0% Credit Cards

Purchases

0% Credit Cards for Purchases

Displayed below is every UK credit card currently available online that has a 0% introductory offer on purchases.


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 Cards with 30 Months on Purchases

0% Credit Card Offers

Purchases:
0% for 30 months
Balance Transfers:
0% for 30 months
Balance Transfer Fee:
0%
Representative APR:
21.7% APR (variable)
More Information

Credit Card Details

Santander All in One Credit Card
  • 0% on purchases for 30 month from date of account opening
  • 0% on balance transfers for 30 month from date of account opening
  • 0% balance transfer fee
  • 0.5% cashback on all of your purchases
  • No foreign transaction fee on purchases made abroad
  • Cashback through Retailer Offers
  • Monthly Fee: £3
More Information

Application Criteria

Santander All in One Credit Card
  • You live in the UK permanently
  • You have a good credit record
  • You have an income of £7,500 per year or more
  • You are 18 years of age or more
More Information
Monthly fee payable of £3
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 payable of £3
0% Credit Cards with 28 Months on Purchases

0% Credit Card Offers

Purchases:
0% for up to 28 months
Balance Transfers:
0% for up to 28 months
Balance Transfer Fee:
2.72%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

MBNA All Round Credit Card
  • 0% interest for up to 28 months on card purchases
  • 0% interest for up to 28 months on balance transfers
  • 2.72% balance transfer fee for the first 60 days and 5% fee thereafter
  • Contactless payments to quickly and securely pay for purchases under £30
  • Online card servicing
  • Annual Fee: £0
More Information

Application Criteria

MBNA All Round 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 19.9% p.a. (variable)
The product, APR and promotional offer you could get may differ from the example

0% Credit Card Offers

Purchases:
0% for 28 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.89%
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Post Office Money Platinum Credit Card
  • 0% interest on purchases for first 28 months
  • 0% interest for 18 months on balance transfers made within 3 months of account opening
  • 2.89% balance transfer fee
  • No fees on overseas purchases
  • No cash fee when you purchase Post Office Travel Money
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: £0
More Information

Application Criteria

Post Office Money Platinum Credit Card
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
No fees on overseas purchases
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

0% Credit Card Offers

Purchases:
0% for 28 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Virgin Money Purchase Credit Card
  • 0% for 28 months on purchases from date your account is opened
  • 0% for 18 months on balance transfers from date your account is opened
  • 2% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • Discounts on Virgin holidays, Virgin media and Virgin trains
  • Contactless payment technology for purchases of £30 or under
  • Choice of card designs
  • Annual fee for card: None
More Information

Application Criteria

Virgin Money Purchase Credit Card
  • You have a permanent UK address
  • You have a bank or building society account
  • You have a good credit rating
  • 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 19.9% p.a. (variable)
0% Credit Cards with 27 Months on Purchases

0% Credit Card Offers

Purchases:
0% for up to 27 months
Balance Transfers:
0% for up to 27 months
Balance Transfer Fee:
3%
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Dual Offer Credit Card
  • 0% interest on purchases for up to 27 months
  • 0% interest on balance transfers for up to 27 months
  • 3% balance transfer fee, minimum £3
  • 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: £0
More Information

Application Criteria

Sainsbury’s Dual Offer Credit Card
  • 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
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 Card Offers

Purchases:
0% for 27 months
Balance Transfers:
0% for 3 months
Balance Transfer Fee:
3%
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Purchase Credit Card
  • 0% interest on purchases for 27 months
  • 0% interest on balance transfers for your first 3 months
  • 3% balance transfer fee, minimum £3
  • 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: £0
More Information

Application Criteria

Sainsbury’s Purchase Credit Card
  • 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
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 26 Months on Purchases

0% Credit Card Offers

Purchases:
0% for 26 months
Balance Transfers:
0% for 26 months
Balance Transfer Fee:
2.9%
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Virgin Money 26 Month All Round Credit Card
  • 0% for 26 months on purchases from account opening
  • 0% for 26 months on balance transfers from account opening
  • 2.9% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • Discounts on Virgin holidays, Virgin media and Virgin trains
  • Contactless payment technology for purchases of £30 or under
  • Choice of card designs
  • Annual fee for card: None
More Information

Application Criteria

Virgin Money 26 Month All Round Credit Card
  • You have a permanent UK address
  • You have a bank or building society account
  • You have a good credit rating
  • You are aged 18 or over
More Information
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

Purchases:
0% for 26 months
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
3%
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Clydesdale Bank Gold Credit Card
  • 0% interest on purchases for 26 months from account opening
  • 0% interest on balance transfers for 12 months from account opening
  • 3% balance transfer fee, minimum £3
  • Contactless payment technology for purchases up to £30
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Clydesdale Bank Gold Credit Card
  • You are a UK resident
  • You are aged 18 or over
More Information
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

Purchases:
0% for 26 months
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
3%
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Yorkshire Bank Gold Credit Card
  • 0% interest on purchases for 26 months from account opening
  • 0% interest on balance transfers for 12 months from account opening
  • 3% balance transfer fee, minimum £3
  • Contactless payment technology for purchases up to £30
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Yorkshire Bank Gold Credit Card
  • You are a UK resident
  • You are aged 18 or over
More Information
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

