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.


0% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

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 29 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
No offer
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

MBNA Balance Transfer Credit Card
  • 0% interest for up to 29 months on balance transfers
  • 2.75% 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: None
More Information

Application Criteria

MBNA Balance 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
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.93% 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:
2.85%
Purchases:
0% for 6 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

M&S Transfer Plus
  • 0% for 28 months on balance transfers made within 90 days of account opening
  • 2.85% 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: None
More Information

Application Criteria

M&S Transfer Plus
  • 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: 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 28 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

NatWest Longer Balance Transfer
  • 0% on balance transfers for 28 months from account opening
  • 2.75% 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
More Information

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
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
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 28 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

RBS Longer Balance Transfer Credit Card
  • 0% on balance transfers for 28 months from account opening
  • 2.75% 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
More Information

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
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with RBS
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 28 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Ulster Bank Longer Balance Transfer
  • 0% on balance transfers for 28 months from account opening
  • 2.75% 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
More Information

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
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with Ulster Bank
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:
2.95%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Balance Transfer
  • 0% interest for up to 28 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
More Information

Application Criteria

TSB Platinum Balance Transfer
  • 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
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)
0% Credit Cards with 27 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 27 months
Balance Transfer Fee:
2.29%
Purchases:
No offer
Representative APR:
18.9% APR (variable)
More Information

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
  • No introductory offer on purchases
  • Option of regular text message mini-statements direct to your mobile phone
  • Protection against internet fraud on transactions made without your consent
  • Annual Fee: None
More Information

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
More Information
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:
2.69%
Purchases:
0% for 27 months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

MBNA Transfer and Purchase Credit Card
  • 0% interest for up to 27 months on balance transfers
  • 2.69% balance transfer fee for the first 60 days and 5% fee thereafter
  • 0% interest for up to 27 months on card purchases
  • Contactless payments to quickly and securely pay for purchases under £30
  • Online card servicing
  • Annual Fee: None
More Information

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
More Information
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 26 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 26 Month
Balance Transfer Fee:
0%
Purchases:
0% for 26 months
Representative APR:
21.7% APR (variable)
More Information

Credit Card Details

Santander All in One Credit Card
  • 0% interest on balance transfers for 26 month from date account opened
  • 0% balance transfer fee
  • 0% interest on purchases for 26 month from date account opened
  • 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
More Information

Application Criteria

Santander All in One Credit Card
  • 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
More Information
Monthly fee of £3 payable
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 of £3 payable

0% Credit Card Offers

Balance Transfers:
0% for 26 months
Balance Transfer Fee:
1%
Purchases:
No offer
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

MBNA Low Fee Balance Transfer
  • 0% interest for up to 26 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 account management
  • Annual Fee: None
More Information

Application Criteria

MBNA Low Fee Balance Transfer
  • 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
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.93% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
1.2%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Halifax Low Fee Balance Transfer
  • 0% for up to 26 months from account opening on balance transfers within first 90 days
  • 1.2% 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
More Information

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
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)

0% Credit Card Offers

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
1.4%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Bank of Scotland 26 Month Platinum
  • 0% for up to 26 months from account opening on balance transfers made within first 90 days
  • 1.4% 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
More Information

Application Criteria

Bank of Scotland 26 Month 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
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)

0% Credit Card Offers

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
1.4%
Purchases:
0% for 9 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Lloyds Platinum 26 Month Credit Card
  • 0% for up to 24 months on balances transferred in the first 90 days
  • 1.4% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
  • 0% on purchases for 12 months from account opening
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Lloyds Platinum 26 Month 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
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)

0% Credit Card Offers

Balance Transfers:
0% interest for up to 26 months
Balance Transfer Fee:
2.98%
Purchases:
0% interest for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Tesco Clubcard Credit Card for Balance Transfers
  • 0% interest for up to 26 months on balance transfers made within the first 90 days of opening your account
  • 2.98% 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
More Information

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
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 up to 26 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Balance Transfer
  • 0% interest on balance transfers for up to 26 months
  • 3% balance transfer fee 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
More Information

Application Criteria

Sainsbury’s Balance Transfer
  • 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
To apply for a credit card you must be a Nectar member and should have been one for at least 6 months
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 Cards with 25 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 25 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

HSBC Balance Transfer
  • 0% interest on balance transfers for 25 months made within first 60 days of account opening
  • 1.5% balance transfer fee (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
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

HSBC Balance Transfer
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
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 up to 25 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Low Fee Balance Transfer
  • 0% interest on balance transfers up to your first 25 months
  • 1.99 % balance transfer fee on transfers made at application
  • 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
More Information

Application Criteria

Sainsbury’s Low Fee Balance Transfer
  • 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
To apply for a credit card you must be a Nectar member and should have been one 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 24 Months on Balance Transfers

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
1.25%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

Virgin Money 24 Month Credit Card
  • 0% on balance transfers for 24 months from the date your account is opened
  • 1.25% 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 £30
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Virgin Money 24 Month Credit Card
  • 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
More Information
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 up to 24 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
More Information

Credit Card Details

Capital One 24 Month
  • 0% on balance transfers for up to 24 months
  • 2.9% balance transfer fee
  • 0% on purchases for 3 months
  • Credit limit up to £8,000
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Capital One 24 Month
  • You are a UK resident
  • You have had credit cards in the past
  • You are a home owner
  • You have an income of more than £20,000 per year
  • You are aged 18 or over
More Information
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.93% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Credit Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
More Information
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)