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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.


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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 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 34 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for up to 34 months
Balance Transfer Fee:
2.99%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% interest for up to 34 months on balance transfers
  • 2.99% 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 £100
  • Online card servicing
  • Annual Fee: None

Application Criteria

  • 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.93% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 34 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 9 months
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% for 34 months from account opening on balance transfers made in first 90 days
  • 3.49% 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

  • 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.94% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 34 months
Balance Transfer Fee:
3.88%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% interest on balance transfers for up to 34 months
  • 2.88% or 3.88% balance transfer fee on transfers made within first 3 months (minimum £3)
  • 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
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 33 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 33 months
Balance Transfer Fee:
2.84%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 33 months on balance transfers made within first 60 days of account opening
  • 2.84% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 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 Balance Transfer*
  • 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: 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, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% interest for up to 33 months
Balance Transfer Fee:
2.59%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% interest for up to 33 months on balance transfers made within the first 90 days of opening your account
  • 2.59% balance transfer fee in first 90 days, 3.99% fee after 90 days
  • No purchases offer with this card
  • 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

  • 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: 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 33 months
Balance Transfer Fee:
2.65%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% intertest for 33 months on balance transfers from account opening
  • 2.65% balance transfer fee, minimum £5
  • 0% interest for 3 months on purchases from account opening
  • Cashback through Retailer Offers
  • Online account management
  • Annual Fee: None

Application Criteria

  • You are a permanent resident of the UK
  • 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
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 33 months
Balance Transfer Fee:
2.94%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% on balance transfers for 33 months from the date your account is opened
  • 2.94% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 3 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 £100
  • Online card servicing
  • Annual Fee: None

Application Criteria

  • 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 21.9% 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:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 1.99% balance transfer fee, minimum £5
  • 0% on purchases for 3 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 Transfer 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 Cards with 31 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for up to 31 months
Balance Transfer Fee:
2.98%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% interest on balance transfers up to 31 months
  • 1.98% or 2.98% balance transfer fee applies on transfers made within first 3 months (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: 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
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 30 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for up to 30 months
Balance Transfer Fee:
2.98%
Purchases:
N/A
Representative APR:
22.9% APR (variable)

Credit Card Details

  • 0% interest on balance transfers for up to 29 months from account opening
  • 2.98% balance transfer fee applies
  • No offer on purchases for this card
  • Contactless payment technology for purchases of £100 or under
  • Online account management
  • Annual Fee: None

Application Criteria

  • 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: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
0% Credit Cards with 29 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for up to 29 months
Balance Transfer Fee:
2%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% interest on balance transfers up to 29 months
  • 1% or 2% balance transfer fee applies on transfers made within first 3 months (minimum £3)
  • 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
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 28 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
1%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer Low Fee*
  • 0% interest for 28 months on balance transfers made within first 60 days of account opening
  • 1% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer Low Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
Low Balance Transfer Fee
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, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
0.99%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% interest for up to 28 months on balance transfers
  • 0.99% 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 £100
  • Online account management
  • Annual Fee: None

Application Criteria

  • You are a UK resident
  • You have a good credit rating/history
  • You have had a permanent UK address for 3 years or more
  • 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 21.93% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
1%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% on balance transfers for 28 months from the date your account is opened
  • 1% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 3 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 up to £100
  • Online card servicing
  • Annual Fee: None

Application Criteria

  • 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 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% interest for up to 28 months
Balance Transfer Fee:
1.19%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Credit Card Details

  • 0% interest for up to 28 months on balance transfers from account opening
  • 1.19% balance transfer fee
  • No purchases offer with this card
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Online account management
  • Annual Fee: None

Application Criteria

  • 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)