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  2. It won't affect your credit score
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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 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 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)
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)
39
 months
0% interest on transfers
0.0%
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 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 £3 monthly fee, your representative APR is 21.7% APR (variable)
Santander Everyday Credit Card

Santander Everyday Credit Card

Santander Everyday Credit Card

  • 30 months 0% on purchases
  • 30 months 0% on balance transfers with 2.75% transfer fee
  • Manage your account online or with Santander app
18.9% APR
Representative (variable)
30
 months
0% interest on transfers
2.75%
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
  • 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)
Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

  • Offer only available until 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 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)
Lloyds Bank Platinum 33 Month Balance Transfer Credit Card

Lloyds Bank Platinum 33 Month Balance Transfer Credit Card

Lloyds Bank Platinum 33 Month Balance Transfer Credit Card

  • 33 months 0% interest on balance transfers made within 90 days of account opening
  • 3% transfer fee refunded to 0.57% within 90 working days, 3% fee thereafter
18.9% APR
Representative (variable)
33
 months
0% interest on transfers
0.57%
Effective transfer fee
3
 months
0% interest on purchases
More info
Can I get this card?
?
To get this card you must at least:
  • have no CCJs (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank 22 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 22 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 22 Month Clubcard Credit Card with 0% Balance Transfer Fee

  • The 0% offer applies to any balances transferred within the first 90 days of opening your account
  • Earn Tesco Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
18.9% APR
Representative (variable)
22
 months
0% interest on transfers
0.0%
Transfer fee
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 Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)
MBNA Platinum 32 Month Credit Card

MBNA Platinum 32 Month Credit Card

MBNA Platinum 32 Month Credit Card

  • Up to 32 months 0% on balance transfers (0.55% fee) in first 60 days, 21.9% p.a. and 5% fee thereafter
  • Up to 24 months 0% on money transfers (4% fee) in first 60 days, 23.9% p.a. and 5% fee thereafter
19.9% APR
Representative (variable)
32
 months
0% interest on transfers
0.55%
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
  • no balance transfers between 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)
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)
Sainsbury's Bank Nectar Exclusive 37 Month Balance Transfer Credit Card

Sainsbury's Bank Nectar Exclusive 37 Month Balance Transfer Credit Card

Sainsbury's Bank Nectar Exclusive 37 Month Balance Transfer Credit Card

  • Offer only available until 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 2.89% transfer fee refunded to 1.98% within 60 days on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
18.9% APR
Representative (variable)
37
 months
0% interest on transfers
1.98%
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)
Virgin Money No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

Virgin Money No Balance Transfer Fee Credit Card

  • 0% balance transfer fee in first 60 days, 5% thereafter
  • 24 months 0% on money transfers (4% fee in first 60 days, 5% thereafter)
  • 3 months 0% on purchases
19.9% APR
Representative (variable)
24
 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 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

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)

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.