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0 Interest Credit Cards

0 Interest Credit Cards

0 interest credit cards in the UK are those credit cards which have 0% introductory offers available to new customers.

These 0 interest credit cards may have a long 0% introductory offer available on purchases, or on balance transfers. Some cards will have 0% introductory offers on both purchases and on balance transfers.

After any 0% introductory offer on a 0 interest credit card has finished, then interest will be charged on any debt remaining on the card. Any interest charged will be at the standard interest rate for that particular credit card.

Typically this rate will be around 21.9% APR, although some cards, and some customers will have a higher interest rate.

0 Interest Credit Card

The main benefit that a 0 interest credit card offers UK card customers, is the opportunity to pay no interest. This will apply for the duration of the introductory 0% offers available on the card..

This allows customers using 0 interest credit cards to reduce their outstanding debt faster. All your monthly card repayments reduce the balance of your outstanding debt. This means that none of your monthly credit card payments are being used to pay any interest charges.

A 0 interest card with a 0% offer on balance transfers for 29 months, for example, can give a customer almost 2 and a half years of not paying interest. This can save the customer a significant amount in interest payments.

Lets, for example, say you had a £3,000 outstanding balance on your current card. You then make a balance transfer of the full amount using the current 29 month HSBC credit card offers below.

This could you save £651 in interest over the 29 months. This assumes that you pay back the full £3000 credit card amount, during the period of the introductory 0% transfer offer.

Customers with the biggest credit card limit, and making larger balance transfers, can save even more.

Credit Cards With 0 Interest

Currently in the UK there are around 60 credit cards with 0 interest offers, available for online applications. Some of the most popular 0% interest credit cards include all of the following featured cards:-


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0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% 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 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% 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
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 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 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 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

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

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

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
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)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 18 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 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% Interest Credit Cards

Customers will generally need to have a good credit history to make a successful credit card application for any of the longest 0% interest credit cards in the UK.

It is very important that customers with 0% interest credit cards in the UK, make sure that they do not miss a monthly payment.

Many of the UK credit card providers, will remove a customers 0% introductory offers if the customer misses, or is late, making the monthly payment. We would always recommend that you set up a direct debit to make your monthly credit card payment.

0 interest credit card offers in the UK are available from a number of banks and card providers. Theses banks and card companies use both the Mastercard and Visa payment networks.

Mastercard and Visa credit cards are both accepted at millions of locations in the UK and around the world. This includes shops, restaurants, hotels and online ecommerce stores as well.


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Published: June 29, 2021, Updated: August 25, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily