Comparing UK 0% credit cards online since 20020% 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 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 21 Months on Purchases
Purchases:
0% for up to 21 months
Balance Transfers:
0% for up to 21 months
Balance Transfer Fee:
3.49%
Representative APR:
24.9% APR (variable)
- 0% interest for up to 21 months on purchases made in first 60 days
- 0% interest for up to 21 months on balance transfers made in first 60 days
- 3.49% 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
- You are a UK resident
- You have a minimum annual income of £14,000
- You have had a permanent UK address for 3 years or more
- You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.94% p.a. (variable)
No balance transfers allowed to this card from MBNA credit cards
Purchases:
0% for up to 21 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3.45%
Representative APR:
24.9% APR (variable)
- 0% interest on purchases for up to 21 months from account opening
- 0% interest on balance transfers for up to 20 months from account opening
- 3.45% balance transfer fee applies
- Contactless payment technology for purchases of £4100 or under
- Online account management
- Annual Fee: None
- 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: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from Barclaycard or Hilton credit cards
0% Credit Cards with 20 Months on Purchases
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
- 0% on purchases for up to 20 months from account opening
- 0% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% 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
M&S Purchase 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: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 18 months
Balance Transfer Fee:
2.99%
Representative APR:
24.9% APR (variable)
- 0% interest for up to 20 months from account opening on purchases
- 0% for up to 18 months on balances transferred in the first 90 days
- 2.99% balance transfer fee in first 90 days of account opening, 5% fee applies after 90 days
- Lloyds Clicksafe and Internet fraud protection
- Online card servicing
- Annual Fee: None
- 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: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.94% p.a. (variable)
No balance transfers allowed to this card from Lloyds credit cards
0% Credit Cards with 19 Months on Purchases
Purchases:
0% for 19 months
Balance Transfers:
0% for 19 months
Balance Transfer Fee:
2.99%
Representative APR:
24.9% APR (variable)
Ulster Bank Purchase & Balance Transfer
- 0% on purchases for 19 months from account opening
- 0% on balance transfers for 19 months from account opening
- 2.99% balance transfer fee
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
Ulster Bank Purchase & Balance Transfer
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards
Purchases:
0% for 19 months
Balance Transfers:
0% for 19 months
Balance Transfer Fee:
2.99%
Representative APR:
24.9% APR (variable)
- 0% on purchases for 19 months from account opening
- 0% on balance transfers for 19 months from account opening
- 2.9% balance transfer fee
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards
Purchases:
0% for 19 months
Balance Transfers:
0% for 19 months
Balance Transfer Fee:
2.99%
Representative APR:
24.9% APR (variable)
- 0% on purchases for 19 months from account opening
- 0% on balance transfers for 19 months from account opening
- 2.99% balance transfer fee
- Lock and unlock your credit card in app
- Manage your card 24/7 online and by telephone banking
- Annual Fee: None
- You are a UK resident
- You are earning at least £10,000 per year
- You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards
0% Credit Cards with 18 Months on Purchases
Purchases:
0% for up to 18 months
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
- 0% interest on purchases for up to 18 months from account opening
- 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
- 3.49% 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
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: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Purchases:
0% for 18 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
0%
Representative APR:
49.8% APR (variable)
- 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
- 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 £10,500 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
No balance transfers allowed to this card from Santander credit cards
0% Credit Cards with 17 Months on Purchases
Purchases:
0% for up to 17 months
Balance Transfers:
0% for up to 17 months
Balance Transfer Fee:
2.99%
Representative APR:
24.9% APR (variable)
- 0% interest for up to 17 months from account opening on purchases
- 0% interest for up to 17 months from account opening on balance transfers made within first 90 days
- 2.99% balance transfer fee in first 90 days of account opening, 5% fee applies after 90 days
- Cover against online fraud when purchasing on the Internet
- Online account management
- Annual Fee: None
- You are a UK resident
- You have a regular income
- You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from Bank of Scotland or Halifax credit cards
