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.
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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 35 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 35 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 35 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 33 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for up to 33 months
Balance Transfer Fee:
2.69%
Purchases:
N/A
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest for up to 33 months on balance transfers
- 2.69% 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 Cards with 32 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% interest for up to 32 months
Balance Transfer Fee:
2.59%
Purchases:
N/A
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest for up to 32 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 up to 32 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest on balance transfers for up to 30 months
- 1.5% balance transfer fee on transfers made at application (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 31 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 31 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 31 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 Card Offers
Balance Transfers:
0% for 31 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
HSBC Balance Transfer*
- 0% interest for 31 months on balance transfers made within first 60 days of account opening
- 2.7% 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
£25 cash back when you successfully apply. Spend or balance transfer over £100 within 60 days of opening account. New customers only. Offer ends 13th Feb 2022.
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 31 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
20.9% APR (variable)
Credit Card Details
- 0% intertest for 31 months on balance transfers from account opening
- 2.75% 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: 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 31 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 9 months
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% for 31 months from account opening on balance transfers made in first 90 days
- 2.99% 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 21.93% 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:
1.5%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
Credit Card Details
- 0% interest on balance transfers up to 30 months
- 1.5% balance transfer fee (£3 minimum) applies 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
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: 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 30 months
Balance Transfer Fee:
2.98%
Purchases:
N/A
Representative APR:
21.9% 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: 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 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
- 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% for up to 28 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest on balance transfers up to your first 28 months
- 1% or 1.5% balance transfer fee (£3 minimum) applies on transfers made at application, depending on your individual cirumstances
- 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 27 Months on Balance Transfers
0% Credit Card Offers
Balance Transfers:
0% for 27 months
Balance Transfer Fee:
2.29%
Purchases:
N/A
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
- 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
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% interest for up to 27 months
Balance Transfer Fee:
1.19%
Purchases:
N/A
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest for up to 27 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)
0% Credit Card Offers
Balance Transfers:
0% for up to 27 months
Balance Transfer Fee:
1.28%
Purchases:
N/A
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest on balance transfers for up to 27 months from account opening
- 1.15% 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
