Comparing UK 0% credit cards online since 2002What are the current 0% NatWest credit card offers and deals, for UK customers?
For many years recently, NatWest credit card offers were unavailable to UK customers looking for a new credit card with a 0% introductory deal.
NatWest, had announced that the bank would no longer offer 0% introductory offers to new customers. This decision was made back in 2014, by parent company RBS.
The bank said that the existing NatWest 0 credit card offers would be withdrawn. This was part of a policy to increase trust in the bank by removing “teaser rates” from all products.
As part of this promise to customers, NatWest said that it would stop offering deals to new customers, that it would not offer to existing customers. NatWest also said it would also stop offering different rates to customers. These different rates had applied, depending on whether customers had applied online, or in branches.
NatWest 0 Credit Card
However, there is now a NatWest 0 credit card offer available once again. This new NatWest interest free credit card has increased the number of 0% credit card offers available in the UK. The 0% introductory offers on this card were however shortened in August, and then once again in September last year.
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- 0% for 23 months from account opening on balance transfers made within first 3 months
- 3.49% balance transfer fee
- 0% on purchases for 3 months from account opening
- 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
This NatWest credit card when launched however, had one major restriction. The card was only available to customers who had a current account, savings account, credit card or mortgage with NatWest. The 0% offers on this NatWest card are also shorter, than the longer 0% introductory offers available on some other cards.
Many UK card customers will not be eligible for the above NatWest 0 credit card, because they already have an existing NatWest card. These customers can of course still apply for many of the other 0% credit card offers available. The other UK credit card providers are actively competing for new customers with 0% introductory deals and offers.
All of the following featured credit card issuers provide 0% credit cards, for both purchases and balance transfers. These cards are available to all customers:-
- 0% for up to 26 months on balance transfers made within 90 days of account opening
- 3.49% 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
- 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
- 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)
- 0% interest on purchases for up to 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
- 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
- 0% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for up to 20 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
- 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
- 0% interest for up to 26 months on balance transfers made within first 60 days of account opening
- 3.49% 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
- 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
There are currently there are still over 60 credit cards in the UK offering introductory 0% rates. These cards have a range of 0% purchase credit cards, and 0 percent credit card offers available from the UK banks and credit card companies.
NatWest 0 Interest Credit Card
The previous NatWest 0 interest credit card offer, before it was withdrawn, had a much longer introductory offer for new customers. That card offered 0% for 28 months on balance transfers with a lower 2.99% balance transfer fee. This previous NatWest card also had a lower standard 23.9% APR interest rate.
Currently, the best NatWest interest free credit card offer is not as long as the leading 0% introductory offers. Other UK credit card companies do currently offer longer 0% interest free deals.
The current NatWest card is issued using the Mastercard payment network. All UK credit cards using both Mastercard and Visa, are accepted at millions of shops, restaurants and hotels all around the world.
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