Comparing UK 0% credit cards online since 2002What are the latest 0% credit card offers available to UK customers in 2019?
The 0% credit card offers available in what is a very competitive UK credit card market are constantly changing. New 0% credit card deals and offers are are introduced all the time.
The credit card companies are competing with each other for new customers. As a result, there are some competitive 0% credit card deals and offers currently available.
There are many 0% credit card offers currently available that 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 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 another credit card to a 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 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 18.9% APR variable.
All of the following featured UK credit cards currently have 0% credit card offers for balance transfers:-
0% Credit Card Offers
Credit Card Details
- 0% for 28 months on balance transfers made within 90 days of account opening
- 0.99% balance transfer fee, minimum £5
- 0% on purchases for 6 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- Preferential rates when you use your card to order M&S Travel Money
- Manage account online
- Annual Fee: £0
Application Criteria
- You are a UK resident
- You have a UK bank or building society account
- You are aged 18 or over
- You have not held a credit card with M&S Bank within previous 12 months
0% Credit Card Offers
Credit Card Details
- 0% interest for 28 months on balance transfers made within 60 days of account opening
- 1.4% balance transfer fee (minimum £5)
- 0% on purchases for 3 months from account opening
- At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
- home&Away rewards programme giving you instant discounts from well-known brands
- Online account management
- Annual Fee: £0
Application Criteria
- You have an annual income or pension before tax of £8,500 or more
- You are a UK resident, including Isle of Man and Channel Islands
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
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. The customer will pay no interest on their purchases during the introductory 0% offer period available on the card.
At the end of the introductory 0% period, the interest rate on any purchases made will return to the standard APR rate for the card. This rate is usually around 18.9% 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 0% credit card offers for purchases:-
0% Credit Card Offers
Credit Card Details
- 0% on purchases for 20 months from account opening
- 0% for 20 months on balance transfers made within 90 days of account opening
- 2.9% balance transfer fee, minimum £5
- Collect M&S points every time you shop anywhere in the world with your card
- Preferential rates when you use your card to order M&S Travel Money
- Manage account online
- Annual Fee: £0
Application Criteria
- You are a UK resident
- You have a UK bank or building society account
- You are aged 18 or over
- You have not held a credit card with M&S Bank within previous 12 months
0% Credit Card Offers
Credit Card Details
- 0% on purchases for 12 months from account opening
- 0% on balance transfers for 12 months from account opening
- 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
- Unlimited commission free purchases abroad
- Manage account online
- Annual Fee: £0
Application Criteria
- Nationwide credit cards are just for members. You are a member when you have a current account, mortgage or savings account with Nationwide
- Nationwide Select Credit Card is only available to members who hold their main current account with Nationwide
- You have been living in the UK for the last 12 months
- You have a gross income each year of more than £5000
- You have a good credit history
- You are aged 18 or over
Customers looking for the best 0% credit card 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
- No recent missed payments
These 0% credit card deals and offers 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 may withdraw a customer’s introductory 0% credit card offers, if they are late in making any monthly payment.
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