0% Credit Cards

Balance Transfers

0% Credit Cards for Balance Transfers

Displayed below is every UK credit card currently available online that has a 0% introductory offer on balance transfers.


Purchases

0% Credit Cards for Purchases

Displayed below is every UK credit card currently available online that has a 0% introductory offer on purchases.


0% Credit Cards with 39 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 39 months
Balance Transfer Fee:
0%
Purchases:
0% for 6 months
Representative APR:
21.7% APR (variable)
More Information

Credit Card Details

Santander All in One Credit Card
  • 0% on balance transfers for 39 month from date of account opening
  • 0% balance transfer fee
  • 0% on purchases for 6 month from date of account opening
  • 0.5% cashback on all of your purchases
  • No foreign transaction fee on purchases made abroad
  • Cashback through Retailer Offers
  • Monthly Fee: £3
More Information

Application Criteria

Santander All in One Credit Card
  • You live in the UK permanently
  • You have a good credit record
  • You have an income of £7,500 per year or more
  • You are 18 years of age or more
More Information
Monthly fee payable of £3
Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee payable of £3
0% Credit Cards with 38 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 38 months
Balance Transfer Fee:
1.4%
Purchases:
0% for 6 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Barclaycard Platinum 38 Month Credit Card
  • 0% interest on balance transfers for 38 months from account opening
  • Fee of 3.5% will be applied, then reduced to 1.4% by a refund (terms apply)
  • 0% interest on purchases for 6 months from opening your account
  • Contactless payment technology for purchases of £30 or under
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Barclaycard Platinum 38 Month Credit Card
  • You have a permanent UK address
  • You have a regular income of more than £20,000 pa
  • You have an excellent credit rating
  • You have no history of bankruptcy or late payments
  • You are aged 21 or over
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 Cards with 37 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for up to 37 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Post Office Money Balance Transfer Credit Card*
  • 0% for up to 37 months on balance transfers made within 3 months of account opening
  • 1.99% balance transfer fee applies
  • 0% on all purchases for the first three months
  • No cash fee to buy travel money at the Post Office
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: £0
More Information

Application Criteria

Post Office Money Balance Transfer Credit Card*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
A 1.99% fee applies and balance transfers must be made within 3 months of account opening
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

0% Credit Card Offers

Balance Transfers:
0% interest for up to 37 months
Balance Transfer Fee:
1.89%
Purchases:
N/A
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

MBNA Platinum Credit Card
  • 0% interest for up to 37 months on balance transfers
  • 1.89% balance transfer fee for the first 60 days and 5% fee thereafter
  • No purchases offer with this card
  • Contactless payments to quickly and securely pay for purchases under £30
  • Online card servicing
  • Annual Fee: £0
More Information

Application Criteria

MBNA Platinum 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
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)
The product, APR and promotional offer you could get may differ from the example

0% Credit Card Offers

Balance Transfers:
0% for 37 Months
Balance Transfer Fee:
1.95%
Purchases:
0% for 3 Months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Virgin Money 37 Month Balance Transfer Credit Card
  • 0% for 37 months on balance transfers from date your account is opened
  • 1.95% balance transfer fee (min £3) in first 60 days, 5% fee after 60 days (min £5)
  • 0% for 3 months on purchases from date your account is opened
  • Discounts on Virgin holidays, Virgin media and Virgin trains
  • Contactless payment technology for purchases of £30 or under
  • Choice of card designs
  • Annual fee for card: None
More Information

Application Criteria

Virgin Money 37 Month Balance Transfer Credit Card
  • You have a permanent UK address
  • You have a bank or building society account
  • You have a good credit rating
  • You are aged 18 or over
More Information
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 Card Offers

Balance Transfers:
0% interest for 37 months
Balance Transfer Fee:
2.89%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Balance Transfer Credit Card
  • 0% interest on balance transfers for first 37 months
  • 2.89% balance transfer fee in first 3 months, 3% afterwards, minimum £3
  • 0% interest on purchases for 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: £0
More Information

Application Criteria

Sainsbury’s Balance Transfer 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
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% interest for 37 months
Balance Transfer Fee:
3.49%
Purchases:
N/A
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Nuba Transfer Credit Card
  • 0% interest for up to 37 months on balance transfers made within first 60 days
  • 3.49% balance transfer fee for the first 60 days and 5% fee thereafter
  • No purchases offer with this card
  • You cannot transfer a balance from another MBNA card
  • Contactless technology for payments up to £30
  • Annual Fee: £0
More Information

Application Criteria

Nuba Transfer 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
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)
The product, APR and promotional offer you could get may differ from the example
0% Credit Cards with 36 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for up to 36 months
Balance Transfer Fee:
2.5%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Halifax 36 Month Credit Card
  • 0% for up to 36 months from account opening on balance transfers made in first 90 days
  • 2.5% balance transfer fee in first 90 days (after 0.5% refund), 3% fee applies after 90 days
  • 0% for 3 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Manage your card online using Online Banking and Mobile Banking
  • Annual Fee: £0
More Information

Application Criteria

Halifax 36 Month Credit Card
  • 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
More Information
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)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% interest for up to 36 months
Balance Transfer Fee:
2.69%
Purchases:
0% interest for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Tesco Clubcard Credit Card for Balance Transfers
  • 0% interest for up to 36 months on balance transfers made within the first 90 days of opening your account
  • 2.69% balance transfer fee in first 90 days, 3% 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: £0
More Information

