0% Credit Card Offers

What 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

M&S Transfer Plus Credit Card*

Balance Transfers:

0% for 28 months

Balance Transfer Fee:

2.85%

Purchases:

0% for 6 months

Representative APR:

19.9% APR (variable)

Credit Card Details

M&S Transfer Plus Credit Card*

• 0% for 28 months on balance transfers made within 90 days of account opening
• 2.85% 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

M&S Transfer Plus Credit Card*

• 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

M&S Shopping Plus Credit Card*

Balance Transfers:

0% for 20 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 months

Representative APR:

19.9% APR (variable)

Credit Card Details

M&S Shopping Plus Credit Card*

• 0% for 20 months on balance transfers made within 90 days of account opening
• 2.9% balance transfer fee, minimum £5
• 0% on purchases for 20 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

M&S Shopping Plus Credit Card*

• 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

Nationwide Credit Card just for Nationwide members*

Balance Transfers:

0% for 12 months

Balance Transfer Fee:

0%

Purchases:

0% for 12 months

Representative APR:

17.9% APR (variable)

Credit Card Details

Nationwide Credit Card just for Nationwide members*

• 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
• 0% on purchases for 12 months from account opening
• Commission free allowance on purchases abroad (subject to terms)
• Manage account online
• Annual Fee: £0

Application Criteria

Nationwide Credit Card just for Nationwide members*

• Nationwide credit cards are just for members. You are a member when you have a current account, mortgage or savings 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

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

M&S Shopping Plus Credit Card*

Purchases:

0% for 20 months

Balance Transfers:

0% for 20 months

Balance Transfer Fee:

2.9%

Representative APR:

19.9% APR (variable)

Credit Card Details

M&S Shopping Plus Credit Card*

• 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

M&S Shopping Plus Credit Card*

• 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

Nationwide Select Credit Card just for Nationwide members*

Purchases:

0% for 12 months

Balance Transfers:

0% for 12 months

Balance Transfer Fee:

0%

Representative APR:

15.9% APR (variable)

Credit Card Details

Nationwide Select Credit Card just for Nationwide members*

• 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 Select Credit Card just for Nationwide members*

• 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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