0% Credit Card Offers

What are the latest 0% credit card offers available to UK customers in 2018?

0% Credit Card OffersThe 0% credit card offers available in what is now 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 long 0% credit card offers for balance transfers:-

0% Credit Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
0.99%
Purchases:
0% for 6 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

M&S Transfer Plus Credit Card*
  • 0% for 32 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
More Information

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
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.4%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

HSBC Credit Card*
  • 0% interest for 32 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
More Information

Application Criteria

HSBC Credit Card*
  • 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
More Information
Offer: £25 cashback between 10th September and 9th November 2018. Subject to terms and conditions
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
Credit is subject to status

0% Credit Card Offers

Balance Transfers:
0% for 12 months
Balance Transfer Fee:
0%
Purchases:
0% for 12 months
Representative APR:
17.9% APR (variable)
More Information

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
More Information

Application Criteria

Nationwide Credit Card just for Nationwide members*
  • Our credit cards are just for members. Youre a member when you have a current account, mortgage or savings account with us
  • 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
More Information
Representative Example: 17.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)

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.

There are currently no available 0% purchase credit cards for 36 months or longer. However all of the following featured UK credit cards do currently have long 0% credit card offers for purchases:-

0% Credit Card Offers

HSBC Dual Credit Card*
Purchases:
0% for 26 months
Balance Transfers:
0% for 26 months
Balance Transfer Fee:
2.89%
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Dual Credit Card*
  • 0% on purchases for 26 months from account opening
  • 0% interest for 26 months on balance transfers made within 60 days of account opening
  • 2.89% balance transfer fee (minimum £5)
  • 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
More Information

Application Criteria

HSBC Dual Credit Card*
  • 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
More Information
Offer: £25 cashback between 10th September and 9th November 2018. Subject to terms and conditions
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

0% Credit Card Offers

M&S Shopping Plus Credit Card*
Purchases:
0% for 25 months
Balance Transfers:
0% for 25 months
Balance Transfer Fee:
2.9%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

M&S Shopping Plus Credit Card*
  • 0% on purchases for 25 months from account opening
  • 0% for 25 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
More Information

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
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

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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