0% Credit Card

A 0% credit card is a credit card which offers a rate of 0% on purchases and/or on balance transfers for an introductory period, which can be for up to 15 months before reverting to the card issuers standard variable rate. With a 0% credit card you can save substantial amounts of money either by making a purchase, of say a flat screen TV or holiday, and paying it back in installments interest free, or by transferring the balance from another credit card and saving interest for the duration of the introductory transfer period.

Generally every time you transfer a balance, there will be a handling fee charged by the credit card company, which will be around 2% to 3% of the value of the balance you transfer. There are a large number of credit cards in the UK market offering a 0% introductory rate. Here are our featured 0% credit cards :-

Credit CardBalance Transfer Rate Duration and FeeNew Purchases Rate and DurationTypical APR VariableCashBack or Loyalty RewardsApply
VirginVirgin
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0% for 16 months
(2.98% fee)
0% for 6 months16.6%Virgin discountsapply online
Post OfficePost Office
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0% for 12 months
(2.98% fee)
0% for 3 months16.9%N/Aapply online
Halifax All In OneHalifax All In One
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0% for 10 months
(3% fee)
0% for 10 months15.9%N/Aapply online
MBNA Platinum PlusMBNA Platinum Plus
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0% until Jan 2010
(2.9% fee)
0% until Mar 200915.9%N/Aapply online
BTBT
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0% for 12 months
(3% fee)
0% for 3 months16.9%Money off BT billapply online
AAAA
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0% for 9 Months
(3% fee)
0% for 6 Months15.9%AA Reward pointsapply online
WWF Credit CardWWF Credit Card
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0% for 12 months
(3% fee)
0% for 3 months15.9%Supports the work of the WWFapply online
Alliance and LeicesterAlliance and Leicester
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0% for 12 months
(3% fee)
0% for 3 months15.9%N/Aapply online
MBNA RewardsMBNA Rewards
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0% for 13 months
(2.9% fee)
0% for 3 months15.9%Reward pointsapply online
bmibmi
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0% for 12 months
(3% fee)
0% for 3 months15.9%bmi destinations milesapply online

Latest 0% Credit Card News


New Alliance and Leicester Credit Card

12th November 2008

The Alliance and Leicester have launched a new credit card which comes with an introductory offer of 0% on balance transfers for 12 months, when made within the first 90 days, with a 3% handling fee and a typical 15.9% APR variable. The Alliance and Leicester credit card is a MasterCard which is available for online applications. Read More

New AA Credit Card Offer

7th November 2008

The AA have launched a new credit card which comes with an introductory offer of 0% on balance transfers for 9 months, with a 3% handling fee and a typical 15.9% APR variable. The AA credit card is a MasterCard credit card which is available for online applications. Read More

0% Card Offers Withdrawn

31st October 2008

Capital One have become the latest credit card company to withdraw 0% introductory offers as the worldwide credit crunch continues. The Capital One Platinum card and Capital One Balance Transfer and Purchase Credit Card will no longer be available for applications as of the 1st November 2008. Read More

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