Compare 0% credit cards

0% interest on all balance transfer and purchases. You can transfer your existing credit card debts to these cards and you won’t pay any interest for a set period. You can also spend with this card, interest-free, for a set period.

  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
Nationwide BS Select Credit Card
0%
for 26 months
(2.4% fee)
0%
for 15 months
Representative
15.9%
APR
(variable)
  • 2.40% balance transfer fee
  • Unlimited cashback - 0.5% on all sterling purchases
  • Unlimited commission-free purchases abroad
  • You must have a FlexAccount to qualify for the credit card (other T&Cs apply)
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), representative 15.9% APR (variable). Available to holders of a FlexAccount, FlexDirect or FlexPlus current account. Credit available subject to status.
Barclaycard Platinum Purchase & BT Visa
0%
for 18 months
(2.49% fee)
0%
for 14 months
Representative
18.9%
APR
(variable)
  • 2.9% transfer fee will be applied, then reduced to 2.49% by a refund (T&C's Apply)
  • Contactless payments
  • No balance transfers from other Barclaycards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
MBNA Everyday Credit Card Visa
0%
for 18 months
(1.5% fee)
0%
for 8 months
Representative
13.9%
APR
(variable)
  • An interest-free period on both balance transfers and money transfers
  • Paperless Statements, Contactless Payments, Fraud Protection
  • No Annual Fee
  • You cannot transfer balances between MBNA accounts
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 13.9% (variable), representative 13.9% APR (variable). Credit available subject to status.
Sainsbury's Bank Nectar Credit Card
0%
for 16 months
(3% fee)
0%
for 16 months
Representative
16.9%
APR
(variable)
  • Double Nectar points on Sainsbury's shopping
  • One Nectar point for every £5 spent on your card elsewhere
  • New Sainsbury's Bank Credit Card customers only
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
Halifax All in One Online MasterCard
0%
for 15 months
(0.8% fee)
0%
for 15 months
Representative
17.9%
APR
(variable)
  • 3% fee reduced by 2.2% refund to effective 0.8% fee
  • Market leading balance transfer and purchases card
  • APR and length of the offer are dependent on personal circumstances
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
Lloyds Bank Platinum Purchase Online MasterCard
0%
for 13 months
(1% fee)
0%
for 13 months
Representative
17.9%
APR
(variable)
  • Balance transfer fee refund from 3% to 1%
  • A great deal on both balance transfers and purchases
  • Full account management online
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
Lloyds Bank Avios Rewards Amex/MasterCard
0%
for 13 months
(3% fee)
0%
for 13 months
Representative
22.7%
APR
(variable)
  • 0% on balance transfers for 13 months 3% fee (T&C's Apply)
  • Collect up to 1.25 Avios per £1 spent
  • Double Avios for 6 months with your Amex card
  • £24 annual fee
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 22.7% APR (variable). Credit available subject to status.
Lloyds Bank Premier Avios Rewards Amex/MasterCard
0%
for 13 months
(3% fee)
0%
for 13 months
Representative
50.8%
APR
(variable)
  • 0% on balance transfers for 13 months 3% fee (T&C's Apply)
  • Collect up to 1.25 Avios per £1 spent
  • Double Avios for 6 months with your Amex card
  • £140 annual fee
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 50.8% APR (variable). Credit available subject to status.
Bank of Scotland Platinum Purchase Online M'Card
0%
for 13 months
(1% fee)
0%
for 13 months
Representative
17.9%
APR
(variable)
  • A great deal on both balance transfers and purchases
  • Manage your card using Internet and Mobile Banking
  • Credit available subject to status to UK residents aged 18 or over
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.0% (variable), representative 17.9% APR (variable). Credit available subject to status.
M&S Credit Card
0% for 12 months (2.9% fee) 0%
for 15 months
Representative
16.9%
APR
(variable)
  • Earn M&S points every time you shop with your card
  • Buy M&S Travel Money with no cash advance or foreign exchange fees
  • You must be at least 18 years of age with good credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
Sainsbury's Bank Nectar M'Card with BT fee refund
0%
for 12 months
(3% fee)
0%
for 12 months
Representative
16.9%
APR
(variable)
  • Balance transfer fee refunded in Nectar points
  • Double Nectar points on Sainsbury's shopping
  • 2 Nectar points for every £1 spent on Sainsbury's fuel
  • 1 Nectar point for every £5 spent elsewhere
  • New customers only
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
AA Members Rewards Visa
0%
for 12 months
(3% fee)
0%
for 10 months
Representative
16.9%
APR
(variable)
  • 2 points for every £1 spent on fuel, and 1 point for every £1 spent on everything else
  • Redeem 4,000 points for £20 of cash back or high street shopping vouchers or £40 against AA products like breakdown cover
  • No balance transfers from AA, BMI, ICICI, Virgin Money or other MBNA cards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 16.9% (variable), representative 16.9% APR (variable). Credit available subject to status.
Tesco Clubcard Credit Card for Purchases
0%
for 3 months
(2.9% fee)
0%
for 18 months
Representative
18.9%
APR
(variable)
  • Clubcard points on all your spending. One point awarded for every £4 spent in each purchase transaction (£4min). Must have available credit
  • Online servicing
  • Minimum income £5K, UK resident with good credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

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The table shows a range of products from the market. We work with the majority of Financial Service Providers to show the best deals.

The All Credit Cards table is ranked in a formula that combines Likelihood of acceptance (Highest first), Balance Transfer Period (Longest Period first), Balance Transfer Fee (Lowest Fee first) and Representative APR (Lowest APR first).

The other tables are ranking using a formula that combines Likelihood of acceptance (Highest first), and the key aspect of the table, eg for the Low APR Table its Representative APR (lowest first) and for the 0% new purchases table its Purchase period (Longest Period first).

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