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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 number of 0% credit cards available to new customers has reduced over the last few years.

In part this was due to consolidation among the the UK credit card providers, due to mergers and takeovers. The Coronavirus pandemic has further also further reduced the number of cards available.

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

Most customers now apply online for a new UK credit card. As a result, many cards are now instant approval credit cards. These cards can provide instant feedback on whether the customer has been accepted, at the end of the application.

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

  • 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. This balance transfer is usually made to a new card that offers a long 0% introductory deal on 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. This fee is calculated as a % of the total balance transfer amount.

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. This is typically around 21.9% APR variable, on most UK 0% credit cards.

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)

Credit Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
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)

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)

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
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

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £45
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
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 21.9% APR variable, on most UK 0% credit cards.

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

Purchases:
0% for 22 months
Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% on purchases for 22 months from account opening
  • 0% for 22 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
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
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)

0% Credit Card Offers

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
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

Customers looking for the best 0% card deals and offers including credit cards with high limits, 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

The 0% credit card deals in the UK are available on credit cards with both MasterCard and Visa branding. Millions of locations worldwide will accept both Visa and Mastercard 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: July 29, 2021, Updated: October 11, 2021 by 0% Credit Card Expert

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