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0 Percent Credit Cards

The offers and deals on 0 percent credit cards are constantly changing in what is a competitive UK credit card market.

0 Percent Credit Card

0 percent credit cards are one of the main ways that the many different credit card companies and banks, operating in the UK credit card market, compete with each other for new customers.

0 percent interest credit card deals offer new customers an introductory 0 percent deal for a limited time period. After this introductory period the interest rate returns to the standard interest rate, which is typically around 19.9% APR variable.

There are currently over 50 UK credit cards with 0% credit card offers available for online applications.

Many of these are 0 percent balance transfer credit cards which offer 0% on balance transfers. Other cards have a longer 0 percent purchase credit card deal. A small number of cards are also available with long 0% offers on both balance transfers and purchases.

0 Percent Balance Transfer Credit Cards

0 percent balance transfer credit cards allow a customer to make a balance transfer from an existing credit card, to a new card, that has a long 0 percent introductory deal on balance transfers.

By making this type of balance transfer the customer can save money by paying no interest during the introductory 0% offer period. In most cases the customer will, however, have to pay a balance transfer fee to the company providing the new 0% card.

All of the following featured cards currently have a long 0 percent balance transfer card offer:-


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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)
More Information

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
More Information

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

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
More Information

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
More Information
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 Percent Purchase Credit Card Deals

0 percent purchase credit card deals allow customers to make larger purchases using their card. These purchases could be of household furniture or new electrical goods for example. The customer can then pay no interest on theses purchases for the length of the introductory 0 percent offer period.

All of the following featured cards currently have a long 0 percent purchase credit card deal:-

0% Credit Card Offers

Purchases:
0% for 20 months
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

M&S Shopping Plus*
  • 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
  • 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
More Information

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

Credit Card Details

HSBC Purchase Plus*
  • 0% interest on purchases for 18 months from account opening
  • 0% interest for 18 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
More Information

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
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, affordability and applicable terms and conditions

0% Credit Card Offers

Purchases:
0% for up to 15 months
Balance Transfers:
0% for up to 15 months
Balance Transfer Fee:
1.45%
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Purchase Credit Card
  • 0% interest on purchases for up to the first 15 months
  • 0% interest for up to the first 15 months on balances transferred within first 90 days
  • 1.45% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase Credit Card
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
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)

A small number of UK credit cards have equally long 0% offers for both balance transfers and purchases. With these cards a customer can make both a balance transfer and also make purchases using the same card. These types of cards allow the customer to benefit equally from both of the 0% introductory offers.

It is important that a customer making use of any 0% credit card always ensures that at least the credit card minimum payment is made each month.

Many banks and card companies will withdraw the customer’s 0 percent introductory offers if any payment is missed. We would always advice credit card customers to set up a monthly direct debit. This should be for at least the minimum monthly payment required.

0 percent credit card offers are available in the UK for both MasterCard and Visa branded credit cards.

At one time there were well over 120 credit cards with 0% offers available. in the UK card market. Many cards like the AA credit card, for example, are now no longer available to new customers.


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Published: July 20, 2021, Updated: July 20, 2021 by 0% Credit Card Expert

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