Application Criteria

Tesco Clubcard Credit Card for Balance Transfers
  • You have an annnual 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 do not 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
More Information
2.69% balance transfer fee in first 90 days, 3% fee after 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
The APR, length of promotional period, and credit limit may vary as they are dependent on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% for 36 months
Balance Transfer Fee:
2.89%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s 36 Month Balance Transfer Credit Card
  • 0% interest on balance transfers for first 36 months
  • 2.89% balance transfer fee in first 3 months, 3% afterwards, minimum £3 at all times
  • 0% interest on purchases for 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: £0
More Information

Application Criteria

Sainsbury’s 36 Month Balance Transfer 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
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 36 Months
Balance Transfer Fee:
2.9%
Purchases:
0% for 3 Months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Virgin Money 36 Month Money Transfer Credit Card
  • 0% for 36 months on balance transfers from date your account is opened
  • 2.9% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% for 3 months on purchases from date your account is opened
  • Discounts on Virgin holidays, Virgin media and Virgin trains
  • Contactless payment technology for purchases of £30 or under
  • Choice of card designs
  • Annual fee for card: None
More Information

Application Criteria

Virgin Money 36 Month Money Transfer Credit Card
  • You have a permanent UK address
  • You have a bank or building society account
  • You have a good credit rating
  • You are aged 18 or over
More Information
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 Card Offers

Balance Transfers:
0% for up to 36 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Bank of Scotland 36 Month Credit Card
  • 0% for up to 36 months from account opening on balance transfers made within first 90 days
  • 3% balance transfer fee
  • 0% for 3 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Manage your card online using Internet Banking and Mobile Banking
  • Annual Fee: £0
More Information

Application Criteria

Bank of Scotland 36 Month Credit Card
  • You are a UK resident
  • You have a regular income
  • You are aged 18 or over
More Information
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)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% for up to 36 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Lloyds Platinum 36 Month Credit Card
  • 0% for up to 36 months from account opening on balance transfers
  • 3% balance transfer fee
  • 0% for 3 months from account opening on purchases
  • Lloyds Bank Clicksafe and Internet fraud protection
  • Online servicing with Internet Banking
  • Annual Fee: £0
More Information

Application Criteria

Lloyds Platinum 36 Month Credit Card
  • You are a UK resident
  • You have a regular income
  • You are free from any county court judgements
  • You are aged 18 or over
More Information
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)
The APR and length of the promotional offer are dependent on your personal circumstances
0% Credit Cards with 33 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for up to 33 months
Balance Transfer Fee:
0.57%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Lloyds Platinum 33 Month Credit Card
  • 0% for up to 33 months from account opening on balance transfers
  • 0.57% fee applies (after 2.43% refund) on balance transfers made in first 90 days, 3% fee applies after first 90 days
  • 0% for 3 months from account opening on purchases
  • Lloyds Bank Clicksafe and Internet fraud protection
  • Online servicing with Internet Banking
  • Annual Fee: £0
More Information

Application Criteria

Lloyds Platinum 33 Month Credit Card
  • You are a UK resident
  • You have had a permanent UK address for 3 years or more
  • You have a good credit rating/history
  • You are aged 18 or over
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)
APR and Promotional periods may vary depending on your personal circumstances

0% Credit Card Offers

Balance Transfers:
0% interest for 33 months
Balance Transfer Fee:
0.59%
Purchases:
0% interest for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Low Balance Transfer Fee Credit Card
  • 0% interest on balance transfers for first 33 months
  • 1.5% balance transfer fee reduced to 0.59% by refund in first 3 months, 3% afterwards, minimum £3
  • 0% interest on purchases for 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: £0
More Information

Application Criteria

Sainsbury’s Low Balance Transfer Fee 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
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
0% Credit Cards with 32 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
0.99%
Purchases:
0% for 6 months
Representative APR:
18.9% 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: 18.9% 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 32 months
Balance Transfer Fee:
1.4%
Purchases:
0% for 3 months
Representative APR:
18.9% 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
£25 cashback when you apply for this card by 22nd Dec 2017 and use it to make a payment via Apple Pay within 30 days of opening the card account, terms and conditions apply
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Credit is subject to status

0% Credit Card Offers

Balance Transfers:
0% for up to 32 months
Balance Transfer Fee:
0.55%
Purchases:
N/A
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

MBNA Platinum Handling Fee Credit Card
  • 0% interest for up to 32 months on balance transfers
  • 0.55% balance transfer fee for the first 60 days and 5% fee thereafter
  • No purchases offer with this card
  • Contactless payments to quickly and securely pay for purchases under £30
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

MBNA Platinum Handling Fee Credit Card
  • You are a UK resident
  • You have had a permanent UK address for 3 years or more
  • You have a good credit rating/history
  • You are aged 18 or over
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:
0.6%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

HSBC Adavance Credit Card
  • 0% interest for 32 months on balance transfers made within 60 days of account opening
  • 0.6% 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 Adavance Credit Card
  • You are a HSBC Advance Account customer
  • 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
More Information
ONLY available to HSBC Advance Account customers
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Credit is subject to status

0% Credit Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
0.6%
Purchases:
0% for 3 months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Virgin Money 32 Month Balance Transfer Credit Card
  • 0% for 32 months on balance transfers from account opening
  • 0.60% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% for 3 months on purchases from account opening
  • Discounts on Virgin holidays, Virgin media and Virgin trains
  • Contactless payment technology for purchases of £30 or under
  • Choice of card designs
  • Annual fee for card: None
More Information

Application Criteria

Virgin Money 32 Month Balance Transfer Credit Card
  • You have a permanent UK address
  • You have a bank or building society account
  • You have a good credit rating
  • You are aged 18 or over
More Information
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)