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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, provided they make their regular monthly payments on time.

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 your repayments will be used to reduce your outstanding balance. None of your monthly payment will go towards paying interest charges, during the interest free period.

As a result, you can benefit from the interest free period on your new card. This can then allow you, to pay back your outstanding debt faster.

24 Month Interest Free Credit Card

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

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

There are currently around 60 0% 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. However, not all of the companies have a 24 month interest free credit card offer currently available.

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


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Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 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
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
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 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
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
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 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
M&S Purchase 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
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for 20 months
Balance Transfer Fee:
4.24%
Purchases:
0% for 3 months
Representative APR:
26.9% APR (variable)
Sainsbury’s Balance Transfer
  • 0% interest on balance transfers for 20 months
  • 3.24% or 4.24% balance transfer fee on transfers made within first 90 days (minimum £4)
  • 0% interest on purchases for your first 3 months
  • Collect up to 3 Nectar points per £2 in Sainsbury’s, Argos, and Habitat
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
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
Representative Example: 26.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 26.95% p.a. (variable)
No balance transfers allowed to this card from Sainsbury’s credit cards
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 18 months
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
  • 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
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
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

UK Interest Free Credit Card Offers

A couple of years ago, the introductory offers were as long as 0% for up to 43 months on balance transfers. However, the current 0 percent credit card deals are generally a lot shorter than this now.

This is a result of Bank of England warnings to the credit card companies and banks, regarding the level of consumer debt. This also had the additional effect of reducing the number of customers who were given high limit credit cards. As a result 10k credit card limits are now much less common for UK card customers, than they once were.

A more typical 0% introductory offer on balance transfers is now likely to be 27 months, or less. This does still give you a 2 year interest free credit card, and can save you a good amount on interest payments.

A 24 months interest free credit card with a 0% offer on balance transfers is available from a number of credit card companies. However, a 24 month interest free credit card with a 0% offer on purchases is now no longer available. In the UK, 0% interest free offers have historically, always been longer on balance transfers.

Interest Free Credit Cards UK

Even once the introductory 0% offer has ended on a your card, you will still have an interest free period. This interest free period can be typically up to 56 days. This does then allow you to pay later, for a purchase that was made today.

This interest free period occurs when you make a purchase using the card, and then repay the full amount when the monthly payment is due. This period between the purchase date and the payment date will be interest free.

However, if you only make the minimum credit card payment, then interest will be charged on the full amount of the purchase, from the date 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: February 22, 2024, Updated: February 27, 2024 by 0% Credit Card Expert

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