0% Credit Card Offers

What are the 0% credit card offers currently available to UK customers in 2020?

0% Credit Card Offers

The UK credit card market has been very competitive with many firms competing for new customers. The Coronavirus pandemic has however reduced the number of 0% credit cards available.

As a result, the 0% credit card offers available are constantly changing. New 0% credit card promotional deals are are introduced regularly.

There are still some competitive 0% credit card deals currently available: –

  • Many 0% credit cards offer a long 0% introductory deal on balance transfers
  • A smaller number of cards offer a long 0% introductory deal on purchases

There are also a very small number of cards available that offer an equally long 0% introductory deal on both balance transfers and on purchases.

0% Credit Card Offers For Balance Transfers

0% credit card offers for balance transfers allow a customer to transfer a balance from an existing credit card to a new card that offers a long 0% introductory deal on balance transfers.

A customer can save money by paying no interest during the introductory 0% balance transfer period. In most cases however, the customer will have to be pay a balance transfer fee.

At the end of the introductory 0% period, the interest rate on any outstanding balance remaining on the card will return to the standard APR rate for the card, which is typically around 19.9% APR variable.

All of the following featured UK credit cards currently have 0% credit card deals for balance transfers:-


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0% Credit Card Offers

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Balance Transfer
  • 0% interest on balance transfers for up to 26 months
  • 3% balance transfer fee on transfers made at application
  • 0% interest on purchases for your first 3 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Sainsbury’s Balance Transfer
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
To apply for a credit card you must be a Nectar member and should have been one for at least 6 months
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 28 months
Balance Transfer Fee:
2.95%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Balance Transfer
  • 0% interest for up to 28 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest for the first 3 months on purchases
  • Internet fraud protection and Clicksafe
  • Apple Pay and Android Pay
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Balance Transfer
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

0% Credit Card Offers For Purchases

0% credit card offers for purchases allow a customer to make purchases, such as a holiday or a TV for example, using their card. The customer will pay no interest on their purchases, during the introductory 0% offer period available on the card.

At the end of this introductory 0% period, the interest rate on any purchases made will return to the standard variable APR rate for the card. This rate is usually around 19.9% APR variable.

0% purchase credit cards are not as common as cards with 0% balance transfer offers. However all of the following featured UK credit cards do currently have longer 0% credit card deals for purchases:-

0% Credit Card Offers

Santander All in One Credit Card
Purchases:
0% for 26 months
Balance Transfers:
0% for 26 Month
Balance Transfer Fee:
0%
Representative APR:
21.7% APR (variable)
More Information

Credit Card Details

Santander All in One Credit Card
  • 0% interest on purchases for 26 month from date account opened
  • 0% interest on balance transfers for 26 month from date account opened
  • 0% balance transfer fee
  • 0.5% cashback on all of your purchases
  • No foreign transaction fee on purchases made abroad in local currency
  • Cashback through Retailer Offers
  • Monthly Fee: £3
More Information

Application Criteria

Santander All in One Credit Card
  • You are a permanent UK resident
  • You have a good credit history with no history of bad credit
  • You have an income of £7,500 per year or more
  • You are at least 18 years of age
More Information
Monthly fee of £3 payable
Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee of £3 payable

0% Credit Card Offers

TSB Platinum Purchase Credit Card
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
2.95%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Purchase Credit Card
  • 0% interest on purchases for up to the first 20 months
  • 0% interest for up to the first 20 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase Credit Card
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

Customers looking for the best 0% card deals and offers are more likely to be accepted for any of the above deals if they can meet the following requirements:-

  • Are on the electoral role
  • Have a good credit history
  • No bad debts in the recent past
  • No recent missed payments

These 0% credit card deals are available in credit cards with both MasterCard and Visa branded cards.

It is essential that a customer with a 0% credit card makes all monthly payments on time to the credit card company. The card companies can withdraw a customer’s introductory 0% credit card offers, if they are late in making any monthly payment.


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