0% Credit Card Offers

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

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:-

0% Credit Card Offers

HSBC Balance Transfer*

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

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

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

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)

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

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

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)

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

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

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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