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- Interest Free Credit Cards - Save up to £854.98
0% interest free credit cards
Save up to £854.98* in interest and compare interest-free credit cards
*£854.98 interest saved in first 12 months. £3,900 balance transferred from a 29.9% APR card to a 0% card for 29 months, then 24.9% (variable), with a fixed monthly payment of £195. Includes 3.49% transfer fee of £136.11. Representative 24.9% APR. Terms offered depend on your financial circumstances and borrowing history. Find full calculation here. Updated October 2024.
Barclaycard Platinum Balance Transfer (29 Mths)
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- Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply.
- be a permanent UK resident
- be 21 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 Balance Transfer Credit Card (29 Mths)
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- 0% on balance transfers made within 60 days of account opening for 29 months from the date of transfer
- You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
- You must have an annual income/pension before tax of £6,800 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
Santander Everyday Long Term Balance Transfer Credit Card
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- 0% for 28 months, 3.9% balance transfer fee (minimum £5)
- 0% for 3 months on purchases
- Up to 56 days interest-free credit on purchases.
- Up to 3 additional cardholders (you will be responsible for the use of and payments on the additional cards).
- Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts.
- Credit is subject to status, to UK residents aged 18 and over.
- be a permanent UK resident
- be 18 or older
- minimum income of £10,500
- 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
Lloyds Bank 0% Balance Transfer Credit Card
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- Up to 27 months 0% on balance transfers ( 3.2% fee) made within 90 days of account opening 5% fee thereafter.
- 0% on purchases made in the first 6 months from account opening.
- be a permanent UK resident
- be 18 or older
- have a good credit rating
- not been declined a Lloyds Bank credit card within the last 30 days
- can't transfer from another Lloyds Bank account
- additional criteria for acceptance from the lender may apply
Halifax Longest 0% Balance Transfer Credit Card
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- Pay 0% interest for up to 27 months on balances you transfer in the first 90 days ( 3.49% transfer fee)
- 0% on purchases made in the first 6 months of card opening
- You may be eligible to apply for this as a second credit card. Terms apply
- 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
M&S Bank Transfer Plus Credit Card
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- 0% on balance transfers for 27 months, available for 90 days from account opening (3.49% fee applies, minimum £5)
- Collect one point per £1 spent at M&S online and in-store. Collect one point per £5 spent elsewhere and abroad. You will be rewarded in vouchers to spend at M&S
- 0% on shopping for 3 months
- 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
Barclaycard Platinum Balance Transfer (21/21)
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- 21 months 0% balance transfer (3.45% transfer fee applies. Terms and conditions apply).
- Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply
- be a permanent UK resident
- be 21 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
MBNA Dual 0% Transfer and Purchase Credit Card
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- Balance transfers – 0% for up to 21 months on balance transfers made within the first 60 days of account opening ( 3.49% Transfer Fee), then 5% fee thereafter
- Purchases – 0% for up to 21 months on purchases made within the first 60 days of account opening
- Money transfers – 0% for up to 12 months on money transfers made within the first 60 days of account opening ( 4% Transfer Fee), then 5% fee thereafter
- You may be eligible to apply for this as a second credit card. Terms apply
- 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
- not have been declined for an MBNA credit card within the last 30 days
- cannot transfer between another MBNA account
What is an interest free credit card?
An interest free credit card is a type of credit card that charges no interest on balances 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. After the 0% interest period ends, you will be charged interest on any outstanding balance.
The 0% interest periods can range from three months to 28 months. Many of these cards will charge a fee that's worked out as a percentage of the balance you're transferring. You can get fee-free balance transfer cards, but they typically offer shorter 0% periods.
0% purchase credit cards
Interest free purchase credit cards are also known as 0% purchase credit cards.
These credit cards let you spend money without being charged interest for an introductory period.
This interest free period can be anywhere from three months to almost two years. 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 so easier to pay off.
Pros and cons of interest-free credit cards
Pros
Cons
How do I get the best interest free credit card deal?
The first step to getting the best deal on interest free credit cards is to shop around and compare them.
But remember the longest 0% deal available to you might not be the best one for your circumstances. If you think you can pay off your balance transfer in 18 months, for example, a lower fee is far more important for saving money than an extra 10 months at 0%.
Some of the best interest free credit card offers give you 0% on balance transfers and new purchases for up to around two years, although they often include 0% on purchases for a shorter period.
This can help you manage your money more easily. You will only have to make one monthly repayment.
But remember, you'll only have one credit limit for both new purchases and balance transfers, so you will have to choose how you split that between purchases and existing debts.
You'll also need to ensure you know when each 0% period ends, as combination cards can have a different number of interest free months for purchases and balance transfers.
This could mean you end up paying interest when you hadn't planned to.
Use our credit card finder tool below to find the best interest free credit cards that you’ll qualify for, without damaging your credit score.
Some of the best interest free credit card offers give you 0% on balance transfers and new purchases for up to around two year...”
Do all credit cards have an interest-free period?
Surprisingly, yes. Almost every credit card offers a ‘grace period’ of up to 56 days between you buying something and it having interest charged on it. This means that people who pay their bills in full each month won't be charged any interest.
The actual number of days you get depends on what stage of the billing cycle you buy something at.
If you buy something on the day after a monthly statement is sent, you won't be billed for that item for a month and then have to be given time to pay that bill.
Added up it can mean well over a month between the purchase and interest being charged, with many card providers settling on about 56 days as the maximum period.
The exception is if you use your card at a cash machine or for a 'cash like' transaction - for example buying foreign currency or shares - in which case interest is charged from the moment the transaction occurs.
People who pay their bills in full each month won't be charged any interest”
Interest free credit card FAQs
Is interest free credit really interest free?
Yes, but that doesn't mean you'll pay nothing to borrow.
First, there may be a fee attached to a credit card balance transfer or money transfer.
Secondly, if you don't clear your debt within the 0% period you'll be charged interest on any money remaining on the account at the end of it.
What is APR?
APR stands for "annual percentage rate" - it's the interest rate charged on money borrowed on your credit card.
It reflects the costs you'll pay over the course of a year and includes any standard fees associated with the card.
In most cases, you can avoid paying interest by paying off your credit card balance in full by the due date of every billing cycle.
What happens after the 0% period ends
After the 0% period ends, you will start paying interest on any remaining credit card balance at your card's standard APR.
New spending on the card will also have interest charged on it at your standard APR, unless you clear your bill in full each month.
How Uswitch compares credit cards
What does ‘most popular’ and ‘popularity’ mean?
When we use the term ‘most popular or ‘popularity’ 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 30 days.
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 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.
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