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 16 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 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 TransfersPurchasesTypical APR VariableRewards
NatWest PlatinumNatWest Platinum
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0% for 16 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
RBS PlatinumRBS Platinum
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0% for 16 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
VirginVirgin
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0% for 14 months
(2.98% fee)
0% for 3 months16.6%Virgin product discountsapply online
EggCardEggCard
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0% until Sep 2011
(3% fee)
0% until Oct 201017.9%Discounts at selected retailersapply online
BTBT
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0% for 13 months
(3% fee)
0% for 3 months16.9%Money off BT billapply online
Nationwide GoldNationwide Gold
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0% for 15 months
(3% fee)
0% for 3 months16.9%N/Aapply online
AAAA
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0% for 12 months
(3% fee)
0% for 10 months16.9%AA Reward pointsapply 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
Barclaycard PlatinumBarclaycard Platinum
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0% for 15 months
(2.9% fee)
0% for 3 months15.9%Barclaycard Freedom rewardsapply online
Tesco ClubcardTesco Clubcard
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0% for 9 months
(2.9% fee)
0% for 13 months16.9%Tesco Clubcard pointsapply online
MBNA Platinum PlusMBNA Platinum Plus
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0% for 13 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
Virgin PurchaseVirgin Purchase
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0% for 12 months
(2.98% fee)
0% for 12 months18.9%Virgin product discountsapply online
Play.comPlay.com
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0% for 6 months
(1.5% fee)
0% for 9 months16.9%Play Pointsapply online
MBNA Platinum DualMBNA Platinum Dual
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0% for 10 months
(3% fee)
0% for 10 months16.9%N/Aapply online

Latest 0% Credit Card News


Tesco Clubcard 0% On Purchases

26th July 2010

Tesco have increased the introductory offer on their Clubcard credit card and the card is now available with an offer of 0% on purchases for a market leading 13 months, with an interest rate after the introductory period of a typical 16.9% APR variable. The Tesco Clubcard is a MasterCard credit card which is available for online applications. Read More

New RBS 0% Offer

16th July 2010

RBS have a new introductory 0% offer available on the RBS Platinum credit card which now comes with 0% on balance transfers for 16 months, with a 2.9% handling fee, and an interest rate of a typical 16.9% APR variable. The RBS credit card is a MasterCard credit card which is available for online applications. Read More

Virgin Money Credit Card Payments

9th July 2010

Virgin Money has announced plans to change the order of payments on its credit cards from 1st September so that the most expensive debt gets paid off first as compared to the current system where any payments made to your credit card account go towards the cheapest debt first. Read More

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