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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 with our comparison table.

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Popularity APR Balance transfer Purchases
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
    • More info
18.9% APR
Representative (variable)
Representative APR (variable)
29
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
3
 months
0% interest on purchases
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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
    • More info
18.9% APR
Representative (variable)
Representative APR (variable)
40
 months
0% interest on transfers
0% interest on transfers
2.69%
Transfer fee
3
 months
0% interest on purchases
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 Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (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
    • More info
21.7% APR
Representative (variable)
Representative APR (variable)
39
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
6
 months
0% interest on purchases
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)
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 on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 2.88% effective balance transfer fee, refunded from 3%, on transfers made in the first 3 months (3% thereafter, £3 minimum fee at all times)
    • More info
18.9% APR
Representative (variable)
Representative APR (variable)
3
 months
0% interest on transfers
0% interest on transfers
2.88%
Transfer fee
32
 months
0% interest on purchases
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)
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
    • More info
18.9% APR
Representative (variable)
Representative APR (variable)
30
 months
0% interest on transfers
0% interest on transfers
2.75%
Transfer fee
30
 months
0% interest on purchases
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)
MBNA Platinum 39 Month Credit Card

MBNA Platinum 39 Month Credit Card

MBNA Platinum 39 Month Credit Card

  • Up to 39 months 0% on balance transfers (1.48% fee) in first 60 days, 20.9% p.a. and 5% fee thereafter
  • Up to 20 months 0% on money transfers (4% fee) in first 60 days, 22.9% p.a. and 5% fee thereafter
    • More info
18.9% APR
Representative (variable)
Representative APR (variable)
39
 months
0% interest on transfers
0% interest on transfers
1.48%
Transfer fee
—
%interest on purchases
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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Barclaycard Platinum 39 Month Balance Transfer

Barclaycard Platinum 39 Month Balance Transfer

Barclaycard Platinum 39 Month Balance Transfer

  • Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017
  • 6 months 0% on purchases
  • 3.5% transfer fee refunded to 1.45% within 2 working days
    • More info
19.9% APR
Representative (variable)
Representative APR (variable)
39
 months
0% interest on transfers
0% interest on transfers
1.45%
Effective transfer fee
6
 months
0% interest on purchases
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)
Virgin Money 38 Month Balance Transfer Credit Card

Virgin Money 38 Month Balance Transfer Credit Card

Virgin Money 38 Month Balance Transfer Credit Card

  • 38 months 0% on balance transfers (1.5% transfer fee)
  • 20 months 0% on money transfers (1.9% transfer fee)
  • 3 months 0% on purchases
    • More info
20.9% APR
Representative (variable)
Representative APR (variable)
38
 months
0% interest on transfers
0% interest on transfers
1.5%
Transfer fee
3
 months
0% interest on purchases
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 20.9% (variable) per annum, your representative APR is 20.9% 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
    • More info
18.9% APR
Representative (variable)
Representative APR (variable)
37
 months
0% interest on transfers
0% interest on transfers
1.99%
Transfer fee
3
 months
0% interest on purchases
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 39 month Balance Transfer Credit Card

Sainsbury’s Bank Nectar 39 month Balance Transfer Credit Card

Sainsbury’s Bank Nectar 39 month Balance Transfer Credit Card

  • Offer only available until 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 2.39% effective balance transfer fee, refunded from 2.89% within 60 days, on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
    • More info
18.9% APR
Representative (variable)
Representative APR (variable)
39
 months
0% interest on transfers
0% interest on transfers
2.39%
Effective transfer fee
3
 months
0% interest on purchases
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
  • Nectar cardholders only– you must enter your Nectar card number when you apply
  • 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 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
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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.

Learn more from our Credit Card Guides