0 Percent Credit Card Offers

0 percent credit card offers and deals are constantly changing in what is a 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 Card

0% 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 credit cards offer 0% 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% 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% 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 long 0 percent credit card offers for balance transfers:-


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0% Credit Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

NatWest Longer Balance Transfer
  • 0% on balance transfers for 23 months from account opening
  • 1.99% balance transfer fee
  • 0% on purchases for first 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
More Information

Application Criteria

NatWest Longer Balance Transfer
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
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 up to 27 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Balance Transfer
  • 0% interest on balance transfers for up to 27 months
  • 3% balance transfer fee (minimum £3) on transfers made at application
  • 0% interest on purchases for your first 3 months
  • 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: None
More Information

Application Criteria

Sainsbury’s Balance Transfer
  • 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
To apply for a credit card you must be a Nectar member and should have been one for at least 6 months
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)

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

TSB Platinum Purchase Credit Card
Purchases:
0% for up to 20 months
Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
2.95%
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Purchase Credit Card
  • 0% interest on purchases for up to the first 20 months
  • 0% interest for up to the first 20 months on balances transferred within first 90 days
  • 2.95% 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: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

0% Credit Card Offers

Santander All in One Credit Card
Purchases:
0% for 26 months
Balance Transfers:
0% for 26 Month
Balance Transfer Fee:
0%
Representative APR:
21.7% APR (variable)
More Information

Credit Card Details

Santander All in One Credit Card
  • 0% interest on purchases for 26 month from date account opened
  • 0% interest on balance transfers for 26 month from date account opened
  • 0% balance transfer fee
  • 0.5% cashback on all of your purchases
  • No foreign transaction fee on purchases made abroad in local currency
  • Cashback through Retailer Offers
  • Monthly Fee: £3
More Information

Application Criteria

Santander All in One Credit Card
  • You are a permanent UK resident
  • You have a good credit history with no history of bad credit
  • You have an income of £7,500 per year or more
  • You are at least 18 years of age
More Information
Monthly fee of £3 payable
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 of £3 payable

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% credit card always ensures that at least the credit card minimum payment is made each month.

Many banks and 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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