Comparing UK 0% credit cards online since 20020% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.
0% Credit Cards with 23 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for up to 23 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Halifax Low Fee Balance Transfer
- 0% for up to 26 months from account opening on balance transfers within first 90 days
- 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening.
- 0% for first 9 months from account opening on purchases
- Cover against online fraud when purchasing on the Internet
- Online account management
- Annual Fee: None
Application Criteria
Halifax Low Fee Balance Transfer
- You are a UK resident
- You have a regular income
- You do not have any Count Court Judgements against you
- You are aged 18 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
0% Credit Card Offers
Balance Transfers:
0% for 23 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
NatWest Longer Balance Transfer
- 0% on balance transfers for 23 months from account opening
- 1.99% balance transfer fee
- 0% on purchases for first 3 months from account opening
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
NatWest Longer Balance Transfer
- You are a NatWest customer
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
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 23 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
RBS Longer Balance Transfer Credit Card
- 0% on balance transfers for 23 months from account opening
- 1.99% balance transfer fee
- 0% on purchases for first 3 months from account opening
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
RBS Longer Balance Transfer Credit Card
- You are a RBS customer
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Only available to customers who have a current account, savings account, credit card or mortgage with RBS
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 23 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
Ulster Bank Longer Balance Transfer
- 0% on balance transfers for 23 months from account opening
- 1.99% balance transfer fee
- 0% on purchases for first 3 months from account opening
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
Ulster Bank Longer Balance Transfer
- You are a Ulster Bank customer
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Only available to customers who have a current account, savings account, credit card or mortgage with Ulster Bank
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 Cards with 22 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for up to 22 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Bank of Scotland Low Fee Platinum
- 0% for up to 22 months from account opening on balance transfers made within first 90 days
- 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
- 0% for 9 months from account opening on purchases
- Cover against online fraud when purchasing on the Internet
- Online account management
- Annual Fee: None
Application Criteria
Bank of Scotland Low Fee Platinum
- You are a UK resident
- You have a regular income
- You have not bankrupt or subject to an IVA and have no County Court Judgments
- You are aged 18 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
0% Credit Card Offers
Balance Transfers:
0% for up to 22 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Lloyds Platinum Low Fee Credit Card
- 0% for up to 22 months on balances transferred in the first 90 days
- 1.5% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
- 0% on purchases for 9 months from account opening
- Lloyds Clicksafe and Internet fraud protection
- Online card servicing
- Annual Fee: None
Application Criteria
Lloyds Platinum Low Fee Credit Card
- You are a UK resident
- You have a regular income
- You have a good credit history free from any county court judgements
- You are aged 18 or over
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.94% p.a. (variable)
0% Credit Card Offers
Balance Transfers:
0% interest for up to 22 months
Balance Transfer Fee:
2.99%
Purchases:
0% interest for 3 months
Representative APR:
20.9% APR (variable)
Credit Card Details
Tesco Clubcard Credit Card for Balance Transfers
- 0% interest for up to 22 months on balance transfers made within the first 90 days of opening your account
- 2.99% balance transfer fee in first 90 days, 3.99% fee after 90 days
- 0% interest for 3 months on purchases from account opening
- Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
- You can transfer up to 95% of your available credit limit
- Apply online and get a decision within 60 seconds
- Annual Fee: None
Application Criteria
Tesco Clubcard Credit Card for Balance Transfers
- You have an annual income of at least £5,000
- You are at least 18 years of age
- You have a good credit history
- You live in the UK, or have a British Forces Post Office address
- You don't currently hold more than 1 Tesco Bank Credit Card
- You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)
0% Credit Cards with 21 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for up to 21 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 21 months
Representative APR:
20.9% APR (variable)
Credit Card Details
Sainsbury’s Nectar Dual Offer Credit Card
- 0% interest on balance transfers for up to 21 months
- 3% balance transfer fee, minimum £3 on transfers made at application
- 0% interest on purchases for up to 21 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
Sainsbury’s Nectar Dual Offer Credit Card
- 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
For Nectar members only. You should have been a member for at least 6 months
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)
0% Credit Cards with 20 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 20 months
Representative APR:
21.9% APR (variable)
Credit Card Details
M&S Shopping Plus
- 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
- 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
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 20 months
Representative APR:
20.9% APR (variable)
Credit Card Details
MBNA Transfer and Purchase Credit Card
- 0% interest for up to 20 months on balance transfers
- 2.99% balance transfer fee for the first 60 days and 5% fee thereafter
- 0% interest for up to 20 months on card purchases
- Contactless payments to quickly and securely pay for purchases under £30
- Online card servicing
- Annual Fee: None
Application Criteria
MBNA Transfer and Purchase Credit Card
- You must be aged 18 or over
- You must hold a UK bank account
- You must have been a permanent UK resident for at least 3 years
- You must have a good credit rating and credit is subject to status
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.93% p.a. (variable)
0% Credit Cards with 19 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 19 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 19 months
Representative APR:
21.9% APR (variable)
Credit Card Details
Virgin Money 19Month All Round
- 0% on balance transfers for 19 months from the date your account is opened
- 2.9% balance transfer fee in first 60 days, 5% fee applies after 60 days
- 0% on purchases for 19 months from the date your account is opened
- Discounts on Virgin holidays, Virgin trains and Virgin experience days
- Contactless payments to quickly and securely pay for purchases under £30
- Online card servicing
- Annual Fee: None
Application Criteria
Virgin Money 19Month All Round
- You are a UK resident
- You have a bank or building society account
- You have a good credit history
- You are aged 18 or over
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
0% Credit Card Offers
Balance Transfers:
0% for up to 19 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 19 months
Representative APR:
21.9% APR (variable)
Credit Card Details
Sainsbury’s Dual Offer Credit Card
- 0% interest on balance transfers for up to 19 months
- 3% balance transfer fee, minimum £3 on transfers made at application
- 0% interest on purchases for up to 19 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
Sainsbury’s Dual Offer Credit Card
- 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
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% p.a. (variable)
0% Credit Cards with 18 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
Credit Card Details
HSBC Purchase Plus*
- 0% interest for 18 months on balance transfers made within first 60 days of account opening
- 2.9% balance transfer fee applies (minimum £5)
- 0% interest on purchases for 18 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 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
0% Credit Card Offers
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
0%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
NatWest Balance Transfer
- 0% on balance transfers for 18 months from account opening
- 0% balance transfer fee
- 0% on purchases for first 3 months from account opening
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
NatWest Balance Transfer
- You are a NatWest customer
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
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 18 months
Balance Transfer Fee:
0%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
RBS Balance Transfer Credit Card
- 0% on balance transfers for 18 months from account opening
- 0% balance transfer fee
- 0% on purchases for first 3 months from account opening
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
RBS Balance Transfer Credit Card
- You are a RBS customer
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Only available to customers who have a current account, savings account, credit card or mortgage with RBS
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)
