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Interest Free Credit Cards

Interest free credit cards in the UK, are those cards which offer new customers an introductory 0% offer. During this introductory 0% offer period the customer will pay no interest.

Interest Free Credit Cards

All of the monthly payments an interest free credit card customer makes, during the 0% introductory offer period, will reduce their overall debt.

All of the customer’s repayments will be used to reduce their outstanding balance. None of the payment will go towards interest charges.

As a result, the customer will benefit from the interest free period on the card. This then allows the customer, to pay back their outstanding debt faster.

UK Interest Free Credit Card Offers

Some UK interest free credit card offers have a long 0% offer on balance transfers. Other cards have a long 0% offer on purchases. There are also a small number of UK credit cards with 0% introductory offers of equal length. These cards have 0%, deals for both purchases and balance transfers.

There are currently around 60 interest free credit cards in the UK, that are available for online applications. These UK credit cards are available from a number of different credit card companies.

The following featured credit cards are some of the most popular current UK interest free credit card offers.


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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% Credit Card Offers

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

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
More Information

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

Credit Card Details

M&S Shopping Plus*
  • 0% for 20 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 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
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

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

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
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

24 Months Interest Free Credit Card

A 24 months interest free credit card is a card where the 0% introductory offers is for 24 months, or more. With a 2 year interest free credit card a customer can save a considerable amount of interest.

A couple of years ago, the introductory offers were as long as 0% for up to 43 months on balance transfers. However, 0 percent credit card deals are generally much shorter now. This is a result of Bank of England warnings to the credit card companies and banks regarding levels of consumer debt.

There are still a number of interest free credit cards with 24 months 0% offers on balance transfers. However, there are currently none available with this length of 0% introductory offer on purchases.

Interest Free Credit Cards UK

Even once the introductory 0% offer has ended on a customers credit card, many cards will still have an interest free period.

This interest free period can be typically up to 56 days. This does then allow the customer to pay later, for a purchase that was made today.

This occurs when the customer makes a purchase using the card, and then repays the full amount when the monthly payment is due. This period between the purchase date and the payment date will be interest free for the customer.

However, if the customer only makes the minimum credit card payment, then interest will be charged on the full amount of the purchase.

Interest free credit cards in the UK are available using either the Mastercard or Visa payment networks. Any UK interest free credit card, with Mastercard or Visa branding, is widely accepted. Millions of shops, hotels, pubs and restaurants will accept the cards, in the UK and around the world


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Published: July 7, 2021, Updated: July 15, 2021 by 0% Credit Card Expert

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