logo-rebrandphone Skip to main content

Compare 0% interest free credit cards

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

What type of credit card are you looking for?

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy
39 results found, sorted by longest balance transfer period.

Uswitch Limited is a credit broker, not a lender, for consumer credit.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What is an interest free credit card?

An interest free credit card is a type of credit card that charges no interest 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 credit card. You are charged a fee of up to 5% to transfer your balance, after which you can pay it off with monthly payments. Ideally, you want to pay it off within the interest free period, which is how you’ll save the most money. After the 0% interest period ends, you will be charged interest on the remaining balance. The 0% interest periods can range from six months to 29 months.

0% purchase credit cards

Interest free purchase credit cards are also known as 0% purchase credit cards. These credit cards let you buy things without being charged with interest for an introductory period.

This interest free period can be anywhere from three months to around 30 months. 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 and thus easier to pay off.

How do I get the best interest free credit card deal?

The first step in getting the best deal on interest free credit cards is to shop around and compare interest free credit cards. The cheapest credit cards provide both 0% balance transfers and interest free purchases.

Look for 0% interest rate credit cards with long time periods. The best 0% credit card deals offer 0% interest rates on balance transfers and 0% purchase deals for up to 29 months.

Some credit cards allow you to do balance transfers and purchases in one card. This can help you manage your money more easily. You will only have to pay one monthly repayment amount.

You’re more likely to be offered the best credit card deals with the longest interest free periods if you fit the eligibility criteria and have a good credit history.

Dos this mean I never have to pay anything back?

No, it doesn't. While you may not be charged any interest on your transferred balance, or the purchases you make on the card for the advertised period, you will still be responsible for paying the full balance. If you do not pay the balance before the end of the interest free period, you may be charged substantial interest as well.

Is a 0% credit card right for me?

An interest free credit card can be a cheaper way to pay off credit card debt. A 0% credit card has pros and cons.


  • Low cost: An interest free credit card is often the cheapest way to pay off what you owe in balance transfers and purchases. You will only have to repay what you owe. You will not be charged interest on top of what you owe.

  • Pay off debt quickly: With interest free credit cards you only pay what you owe. Your credit card debt won’t grow unless you add to it with more balance transfer or purchases. This means you can pay off your balance transfer and purchases more quickly.

  • Time to pay: Interest free credit cards with long 0% interest periods on balance transfers and purchases give you time to pay off your debt. This can help you manage your repayments. Aim to pay off what you owe before the interest free period ends. Or you will be charged interest on what you still owe.

  • Single repayment: Interest free credit cards let you transfer balances from other credit cards lets you put your credit card debt in one place. You will only have to make one monthly repayment. This can make managing your money easier.


  • Take on too much debt: Interest free credit cards can encourage you to take on more debt than you should. Only borrow what you can afford to repay.

  • High interest rate when interest free period ends: When the interest free periods end the APR will be much higher. If you haven’t paid off everything you owe when the interest free period ends, you will be charged this higher interest rate. Your debt will grow. This can make paying off your debts harder.

When we use the term ‘most popular’ 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 48 hours.

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 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.

Credit card fraud: the biggest card frauds in history

How to pay off credit card debt

A step-by-step approach to pay back credit card debt, rebuild your credit score and regain your financial health.

Check Your Eligibility for Credit Cards

You can check your eligibility for a credit card without having to apply for it, so you can reduce the risk of being rejected for a card.

Check your eligibility for credit cards and credit reports, cash coin purse

How to use a credit card abroad

While convenient, using your credit card overseas can quickly lead to fees which can make your trip abroad more expensive. These tips can keep costs down.

What is a credit card?

What is a credit card?

Similar to a loan, a credit card provides you with an amount of credit agreed by you and your bank, for you to spend. Read our guide to learn how a credit card differs from a loan, and how to responsibly use one.

How many credit cards can you have?

How Many Credit Cards Should You Have?

If you are trying to manage your finances and utilise available credit, you might be wondering "how many credit cards should I have?" Our guide explains the pros and cons of owning multiple credit cards.

Contactless payment card, with hand holding credit card ready to pay at cafe coffee shop

Premium credit cards

Having a premium card can be a powerful status symbol, coming with extensive benefits for cardholders to enjoy. We explore whether it's worth getting a premium credit card if you're eligible.

Section 75 - What is credit card protection?

Section 75 - What is credit card protection?

Using a credit card can offers great benefits. A key perk of owning a credit card is the protection you're given with Section 75.

How to get the best exchange rate? Credit cards vs cash

How to Find the Best Card for Travel Abroad

Credit cards are convenient for making travel arrangements, and can also allow you a little more spending leeway when you are on holiday

Can you use a money transfer credit cards as an interest-free cash loan?

Understanding the credit card summary box

Credit card comparison tables can be quite tricky, so it's worth knowing how to read the credit card summary box to decode the legal jargon.

Credit card glossary A-Z

Credit Limit - How to Increase the Amount I Can Borrow

Credit limits can restrict the amount of money you can borrow on a credit card or overdraft, but there are ways to increase it if you need some extra cash

Check your eligibility for credit cards and credit reports, cash coin purse

10 tips for getting out of debt

Getting into unsustainable debt is frighteningly easy - a few months of irresponsible spending can land you with a debt that could take years to pay back.

Debt advice companies and charities

Free debt advice companies and charities

Check our list of organisations, including debt charities in the UK, companies and government bodies that can help you take control of your debt.

Seven steps to get out of debt

How To Take Action on Debt

We speak to David Rodger, Managing Director of debt advice charity, Debt Advice Foundation about the importance of facing up to your financial problems.

Seven steps to get out of debt

Debt Management Plans | Debt management services and help

Debt Management Plans are one way to get free of debt. This Uswitch guide explores the benefits and drawbacks of debt management services.

Debt consolidation loans explained

Debt Consolidation Loans | Learn About Consolidating Debt

Debt consolidation loans could help you to get in control of your debt by combining all your debts into one. But consolidating debt isn't right for everyone

Seven steps to get out of debt

IVA debt advice - Individual voluntary arrangement and debt tips

An Individual Voluntary Arrangement (IVA) is an alternative to bankruptcy as a debt management solution. But what is an IVA and how do they work?

Seven steps to get out of debt

Help with debt: Find out how to get out of debt | Uswitch guides

Find out how to get out of debt and read about debt solutions with this Uswitch guide to debt management help.

Seven steps to get out of debt

Debt Relief Orders: What is a DRO and Who Can Get One?

A Debt Relief Order (DRO) is an alternative to bankruptcy for people on a low income and with few assets. Find out if a DRO is right for you at Uswitch.com

Seven steps to get out of debt

Debt Questions and Answers | Find debt help with our Q&A

Are you liable for your partner's debts? Which debts should you pay off first? What action can your creditors take against you? Get these answers and more.

Eight tips for dealing with debt stress

Dealing with debt | How to deal with debt stress and anxiety

Coping with debt is tough, but you're not alone - get advice on coping with debt stress and depression from Uswitch today.