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 20 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 usually 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 :-

	NatWest Platinum Show More Information
National Westminster Bank PLC, 135 Bishopsgate, London, EC2M 3UR

0% for 20 months (2.9% fee)	0% for 6 months	17.9% APR	N/A
Representative Example: Representative 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). Please note: In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Who Can Apply: UK resident, Age 18+, Income £10,000+, Good credit rating

	Barclaycard Platinum Visa Show More Information
Barclays Bank PLC, 1 Churchill Place, London, E14 5HP

0% for 22 Months (2.9% fee)	0% for 3 months	17.9% APR	N/A
Representative Example: 17.9% APR Representative (variable). Based on 2.9% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 17.9%.
Who Can Apply: UK resident, Age 21+, Income £20,000+, Good credit rating

	Nationwide Show More Information
Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW

0% for 17 months (2.95% fee)	0% for 3 months	15.9% APR	N/A
Representative Example: 15.9% APR Representative (variable). Based on 2.95% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 15.9%
Who Can Apply: UK resident, Age 18+, Registered to vote, Good credit rating

	Tesco Clubcard Show More Information
Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ

0% for 9 months (2.9% fee)	0% for 15 months	16.9% APR	Tesco Clubcard points
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Income £5,000+

	Virgin All Round Show More Information
Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ

0% for 16 months (1.99% fee)	0% for 6 months	15.8% APR	Virgin product discounts
Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on assumed credit limit of £1,200
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

	RBS Platinum Show More Information
The Royal Bank of Scotland plc. 36 St Andrew Square, Edinburgh, EH2 2YB

0% for 20 months (2.9% fee)	0% for 6 months	17.9% APR	N/A
Representative Example: Representative 17.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). Please note: In the Representative Example above we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Who Can Apply: UK residents, Age 18+, Income £10,000+

	HSBC Bank Show More Information
HSBC Bank plc, 8 Canada Square, London, E14 5HQ

0% for 23 months (3.3% fee)	0% for 3 months	17.9% APR	N/A
Representative Example: Based on an assumed credit of £1200, our 16.7% rate p.a for new purchases gives a representative rate of 17.9% APR variable.
Who Can Apply: HSBC current account customers only, Age 18+, Income £8,500+

	Halifax All In One Show More Information
Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ

0% for up to 15 months* (3% fee)	0% for up to 15 months*	17.9% APR	N/A
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable). *The APR and length of the promotional offer are dependent on your personal circumstances
Who Can Apply: UK resident, Age 18+, Regular income, Good credit rating

	AA Show More Information
MBNA Europe Bank Limited, Stansfield House, Chester Business Park, Chester, CH4 9QQ

0% for 12 months (3% fee)	0% for 10 months	16.9% APR	AA Reward points
Representative Example: 16.9% p.a. (variable) on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1200
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

	Lloyds TSB Platinum Show More Information
Lloyds TSB Bank plc, 25 Gresham Street, London, EC2V 7HN

0% for 15 months (1.5% fee)	0% for 3 months	17.9% APR	N/A
Representative Example: 15.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 15.94%
Who Can Apply: UK resident, Age 18+, Minimum Income £15,000+, Good credit rating

	Virgin Show More Information
Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ

0% for 20 months (2.99% fee)	0% for 3 months	16.8% APR	Virgin product discounts
Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on assumed credit limit of £1,200.
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating

	Bank of Scotland Show More Information
Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ

0% for 12 months (3% fee)	0% for 12 months	17.9% APR	N/A
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
Who Can Apply: UK resident, Age 18+, Regular income, Good credit rating

	Post Office MasterCard Show More Information
Bank of Ireland (UK) plc. Bow Bells House, 1 Bread Street, London, EC4M 9BE

0% for 14 months (2.98% fee)	0% for 3 months	16.9% APR	N/A
Representative Example: 16.9% APR Representative (variable). Based on 2.98% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 16.9%
Who Can Apply: UK resident, Age 18+, Minimum Income £15,000+, Good credit rating

Latest 0% Credit Card News

New Virgin All Round Credit Card

24th October 2011

Virgin Money have introduced a new credit card the Virgin All Round credit card. The new Virgin All Round card offers 0% on balance transfers for 16 months for transfers made within the first 60 days, with a lower than average 1.99% handling fee and a representative 15.8% APR variable. The Virgin credit card is a MasterCard which is available for online applications. Read More

New Virgin Credit Card Offer

28th July 2011

Virgin Money have changed the promotional balance transfer offer available on the Virgin credit card which now offers 0% on balance transfers for 18 months for transfers made within the first 60 days, with a 2.7% handling fee and a representative 16.8% APR variable. The Virgin credit card is a MasterCard which is available for online applications. Read More

Post Office Credit Card Deals Change

23rd May 2011

The Post Office have changed the introductory deals available on Post Office credit card which now comes with an introductory offer on balance transfers of 0% for 14 months on balance transfers, with a 2.98% handling fee, and a representative 16.9% APR variable. The Post Office credit card is a MasterCard which is available for online applications. Read More

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