0% APR Credit Cards

0% APR credit cards allow their holders to defer interest payments on their credit card balance for a fixed introductory period. Compare top 0% APR credit cards below and find the card that's right for you.

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 30 months (2.75% fee applies)
  • 0% on purchases for 30 months from account opening
  • Manage your account anywhere with online and mobile banking
  • No monthly or annual fees
  • Apple Pay enabled contactless payments
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • You must be a UK resident, aged 18 years or over, have a good credit history, have no CCJ or bankruptcy history, and must have an income of at least £7,500
  • Balance Transfers
    Intro
    0%
    30 Months
    2.75% Fee
    Purchases
    Intro
    0%
    30 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

  • 0% interest for the first 29 months on balance transfers (2.5% fee applies for the first 90 days, then 3% applies thereafter)
  • 0% interest on purchases for the first 29 months
  • Cover against online fraud with Halifax Secure
  • Easy to manage your card online
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be subject to an IVA, not be currently bankrupt, or have any outstanding CCJs
  • Balance Transfers
    Intro
    0%
    29 Months
    2.50% Fee
    Purchases
    Intro
    0%
    29 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 29 months on balance transfers (2.5% fee applies in the first 90 days - 3% fee thereafter)
  • 0% interest on purchases for the first 29 months
  • Free access to Money Manager the easy way to keep track of your spending
  • Quicker payments with contactless technology
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, and not have any CCJs, not be currently bankrupt, and not be subject to an IVA
  • Balance Transfers
    Intro
    0%
    29 Months
    2.50% Fee
    Purchases
    Intro
    0%
    29 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for the first 29 months on balance transfers (2.5% fee applies in the first 90 days, 3% thereafter)
  • 0% interest for the first 29 months on purchases
  • Manage your card online using Internet Banking and Mobile Banking
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, not be currently declared bankrupt, not have any CCJs and not be subject to an IVA
  • Balance Transfers
    Intro
    0%
    29 Months
    2.50% Fee
    Purchases
    Intro
    0%
    29 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

  • 0% on purchases for the first 29 months
  • 0% on balance transfers for up to 29 months - 2.95% fee for the first 60 days (20.9% APR and 5% fee thereafter) plus 0% interest for up to 29 months on money transfers - 4% fee for the first 60 days (22.9% APR and 5% fee thereafter)
  • Find out if you are eligible before applying for this card
  • Apple and Android Pay enabled
  • Must be aged 18 or over, hold a UK bank account and must have been a permanent UK resident for at least 3 years
  • Balance Transfers
    Intro
    0%
    29 Months
    2.95% Fee
    Purchases
    Intro
    0%
    29 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Double Choice points on eligible spend for first 6 months on your American Express card
  • Collect 10 Choice points for every £1 of eligible spend on the Choice Rewards American Express card and 10 Choice points for every £5 of eligible spend on the Choice Rewards MasterCard
  • 0% interest on balance transfers for 29 months (3% fee) and 0% interest on purchases for 29 months
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over, have a regular income, be free from CCJs, bankruptcy, and not be subject to an IVA
  • £24 annual fee
  • Balance Transfers
    Intro
    0%
    29 Months
    3.00% Fee
    Purchases
    Intro
    0%
    29 Months
    Rewards
    Reward Points
    Annual Fee
    £24
    Representative APR (variable)
    23.7%
    APR

Representative Example: Representative 23.70% APR (variable). Based on an annual fee of £24, a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

