0 Percent Credit Card Offers

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

0 percent credit card offers 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 Credit Card0% 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 18.9% APR variable.

There are currently over 90 UK credit cards with 0 percent credit card offers available for online applications.

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

0 Percent Credit Card Offers For Balance Transfers

0 percent credit card offers for balance transfers 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 percent period. In most cases the customer will however have to pay a balance transfer fee to the company providing the new 0 percent card.

All of the following featured cards currently have long 0 percent credit card offers for balance transfers:-


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0% Credit Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
2.85%
Purchases:
0% for 6 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

M&S Transfer Plus Credit Card*
  • 0% for 28 months on balance transfers made within 90 days of account opening
  • 2.85% balance transfer fee, minimum £5
  • 0% on purchases for 6 months from account opening
  • 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 Transfer 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

Balance Transfers:
0% for 25 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

HSBC Balance Transfer Credit Card*
  • 0% interest for 25 months on balance transfers made within first 60 days of account opening
  • 1.5% balance transfer fee (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
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

HSBC Balance Transfer Credit Card*
  • You have an annual income or pension before tax of £8,500 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 18 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Nationwide Member Credit Card*
  • 0% on balance transfers for 18 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 3 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Member Credit Card*
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
More Information
Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
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 Percent Credit Card Deals For Purchases

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

All of the following featured  cards currently have long 0% credit card deals for purchases:-

0% Credit Card Offers

HSBC Purchase Plus Credit Card*
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 Credit Card*
  • 0% interest on purchases for 18 months from account opening
  • 0% interest for 18 months on balance transfers made within 60 days of account opening
  • 2.9% balance transfer fee (minimum £5)
  • At end of promotional 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 Purchase Plus Credit Card*
  • You have an annual income or pension before tax of £8,500 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

M&S Shopping Plus Credit Card*
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)

Some credit cards have 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, and benefit from the 0% introductory offers.

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

Many credit card companies will withdraw the 0 percent introductory offers if a 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.


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