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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 from 19 companies with our comparison table.

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MBNA Platinum 36 Month Credit Card
MBNA Platinum 36 Month Credit Card
19.9% APR
Representative APR (variable)
36 months
0% interest on balance transfers
0 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Up to 36 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
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.
Halifax 36 Month Balance Transfer Credit Card
Halifax 36 Month Balance Transfer Credit Card
19.9% APR
Representative APR (variable)
36 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 3% balance transfer fee refunded to 2.68% within 90 days
  • 3 months 0% on new purchases
  • You may be eligible to apply for this as a second credit card. Terms apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Additional criteria for acceptance from the lender may apply.
Tesco Bank Clubcard Credit Card for 36 Month Balance Transfer
Tesco Bank Clubcard Credit Card for 36 Month Balance Transfer
18.9% APR
Representative APR (variable)
36 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Card details
  • 0% interest on balance transfers for up to 36 months from account opening, with a 2.69% fee
  • 0% interest periods apply to transfers made 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
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.
Virgin Money 26 Month All Round Credit Card
Virgin Money 26 Month All Round Credit Card
18.9% APR
Representative APR (variable)
26 months
0% interest on balance transfers
26 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Card details
  • 26 months 0% for balance transfers, money transfers and purchases
  • 2.80% balance transfer fee
  • 4% money transfer fee
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.
Santander All in One Credit Card
Santander All in One Credit Card
21.7% APR
Representative APR (variable)
30 months
0% interest on balance transfers
30 months
0% interest on purchases
More info
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)
Card details
  • 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
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.
Santander Everyday Credit Card
Santander Everyday Credit Card
18.9% APR
Representative APR (variable)
27 months
0% interest on balance transfers
3 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Card details
  • 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
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.
Barclaycard Platinum 35 Month Balance Transfer
Barclaycard Platinum 35 Month Balance Transfer
19.9% APR
Representative APR (variable)
35 months
0% interest on balance transfers
6 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • 35 months 0% on balance transfers (3.5% transfer fee refunded to 1.85% within 28 days)
  • 6 months 0% on purchases
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.
M&S Transfer Plus Credit Card
M&S Transfer Plus Credit Card
18.9% APR
Representative APR (variable)
32 months
0% interest on balance transfers
6 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Card details
  • 32 months 0% on balance transfers made within 90 days (0.99% fee applies, £5 minimum fee)
  • 6 months 0% on purchases
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident
Additional criteria for acceptance from the lender may apply.
Fluid 9 month Balance Transfer Credit Card
Fluid 9 month Balance Transfer Credit Card
29.9% APR
Representative APR (variable)
9 months
0% interest on balance transfers
0 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 29.94% (variable) per annum, your representative APR is 29.9% APR (variable)
Card details
  • 0% on balance transfers for 9 months (4% fee).
  • Free text alerts
  • Flexible payment dates
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a current UK bank or building society account
  • not be registered bankrupt in the last 18 months or have proceedings
  • have no CCJs (past 12 months)
  • not have taken out a marbles, opus or aqua card in the past 12 months
Additional criteria for acceptance from the lender may apply.
Sainsbury’s Bank Nectar Purchase Credit Card
Sainsbury’s Bank Nectar Purchase Credit Card
19.9% APR
Representative APR (variable)
3 months
0% interest on balance transfers
28 months
0% interest on purchases
More info
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Card details
  • Offer only available until 30 July 2018
  • Up to 5,000 bonus Nectar points. Each time you spend £20 or more on Sainsbury's shopping in the first two months you'll get 500 points. T&Cs apply
  • Balance transfer fee of 3% (minimum £3) at application. The charge will depend on your current offer thereafter.
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.

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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.

What does 'popularity' mean?

Cards are ranked by the number of clicks they get on the site in the past 48 hours.

The most clicked on cards are at the top, the least at the bottom. This reflects how popular they are with visitors to uSwitch.com.

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.

What does it mean if a card is listed as an “advertisement” or “promotion”?

We sometimes receive payment from card providers to display their cards in prominent locations.

These are adverts and are designed to be distinct and separate from the other cards on our comparison tables. We hope this makes it clear which cards are top-of-table deals and which cards are paid for promotions.

Learn more from our Credit Card Guides