Purchases:
0% interest for up to 26 months
Balance Transfers:
0% interest for 3 months
Balance Transfer Fee:
2.9%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Tesco Clubcard Credit Card for Purchases
  • 0% interest for up to 26 months on purchases from account opening
  • 0% interest for 3 months on balance transfers from account opening
  • 2.9% 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: £0
More Information

Application Criteria

Tesco Clubcard Credit Card for Purchases
  • You have an annnual 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 do not 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 Cards with 25 Months on Purchases

0% Credit Card Offers

Purchases:
0% for 25 months
Balance Transfers:
0% for 25 months
Balance Transfer Fee:
2.89%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Post Office Money Matched Credit Card
  • 0% on purchases for first 25 months
  • 0% for 25 months on balance transfers made within 3 months of account opening
  • 2.89% balance transfer fee
  • No cash fee when you purchase Post Office Travel Money
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: £0
More Information

Application Criteria

Post Office Money Matched Credit Card
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender
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:
2.49%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Bank of Ireland (UK) MasterCard Matched Credit Card
  • 0% on purchases for 24 months from account opening
  • 0% on balance transfers for 24 months from account opening
  • 2.49% balance transfer fee
  • Up to 3 additional cardholders free of charge
  • Contactless payments
  • Annual Fee: £0
More Information

Application Criteria

Bank of Ireland (UK) MasterCard Matched Credit Card
  • You are a Northern Ireland resident or Bank Of Ireland (UK) customer
  • You have a good credit history
  • 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 19.9% p.a. (variable)
0% Credit Cards with 20 Months on Purchases

0% Credit Card Offers

Purchases:
0% for 20 months
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

M&S Shopping Plus Credit Card*
  • 0% on purchases for 20 months from account opening
  • 0% for 20 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
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

M&S Shopping Plus Credit Card*
  • 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

Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Bank of Scotland 20 Month Credit Card
  • 0% interest for 20 months from account opening on purchases
  • 0% interest for first 20 months from account opening on balance transfers made within first 90 days
  • 3% balance transfer fee
  • Cover against online fraud when purchasing on the Internet
  • Manage your card online using Internet Banking and Mobile Banking
  • Annual Fee: £0
More Information

Application Criteria

Bank of Scotland 20 Month Credit Card
  • You are a UK resident
  • You have a regular income
  • 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)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Halifax 20 Month Credit Card
  • 0% for up to 20 months from account opening on purchases
  • 0% for up to 20 months from account opening on balance transfers within the first 90 days
  • 3% balance transfer fee
  • Cover against online fraud when purchasing on the Internet
  • Manage your card online using Online Banking and Mobile Banking
  • Annual Fee: £0
More Information

Application Criteria

Halifax 20 Month Credit Card
  • 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)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Lloyds Platinum 20 Month Credit Card
  • 0% interest for up to 20 months from account opening on purchases
  • 0% interest for up to 20 months from account opening on balance transfers
  • 3% balance transfer fee
  • Lloyds Bank ClickSafe
  • Online servicing with Internet Banking
  • Annual Fee: £0
More Information

Application Criteria

Lloyds Platinum 20 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)
The APR and length of the promotional offer are dependent on your personal circumstances

0% Credit Card Offers

Purchases:
0% for 20 months
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
3%
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Creation All Rounded Credit Card
  • 0% on purchases for 20 months from account opening
  • 0% on balance transfers for 20 months for balances transferred within 90 days
  • 3% balance transfer fee, minimum £3
  • Online account management
  • Access to ongoing monthly offers from MasterCard and retail partners
  • Annual Fee: £0
More Information

Application Criteria

Creation All Rounded Credit Card
  • You are a permanent resident of the UK
  • You are in full-time employment and earning a minimum household income of £20,000
  • You have a UK bank or building society account
  • You are able to provide at least one landline telephone number and a valid email
  • You are aged 18 or over
More Information
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

Purchases:
0% for 20 months
Balance Transfers:
0% for 3 months
Balance Transfer Fee:
2.9%
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Tesco Clubcard Credit Card for Purchases
  • 0% on purchases for up to 20 months from account opening
  • 0% on balance transfers for 3 months from account opening
  • 2.9% balance transfer fee during first 3 months, 3.99% thereafter
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

Tesco Clubcard Credit Card for Purchases
  • You have an annnual 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 do not 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: 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 Cards with 18 Months on Purchases

0% Credit Card Offers

Purchases:
0% for 18 months
Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.99%
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Matched Credit Card
  • 0% on purchases for 18 months from account opening
  • 0% interest for 18 months on balance transfers made within 60 days of account opening
  • 2.99% balance transfer fee (minimum £5)
  • At the end of 0% offer 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: £0
More Information

Application Criteria

HSBC Matched Credit Card
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident, including Isle of Man and Channel Islands
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
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

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)
More Information

Credit Card Details

Santander World Elite Credit Card
  • 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
More Information

Application Criteria

Santander World Elite Credit Card
  • You are a Santander Select or Private customer
  • You have an income in excess of £7,500 per year or more
  • You live in the UK permanently
  • You are aged 18 or over
More Information
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