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0% Credit Card Offers

What are the 0% credit card offers currently available to UK customers in 2021?

0% Credit Card Offers

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

As a result, the 0% credit card offers in the UK, 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 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

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

HSBC Purchase Plus*
Purchases:
0% for 18 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Purchase Plus*
  • 0% interest on purchases for 18 months from account opening
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Sainsbury’s Dual Offer Credit Card
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Dual Offer Credit Card
  • 0% interest on purchases for up to 20 months
  • 0% interest on balance transfers for up to 20 months
  • 3% balance transfer fee, minimum £3 on transfers made at application
  • 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 Dual Offer Credit Card
  • 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
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% 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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Published: January 6, 2021, Updated: April 19, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily