Comparing UK 0% credit cards online since 2002Purchases
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.
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.
0% Credit Cards with 24 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 24 months
Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.9%
Representative APR:
21.9% APR (variable)
Credit Card Details
M&S Shopping Plus*
- 0% on purchases for 24 months from account opening
- 0% for 24 months on balance transfers made within 90 days of account opening
- 2.9% balance transfer fee, minimum £5
- 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 Shopping 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
Purchases:
0% for 24 months
Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.89%
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest for up to 24 months on card purchases
- 0% interest for up to 24 months on balance transfers
- 2.89% balance transfer fee for the first 60 days and 5% fee thereafter
- 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 and credit is subject to status
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
Purchases:
0% for up to 24 months
Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3%
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest on purchases for up to 24 months
- 0% interest on balance transfers for up to 24 months
- 3% balance transfer fee, minimum £3 on transfers made at application
- Collect up to 3 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 Card Offers
Purchases:
0% for up to 24 months
Balance Transfers:
0% for up to 22 months
Balance Transfer Fee:
2.9%
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest on purchases for up to 24 months from account opening
- 0% interest on balance transfers for up to 22 months from account opening
- 2.9% balance transfer fee applies
- Contactless payment technology for purchases of £4100 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 23 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 23 months
Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.9%
Representative APR:
22.9% APR (variable)
Credit Card Details
HSBC Purchase Plus*
- 0% interest on purchases for 23 months from account opening
- 0% interest for 23 months on balance transfers made within first 60 days of account opening
- 2.9% balance transfer fee applies (minimum £5)
- 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 Purchase Plus*
- 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: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
0% Credit Card Offers
Purchases:
0% for 23 months
Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.49%
Representative APR:
21.9% APR (variable)
Credit Card Details
Ulster Bank Purchase & Balance Transfer
- 0% on purchases for 23 months from account opening
- 0% on balance transfers for 23 months from account opening
- 2.49% balance transfer fee
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
Ulster Bank Purchase & Balance Transfer
- You must have a current account, savings account, credit card or mortgage with Ulster Bank
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
To apply you must have a current account, savings account, credit card or mortgage with Ulster Bank
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
Purchases:
0% for 23 months
Balance Transfers:
0% for 26 months
Balance Transfer Fee:
0%
Representative APR:
24.7% APR (variable)
Credit Card Details
- 0% interest on purchases for 23 month from account opening
- 0% interest on balance transfers for 26 month from account opening
- 0% balance transfer fee
- 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
Application Criteria
- 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
£3 monthly account fee
Representative Example: 24.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable) with a monthly fee of £3 payable
0% Credit Card Offers
Purchases:
0% for 23 months
Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.49%
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% on purchases for 23 months from account opening
- 0% on balance transfers for 23 months from account opening
- 2.49% balance transfer fee
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
- You must have a current account, savings account, credit card or mortgage with NatWest
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
To apply you must have a current account, savings account, credit card or mortgage with NatWest
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
Purchases:
0% for 23 months
Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.49%
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% on purchases for 23 months from account opening
- 0% on balance transfers for 23 months from account opening
- 2.49% balance transfer fee
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Application Criteria
- You must have a current account, savings account, credit card or mortgage with RBS
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
To apply you must have a current account, savings account, credit card or mortgage with RBS
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
Purchases:
0% interest for up to 23 months
Balance Transfers:
0% interest for 3 months
Balance Transfer Fee:
2.99%
Representative APR:
20.9% APR (variable)
Credit Card Details
- 0% interest for for up to 23 months on purchases from account opening
- 0% interest for 3 months on balance transfers from account opening
- 2.99% balance transfer fee
- Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
- Apply online and get a decision within 60 seconds
- 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: 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 Cards with 21 Months on Purchases
0% Credit Card Offers
Purchases:
0% for up to 21 months
Balance Transfers:
0% for up to 18 months
Balance Transfer Fee:
2.99%
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% interest for up to17 months from account opening on purchases
- 0% for up to 17 months on balances transferred in the first 90 days
- 2.99% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening
- Lloyds Clicksafe and Internet fraud protection
- Online card servicing
- Annual Fee: None
Application Criteria
- 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
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 Cards with 20 Months on Purchases
0% Credit Card Offers
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
1.99%
Representative APR:
20.9% APR (variable)
Credit Card Details
- 0% on purchases for up to 20 months from account opening
- 0% on balance transfers for up to 20 month from account opening
- 1.99% balance transfer fee during first 90 days, 3.99% fee thereafter
- Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
- Apply online and get a decision within 60 seconds
- 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: 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 Cards with 19 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 19 months
Balance Transfers:
0% for 19 months
Balance Transfer Fee:
2.9%
Representative APR:
21.9% APR (variable)
Credit Card Details
- 0% on purchases for 19 months from the date your account is opened
- 0% on balance transfers for 19 months from the date your account is opened
- 2.9% balance transfer fee in first 60 days, 5% fee applies after 60 days
- 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 18.9% p.a. (variable)
0% Credit Cards with 18 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 18 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
0%
Representative APR:
49.8% APR (variable)
Credit Card Details
- 0% for 18 months on purchases from date of account opening
- 0% for 18 months on balance transfers from date of account opening
- 0% balance transfer fee
- 0.5% on all purchases up to a maximum monthly spend of £3,000
- Unlimited airport lounge access
- Access to over 1 million Wi-Fi hotspots
- Monthly Fee: £15
Application Criteria
- You are a Santander Select or Private customer
- 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 aged 18 or over
Representative Example: 49.8% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable) with a monthly fee payable of £15
0% Credit Cards with 17 Months on Purchases
0% Credit Card Offers
Purchases:
0% for 17 months
Balance Transfers:
None
Balance Transfer Fee:
2.9%
Representative APR:
16.9% APR (variable)
Credit Card Details
first direct Gold
- 0% interest on purchases for 17 months from account opening
- No introductory offer on balance transfers
- 2.9% balance transfer fee, minimum £5
- Option of regular text message mini-statements direct to your mobile phone
- Online account management
- Annual Fee: None
Application Criteria
first direct Gold
- You are a First Direct 1st Account holder
- You are a UK resident
- You are aged 18 or over
This card is ONLY available to first direct 1st Account customers
Representative Example: 16.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 16.9% p.a. (variable)
