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0% credit cards

Compare zero percent credit cards

Many credit card companies offer introductory interest free periods as a way of attracting customers. Unfortunately you won’t be able to apply for a 0% credit card that offers 0% interest for the life of the card, but more cards are beginning to offer longer 0% periods, with some now offering up to two years interest free.

The cards we're displaying below all have introductory offers on both balance transfers and purchases.
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Nationwide Select
20 months
0.0% interest 3.10% 12 months
0.0% interest

Uncapped cashback

 12.9%
APR
Apply
Card info Card rating

Available to new & existing Flex account holders. Plus, 0.5% unlimited cashback.

Representative example: If you spend £1,200 at a purchase rate of 12.9% (variable) your Representative APR will be 12.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
NatWest YourPoints World
15 months
0.0% interest 2.90% 15 months
0.0% interest

shopping
points

 16.9%
APR
Apply
Card info Card rating

Receive 2,500 bonus points plus double points for the first 15 months

Representative example: If you spend £1,200 at a purchase rate of 16.9% (variable) your Representative APR will be 16.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
RBS YourPoints World
15 months
0.0% interest 2.90% 15 months
0.0% interest

shopping
points

 16.9%
APR
Apply
Card info Card rating

Receive 2,500 bonus points plus double points for the first 15 months

Representative example: If you spend £1,200 at a purchase rate of 16.9% (variable) your Representative APR will be 16.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Limited balance transfer fee offer Halifax All in One
15 months
0.0% interest 1.00% 15 months
0.0% interest

no rewards

 17.9%
APR
Apply
Card info Card rating

***APR and length of 0% period are dependent on your personal circumstances***

Representative example: If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
fluid Balance Transfer
24 months
0.0% interest 2.89% 3 months
0.0% interest

no rewards

 16.9%
APR
Apply
Card info Card rating

Pay no interest on your transferred balance for 24 months (2.89% fee)

Representative example: If you spend £1,200 at a purchase rate of 16.9% (variable) your Representative APR will be 16.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
MBNA Everyday Credit Card
18 months
0.0% interest 1.99% 8 months
0.0% interest

no rewards

 12.9%
APR
Apply
Card info Card rating

A credit card designed for all your everyday spending

Representative example: If you spend £1,200 at a purchase rate of 12.9% (variable) your Representative APR will be 12.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Lloyds TSB Credit Card
13 months
0.0% interest 3.00% 13 months
0.0% interest

no rewards

 17.9%
APR
Apply
Card info Card rating

0% interest for 13 months on new purchases and balance transfers (3% fee)

Representative example: If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Bank of Scotland Credit Card
13 months
0.0% interest 3.00% 13 months
0.0% interest

no rewards

 17.9%
APR
Apply
Card info Card rating

0% interest on new purchases and balance transfers for 13 months

Representative example: If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Double Points on Fuel AA Rewards
12 months
0.0% interest 3.00% 10 months
0.0% interest

Rewards points

 16.9%
APR
Apply
Card info Card rating

Earn Rewards Points towards cash back, shopping vouchers and more

Representative example: If you spend £1,200 at a purchase rate of 16.9% (variable) your Representative APR will be 16.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Bank of Scotland Platinum
18 months
0.0% interest 3.00% 3 months
0.0% interest

no rewards

 17.9%
APR
Apply
Card info Card rating

Bank of Scotland's longest ever 0% balance transfer period

Representative example: If you spend £1,200 at an annual interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details

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