  • £20 Amazon voucher when you make balance or money transfers totalling at least £1000 within the first 60 days
  • 0% on purchases for the first 28 months
  • 0% on balance transfers for up to 28 months - 2.95% fee (first 60 days), 0% interest for up to 28 months on money transfers - 4% fee (first 60 days)
  • Find out if you are eligible before applying for this card
  • Apple and Android Pay enabled
  • Must be aged 18 or over, hold a UK bank account and must have been a permanent UK resident for at least 3 years
  • Balance Transfers
    Intro
    0%
    28 Months
    2.95% Fee
    Purchases
    Intro
    0%
    28 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • 0% for 27 months on balance transfers (2.70% fee), 0% for 27 months on purchases & 0% for 27 months on money transfers (2.70% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfers
    Intro
    0%
    27 Months
    2.70% Fee
    Purchases
    Intro
    0%
    27 Months
    Rewards
    Virgin discounts
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on purchases for the first 26 months
  • 0% on balance transfers for 26 months. 2.75% fee applies
  • Balance transfers must be made within 3 months of account opening
  • No cash fee to buy travel money at the Post Office
  • You must be a UK resident, aged 18 years or over, have an income of at least £8,000, have no outstanding CCJs, have a current bank or building society account and not already hold a Post Office Money Credit Card
  • Post Office Credit Cards are provided by bank of Ireland UK. Post Office Limited is a credit broker and not a lender
  • Balance Transfers
    Intro
    0%
    26 Months
    2.75% Fee
    Purchases
    Intro
    0%
    26 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 25 months on balance transfers (1.5% fee), 0% for 25 months on purchases & 0% for 25 months on money transfers (2% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose your card design - including Quest and iconic Sex Pistols designs
  • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfers
    Intro
    0%
    25 Months
    1.50% Fee
    Purchases
    Intro
    0%
    25 Months
    Rewards
    Virgin discounts
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on purchases and balance transfers for 25 months
  • Transfer your balance as you apply online (1.49% fee)
  • Pay for items up to £30 with payWave™ Contactless
  • Apple Pay enabled
  • Must be a UK resident, aged 18 years or over, with a regular income and a good credit rating
  • Balance Transfers
    Intro
    0%
    25 Months
    1.49% Fee
    Purchases
    Intro
    0%
    25 Months
    Rewards
    Barclaycard Unwind
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • A bonus points voucher for 500 M&S points worth £5 when you spend in food, clothing or home at M&S
  • 0% on balance transfers and purchases for 25 months
  • Use your credit card when you buy your travel money and you will not have to pay the standard 2% fee
  • M&S rewards - earn M&S points every time you shop with your card
  • To apply for an M&S Credit Card you have to be a UK resident aged 18 or over
  • A new M&S Credit Card account cannot be opened if you have held a credit card with us within the previous 12 months
  • Balance Transfers
    Intro
    0%
    25 Months
    2.90% Fee
    Purchases
    Intro
    0%
    25 Months
    Rewards
    Reward points & travel discounts
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 20 months (minimum £100 balance transfer)
  • 0% on purchases for 20 months
  • A balance transfer fee of 2.95% for balances made in the first 90 days
  • 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 June 2018 (terms and conditions apply)
  • Apple Pay enabled payments
  • Subject to status & lending criteria
  • Must be a UK resident, aged 18 or over, and be free of any CCJs
  • Balance Transfers
    Intro
    0%
    20 Months
    2.95% Fee
    Purchases
    Intro
    0%
    20 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • 0% on purchases for 28 months
  • 0% on balance transfers for 18 months (2% fee)
  • 0% on money transfers for 18 months (3% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfers
    Intro
    0%
    18 Months
    2.00% Fee
    Purchases
    Intro
    0%
    28 Months
    Rewards
    Travel, Wine & Entertainment
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on all purchases for 30 months from the date your account is opened. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 14 months
  • 0% on balance transfers for 16 months made in the first 3 months. A 2.89% balance transfer fee applies which will increase the total amount that you owe
  • Mobile servicing app to keep track of your balance and available credit
  • Additional security shopping online with MasterCard® SecureCode™
  • Contactless payments
  • APR dependent on your personal circumstances
  • Must be a UK resident with annual income of at least £8,000, and no CCJs
  • AA Credit Cards are provided by the Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
  • Balance Transfers
    Intro
    0%
    16 Months
    2.89% Fee
    Purchases
    Intro
    0%
    30 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on all purchases for 26 months from the date your account is opened
  • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
  • Use worldwide at outlets or ATMs which display the Mastercard symbol
  • Contactless card for payments under £30)
  • Must be 18 years old and a UK resident
  • Balance Transfers
    Intro
    0%
    12 Months
    3.00% Fee
    Purchases
    Intro
    0%
    26 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest on all purchases for 26 months from the date your account is opened
  • 0% on balance transfers for 12 months from account opening (3% fee, min £3)
  • Contactless card for payments under £30)
  • Use worldwide at outlets or ATMs which display the Mastercard symbol
  • MasterCard SecureCode protection
  • Must be a UK resident, aged 18 years or over
  • Balance Transfers
    Intro
    0%
    12 Months
    3.00% Fee
    Purchases
    Intro
    0%
    26 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
  • No fees on overseas purchases
  • 0% for 12 months on balance transfers (no fee), purchases, and money transfers (2% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Customers can also enjoy a host of travel offers including 5% off at Virgin Holidays and £25 cashback on Virgin Money Travel Insurance and Virgin Money International Money Transfers
  • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Balance Transfers
    Intro
    0%
    12 Months
    0.00% Fee
    Purchases
    Intro
    0%
    12 Months
    Rewards
    Virgin travel discounts
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Fair
  • 0% for 18 months from account opening on balance transfers made within the first 90 days (3% balance transfer fee)
  • 0% for 9 months from account opening on purchases
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR dependent on circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, and not be subject to an IVA
  • Minimum £100 balance transfer
  • Balance Transfers
    Intro
    0%
    18 Months
    3.00% Fee
    Purchases
    Intro
    0%
    9 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    27.9%
    APR

Representative Example: Representative 27.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 27.95% p.a. (variable)

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