Interest Free Credit Cards

Interest free credit cards, also known as 0% cards, don't charge the cardholder for their spending for a fixed period of time. Though the cardholder will have to make repayments, interest free credit cards allow periods of time before adding any interest to repayments, some of which are quite extensive and last for as long as 27 months. Interest free cards are particularly popular amongst those who need to make expensive purchases.

  • 0% on balance transfers for 41 months from account opening on balance transfers made within the first 90 days - 2.29% fee (3% is initially applied, then 0.71% is refunded) - 3% after this time
  • 0% for 6 months from account opening on purchases
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not subject to an IVA or currently bankrupt
  • Purchases
    Intro
    0%
    6 Months
    Balance Transfers
    Intro
    0%
    41 Months
    2.29% Fee
    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
Excellent
  • 0% for 41 months on balance transfers - (3.00% fee)
  • 0% for 41 months on money transfers - (3.80% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose from a range of exciting Virgin card 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
  • Purchases
    Intro
    0%
    3 Months
    Balance Transfers
    Intro
    0%
    41 Months
    3.00% Fee
    Rewards
    Travel, Wine & Entertainment
    Annual Fee
    £0
    Representative
    APR (variable)
    20.9%
    APR

Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 41 months on balance transfers (3.25% fee applies)
  • Balance transfers must be made within 3 months of account opening
  • 0% for 3 months on purchases from account opening
  • APR dependent on your personal circumstances
  • Must be a UK resident with an 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
  • Purchases
    Intro
    0%
    3 Months
    Balance Transfers
    Intro
    0%
    41 Months
    3.25% Fee
    Rewards
    n/a
    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 up to 41 months. A 3.25% fee applies and balance transfers must be made within three months of account opening
  • No cash fee to buy travel money at the Post Office
  • 0% on all purchases for the first 3 months
  • No annual fee
  • You must be a UK resident, aged 18 years or over, have an income of at least £8,000, and have no outstanding CCJs, have a current bank or building society account & 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
  • Purchases
    Intro
    0%
    3 Months
    Balance Transfers
    Intro
    0%
    41 Months
    3.25% Fee
    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% on balance transfers for 41 months from account opening with no balance transfer fee
  • Get 5 cashback offers of up to 25% from a range of major retailers
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
  • Apple pay enabled - Pay with your iPhone, iPad or Apple Watch
  • *£3 monthly fee - £36 per year
  • You will receive the exact rate and offer advertised if your application is accepted (Subject to status)
  • Purchases
    Intro
    0%
    6 Months
    Balance Transfers
    Intro
    0%
    41 Months
    0.00% Fee
    Rewards
    Retailer Cashback & Instore Discounts
    Annual Fee
    *£36
    Representative
    APR (variable)
    21.7%
    APR

Representative Example: Representative 21.7% APR (variable). Based on an annual fee of £36, a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • Up to 40 Months 0% Balance Transfer (1.69% Fee - Initial fee of 3.00% is applied, then 1.31% is refunded) on balances transferred within the first 90 days of opening the account
  • 0% for 6 months on purchases
  • Contactless payment enabled
  • 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 have any CCJs, not currently bankrupt, and not subject to an IVA
  • Purchases
    Intro
    0%
    6 Months
    Balance Transfers
    Intro
    0%
    40 Months
    1.69% Fee
    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
  • Up to 40 Months 0% Balance Transfers (1.69% Fee - Inital fee of 3.00% is applied, then 1.31% is refunded)
  • 0% purchase for 6 months
  • 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
  • Minimum £100 balance transfer
  • You must be a UK resident, aged 18 years, in receipt of a regular income, not currently declared bankrupt, have no CCJs and are not subject to an IVA
  • Purchases
    Intro
    0%
    6 Months
    Balance Transfers
    Intro
    0%
    41 Months
    1.69% Fee
    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
Excellent
  • 0% for 40 months on balance transfers - (1.70% fee)
  • 0% for 40 months on money transfers - (3.80% fee)
  • Use Virgin's Card Checker to see if you will be accepted without affecting your credit rating
  • Choose from a range of exciting Virgin card 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
  • Purchases
    Intro
    0%
    3 Months
    Balance Transfers
    Intro
    0%
    40 Months
    1.70% Fee
    Rewards
    Travel, Wine & Entertainment
    Annual Fee
    £0
    Representative
    APR (variable)
    20.9%
    APR

Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% on balance transfers for 40 months from account opening
  • 2.69% balance transfer fee applies
  • The 0% offer is applied to any balances transferred within the first 90 days of opening your account
  • The APR, length of promotional offer, and credit limit may vary as they are dependent on your personal circumstances
  • You must not have applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
  • You must be a UK resident, have a good credit history, and an annual income of at least £5,000
  • Purchases
    Intro
    0%
    3 Months
    Balance Transfers
    Intro
    0%
    40 Months
    2.69% Fee
    Rewards
    Clubcard Points
    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 37 months on balances transferred within the first 60 days from account opening, 1.4% fee applies - 3.5% fee is applied, then reduced to 1.4% by automatic refund (T&C's Apply)
  • 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
  • Purchases
    Intro
    0%
    6 Months
    Balance Transfers
    Intro
    0%
    37 Months
    1.40% Fee
    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
  • 0% for 36 months on money transfers (2.90% fee applies)
  • 0% for 36 months on balance transfers (2.90% fee applies), and 0% for 3 months on purchases
  • 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 UK resident with a bank account, and a good credit rating
  • Purchases
    Intro
    0%
    3 Months
    Balance Transfers
    Intro
    0%
    36 Months
    2.90% Fee
    Rewards
    Travel, Wine & Entertainment
    Annual Fee
    £0
    Representative
    APR (variable)
    20.9%
    APR

