Comparing UK 0% credit cards online since 2002Balance 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 32 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.4%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
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
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
£25 cashback when use card for either purchases or balance transfer for minimum of £300 within 60 days of account opening (terms apply)
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)
Credit is subject to status
0% Credit Card Offers
Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.3%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
HSBC Adavance Credit Card
- 0% interest for 32 months on balance transfers made within 60 days of account opening
- 1.3% 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
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
ONLY available to HSBC Advance Account customers
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)
Credit is subject to status
0% Credit Card Offers
Balance Transfers:
0% for up to 32 months
Balance Transfer Fee:
2%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Post Office Money Balance Transfer Credit Card
- 0% for up to 32 months on balance transfers made within 3 months of account opening
- 2% 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
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
A 2% fee applies and balance transfers must be made within 3 months of account opening
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender
0% Credit Cards with 30 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 30 months
Balance Transfer Fee:
0%
Purchases:
0% for 30 months
Representative APR:
21.7% APR (variable)
Credit Card Details
Santander All in One Credit Card
- 0% on balance transfers for 30 month from date of account opening
- 0% balance transfer fee
- 0% on purchases for 30 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
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
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 Card Offers
Balance Transfers:
0% interest for 30 months
Balance Transfer Fee:
3%
Purchases:
0% interest for 3 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Sainsbury’s 30 Month Credit Card
- 0% interest on balance transfers for first 30 months
- 3% balance transfer fee (minimum £3) in first 3 months
- 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
Application Criteria
Sainsbury’s 30 Month 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: 19.9% 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 29 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 29 months
Balance Transfer Fee:
1.75%
Purchases:
0% for 3 months
Representative APR:
20.9% APR (variable)
Credit Card Details
Virgin Money 29 Month Balance Transfer Credit Card
- 0% for 29 months on balance transfers from account opening
- 1.75% 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
Application Criteria
Virgin Money 29 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
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 29 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 6 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Barclaycard Platinum 29 Month Credit Card
- 0% interest on balance transfers for 29 months from account opening
- Fee of 3.5% will be applied, then reduced to 1.99% 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
Application Criteria
Barclaycard Platinum 29 Month Credit Card
- You have a permanent UK address
- You have a regular income of more than £20,000 pa
- You have a good credit rating
- You have no history of bankruptcy or late payments
- You are aged 21 or over
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 28 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 28 months
Balance Transfer Fee:
0.99%
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
- 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
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
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 up to 28 months
Balance Transfer Fee:
1%
Purchases:
N/A
Representative APR:
19.9% APR (variable)
Credit Card Details
MBNA Platinum Credit Card
- 0% interest for up to 28 months on balance transfers
- 1% 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
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
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% interest for up to 28 months
Balance Transfer Fee:
2.69%
Purchases:
0% interest for 3 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Tesco Clubcard Credit Card for Balance Transfers
- 0% interest for up to 28 months on balance transfers made within the first 90 days of opening your account
- 2.69% 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: £0
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
2.69% balance transfer fee in first 90 days, 3.99% fee after 90 days
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 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 up to 28 months
Balance Transfer Fee:
2.72%
Purchases:
0% for up to 28 months
Representative APR:
19.9% APR (variable)
Credit Card Details
MBNA All Round Credit Card
- 0% interest for up to 28 months on balance transfers
- 2.72% balance transfer fee for the first 60 days and 5% fee thereafter
- 0% interest for up to 28 months on card purchases
- Contactless payments to quickly and securely pay for purchases under £30
- Online card servicing
- Annual Fee: £0
Application Criteria
MBNA All Round 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
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 up to 28 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Halifax 28 Month Credit Card
- 0% for up to 28 months from account opening on balance transfers made in 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 Online Banking and Mobile Banking
- Annual Fee: £0
Application Criteria
Halifax 28 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
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 28 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Lloyds Platinum 28 Month Credit Card
- 0% for up to 28 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
Application Criteria
Lloyds Platinum 28 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
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 Card Offers
Balance Transfers:
0% for up to 28 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 28 months
Representative APR:
20.9% APR (variable)
Credit Card Details
Sainsbury’s Dual Offer Credit Card
- 0% interest on balance transfers for up to 28 months
- 3% balance transfer fee, minimum £3
- 0% interest on purchases for up to 28 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
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: 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 27 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 27 months
Balance Transfer Fee:
0%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
Credit Card Details
Santander Everyday Credit Card
- 0% on balance transfers for 27 months from date of account opening
- 0% balance transfer fee
- 0% on purchases for 3 months from date of account opening
- Cashback through Retailer Offers
- Online account management
- Annual Fee: £0
Application Criteria
Santander Everyday 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
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 27 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 6 months
Representative APR:
18.9% APR (variable)
Credit Card Details
Barclaycard Platinum 27 Month Credit Card
- 0% interest on balance transfers for 27 months from account opening
- Fee of 3.5% will be applied, then reduced to 1.5% by a refund, (terms apply)
- 0% interest on purchases for 6 months from account opening
- Contactless payment technology for purchases of £30 or under
- Online account servicing
- Annual Fee: £0
Application Criteria
Barclaycard Platinum 27 Month Credit Card
- You are a UK resident
- You have a personal income of more than £20,000 pa
- You have a good credit rating
- You have no history of bankruptcy or late payments
- You are aged 21 or over
Representative Example: 18.9% 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 27 months
Balance Transfer Fee:
2.29%
Purchases:
None
Representative APR:
18.9% APR (variable)
Credit Card Details
first direct Credit Card
- 0% on balance transfers for 27 months if transfer balance within 3 months of account open
- 2.29% balance transfer fee, minimum £5
- This card has no purchases offer
- Option of regular text message mini-statements direct to your mobile phone
- Protection against internet fraud on transactions made without your consent
- Annual Fee: £0
Application Criteria
first direct Credit Card
- You are a first direct current account holder
- You are a UK resident
- You are aged 18 or over
This card is ONLY available to first direct current 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)
0% Credit Card Offers
Balance Transfers:
0% for 27 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 27 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Barclaycard Platinum All Rounder Credit Card
- 0% interest on balance transfers for 27 months from account opening
- Fee of 3.5% will be applied, then reduced to 2.7% by a refund (terms apply)
- 0% interest on purchases for 27 months from account opening
- Contactless payment technology for purchases of £30 or under
- Online account servicing
- Annual Fee: £0
Application Criteria
Barclaycard Platinum All Rounder Credit Card
- You are a UK resident
- You have a regular income of more than £20,000 pa
- You have a good credit rating
- You have no history of bankruptcy or late payments
- You are aged 21 or over
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 26 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 26 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 26 months
Representative APR:
18.9% APR (variable)
Credit Card Details
Virgin Money 26 Month All Round Credit Card
- 0% for 26 months on balance transfers from account opening
- 2.9% balance transfer fee in first 60 days, 5% fee applies after 60 days
- 0% for 26 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
Application Criteria
Virgin Money 26 Month All Round 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
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 Cards with 25 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 25 months
Balance Transfer Fee:
2.89%
Purchases:
0% for 25 months
Representative APR:
19.9% APR (variable)
Credit Card Details
Post Office Money Matched Credit Card
- 0% for 25 months on balance transfers made within 3 months of account opening
- 2.89% balance transfer fee
- 0% on purchases for first 25 months
- No cash fee when you purchase Post Office Travel Money
- Manage your account 24/7 with Post Office Money mobile app
- Annual Fee: £0
Application Criteria
Post Office Money Matched 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
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender