Comparing UK 0% credit cards online since 2002What are the 0% credit card offers currently available to UK customers in 2020?
The UK credit card market is very competitive with many firms competing for new customers.
As a result, the 0% credit card offers available are constantly changing. New 0% credit card deals and offers are are introduced regularly.
There are now some competitive 0% credit card deals and offers 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 few 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 offers for balance transfers:-
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0% Credit Card Offers
Credit Card Details
- 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
Application Criteria
- 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
0% Credit Card Offers
Credit Card Details
- 0% interest for up to 30 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
Application Criteria
- 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
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 offers for purchases:-
0% Credit Card Offers
Credit Card Details
- 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
Application Criteria
- 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
0% Credit Card Offers
Credit Card Details
- 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
Application Criteria
- 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
Customers looking for the best 0% credit 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 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 can withdraw a customer’s introductory 0% credit card offers, if they are late in making any monthly payment.
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