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 3 months16.6%Virgin discountsapply online
MBNA RewardsMBNA Rewards
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0% for 13 months
(2.9% fee)
0% for 3 months15.9%Reward pointsapply online
MBNA Platinum PlusMBNA Platinum Plus
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0% for 13 months
(2.9% fee)
0% for 3 months15.9%N/Aapply online
Bank of ScotlandBank of Scotland
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0% for 9 months
(3% fee)
0% for 9 months15.9%N/Aapply online
NatWest PlatinumNatWest Platinum
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0% for 15 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
Halifax All In OneHalifax All In One
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0% for 9 months
(3% fee)
0% for 9 months15.9%N/Aapply online
BTBT
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0% for 13 months
(3% fee)
0% for 3 months16.9%Money off BT billapply online
RBS PlatinumRBS Platinum
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0% for 15 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
HSBC BankHSBC Bank
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0% for 15 months
(2.9% fee)
0% for 3 months16.9%N/Aapply online
AIRMILESAIRMILES
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0% for 6 months
(3% fee)
N/A15.9%Airmilesapply online
Barclaycard GoldBarclaycard Gold
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0% for 6 months
(2.5% fee)
N/A19.9%N/Aapply online

Latest 0% Credit Card News


MBNA Platinum Card Offer Changes

29th May 2009

MBNA have changed the offer on their Platinum Plus credit card which now has an introductory offer of 0% on balance transfers for 13 months, when made within the first 90 days of opening your account, with a 2.9% handling fee and a typical 15.9% APR variable. Read More

New NatWest Credit Card Offer

18th May 2009

NatWest has changed the introductory offer available on the NatWest Platinum credit card and now offers 0% on balance transfers for 15 months, with a 2.9% handling fee, and an interest rate of a typical 16.9% APR variable. The NatWest credit card is a MasterCard which is available for online applications to existing NatWest customers only. Read More

Virgin Credit Card Offer Changes

17th April 2009

Virgin Money, has increased the balance transfer offer available on the Virgin credit card and now offers one of the longest introductory offers in the current UK credit card market with 0% on balance transfers for 16 months from the date your account is opened, with a 2.98% handling fee and a typical 16.6% APR variable. The Virgin credit card is a MasterCard and is available for online applications. Read More

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