interest on transfers
1.44%
Transfer fee
More info
Can I get this card?
?
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.

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 Platinum 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

Barclaycard Platinum 37 Month Balance Transfer

  • 37 months 0% on balance transfers
  • 6 months 0% on purchases
  • 3.5% transfer fee refunded to 1.4% within 2 working days
19.9% APR
Representative (variable)
37
 months
0% interest on transfers
1.4%
Effective transfer fee
6
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 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 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Sainsbury’s Bank Nectar Purchase Credit Card

Sainsbury’s Bank Nectar Purchase Credit Card

Sainsbury’s Bank Nectar Purchase Credit Card

  • Offer only available until 25 March 2018
  • Up to 10,000 bonus Nectar points. Each time you spend £40 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 3% balance transfer fee (£3 minimum fee at all times)
18.9% APR
Representative (variable)
3
 months
0% interest on transfers
3.0%
Transfer fee
31
 months
0% interest on purchases
More info
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)
Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

  • Offer only available until 25 March 2018
  • Up to 10,000 bonus Nectar points. Each time you spend £40 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 1.5% transfer fee refunded to 0% within 60 days on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
18.9% APR
Representative (variable)
28
 months
0% interest on transfers
0.0%
Effective transfer fee
3
 months
0% interest on purchases
More info
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)
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
18.9% APR
Representative (variable)
6
 months
0% interest on transfers
3.0%
Transfer fee
30
 months
0% interest on purchases
More info
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 Balance Transfer Credit Card

Post Office Money Balance Transfer Credit Card

Post Office Money Balance Transfer Credit Card

  • 1.99% balance transfer fee
  • Three months 0% on purchases
  • No cash fee to buy travel money at the Post Office
18.9% APR
Representative (variable)
37
 months
0% interest on transfers
1.99%
Transfer fee
3
 months
0% interest on purchases
More info
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)
Santander Everyday Credit Card

Santander Everyday Credit Card

Santander Everyday Credit Card

  • 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
18.9% APR
Representative (variable)
27
 months
0% interest on transfers
0.0%
Transfer fee
3
 months
0% interest on purchases
More info
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)
nuba transfer credit card

nuba transfer credit card

£20 Amazon voucher

nuba transfer credit card

  • £20 Amazon voucher with your balance or money transfer over £1000. Terms apply
  • Up to 38 months 0% on balance transfers (2.49% 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
19.9% APR
Representative (variable)
38
 months
0% interest on transfers
2.49%
Transfer fee
More info
Can I get this card?
?
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.

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

Santander All in One Credit Card

Santander All in One Credit Card

  • 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
21.7% APR
Representative (variable)
30
 months
0% interest on transfers
0.0%
Transfer fee
30
 months
0% interest on purchases
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, with a £36 annual fee, your representative APR is 21.7% 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

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.

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.