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 has been very competitive with many firms competing for new customers. The Coronavirus pandemic has however reduced the number of 0% credit cards available.
As a result, the 0% credit card offers available 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:-
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0% Credit Card Offers
Credit Card Details
- 0% interest on balance transfers for up to 27 months
- 3% balance transfer fee (minimum £3) 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 29 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 deals 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% 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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