Representative Example: Representative 20.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for 32 months on balance transfers (0.60% fee applies), and 0% for 3 months on purchases
  • 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
  • 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 a UK resident, aged 18 years or over, with a good credit rating
  • Purchases
    Intro
    0%
    3 Months
    Balance Transfers
    Intro
    0%
    32 Months
    0.60% Fee
    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)

  • 0% interest for 32 months (0.6% fee)
  • A fee of 3.5% will be applied, then reduced to 0.6% by a refund (T&C's Apply)
  • Emergency help when you are travelling abroad
  • 0% interest on purchases for 6 months from account opening
  • 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
  • Purchases
    Intro
    0%
    6 Months
    Balance Transfers
    Intro
    0%
    32 Months
    0.60% Fee
    Rewards
    Barclaycard Unwind
    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
  • 32 Months 0% balance transfer with low fee (0.7% fee in the first 90 days - 3% fee thereafter)
  • 0% for 12 months from account opening on purchases.
  • Accepted in 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 or over, have a regular income, not have any CCJs, not declared bankrupt and not subject to an IVA
  • Purchases
    Intro
    0%
    12 Months
    Balance Transfers
    Intro
    0%
    32 Months
    0.70% Fee
    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% for 32 Months on Balance Transfers (0.8% fee in the first 90 days - 3% fee thereafter)
  • £20 cashback on the first balance transfer made within 90 days of account opening - offer exclusively online until 16th May 2017
  • Contactless payment enabled
  • Apple Pay enabled payments
  • Minimum £100 balance transfer
  • APR is dependent on your circumstances
  • You must be a UK resident, aged 18 years or over, with a regular income, and be free from CCJs, not be currently bankrupt, or subject to an IVA
  • Purchases
    Intro
    0%
    12 Months
    Balance Transfers
    Intro
    0%
    32 Months
    0.80% Fee
    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% for 32 Months on Balance Transfers (0.8% fee in the first 90 days - 3% fee thereafter)
  • 0% on purchases for 12 months from account opening
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • Minimum £100 balance transfer
  • 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
  • Purchases
    Intro
    0%
    12 Months
    Balance Transfers
    Intro
    0%
    32 Months
    0.80% Fee
    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% for 32 months on Money Transfers (2.50% fee) & Balance Transfers (2.50% fee)
  • 0% for 3 months on purchases
  • 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
  • Purchases
    Intro
    0%
    3 Months
    Balance Transfers
    Intro
    0%
    32 Months
    2.50% Fee
    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)

  • 32 months interest free on balance transfers (0.99% fee, min £5)
  • 0% interest on shopping for 6 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
  • Purchases
    Intro
    0%
    6 Months
    Balance Transfers
    Intro
    0%
    32 Months
    0.99% Fee
    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% for 30 months on Balance Transfers (0.55% fee) & Money Transfers (4% fee)
  • 0% for 3 months on purchases
  • 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
    • Purchases
      Intro
      0%
      3 Months
      Balance Transfers
      Intro
      0%
      30 Months
      0.55% Fee
      Rewards
      Virgin 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)

    • 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
    • Purchases
      Intro
      0%
      29 Months
      Balance Transfers
      Intro
      0%
      29 Months
      2.50% Fee
      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
    • Purchases
      Intro
      0%
      29 Months
      Balance Transfers
      Intro
      0%
      29 Months
      2.50% Fee
      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
    • Purchases
      Intro
      0%
      29 Months
      Balance Transfers
      Intro
      0%
      29 Months
      2.50% Fee
      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
    • Purchases
      Intro
      0%
      29 Months
      Balance Transfers
      Intro
      0%
      29 Months
      2.95% Fee
      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
    • Purchases
      Intro
      0%
      29 Months
      Balance Transfers
      Intro
      0%
      29 Months
      3.00% Fee
      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)

     APPLY ONLINE

    Credit Needed
    Good
    • Limited No Fee Offer - 0% for 28 months on Balance Transfers within the first 90 days with no fee - refunded from 0.50% fee applied
      Offer ends 30th June 2017
    • 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)
    • 0% on purchases for the first 3 months
    • Minimum £100 Balance Transfer
    • Subject to status & lending criteria
    • Must be a UK resident, aged 18 or over, free of any CCJs
    • Purchases
      Intro
      0%
      3 Months
      Balance Transfers
      Intro
      0%
      28 Months
      0.00% Fee
      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)

    • £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
    • Purchases
      Intro
      0%
      28 Months
      Balance Transfers
      Intro
      0%
      28 Months
      2.95% Fee
      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
    • Purchases
      Intro
      0%
      27 Months
      Balance Transfers
      Intro
      0%
      27 Months
      2.70% Fee
      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
    • 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
    • Purchases
      Intro
      0%
      25 Months
      Balance Transfers
      Intro
      0%
      25 Months
      2.90% Fee
      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)

    • 0% interest on balance transfers for 24 months from account opening (0% fee)
    • 0% interest on purchases for 6 months from account opening (0% fee)
    • Pay for items up to £30 with payWave™ Contactless Payment
    • Apple Pay enabled payments
    • A fee of 3.50% will be applied, then reduced to 0% by a refund
    • You must be a UK resident, aged 18 years or over, with a good credit rating
    • Purchases
      Intro
      0%
      6 Months
      Balance Transfers
      Intro
      0%
      24 Months
      0.00% Fee
      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 24 months on balance transfers (no fee), and 0% for 24 months on money transfers (4% fee applies)
    • 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
    • Purchases
      Intro
      0%
      3 Months
      Balance Transfers
      Intro
      0%
      24 Months
      0.00% Fee
      Rewards
      Virgin 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
    • Purchases
      Intro
      0%
      9 Months
      Balance Transfers
      Intro
      0%
      18 Months
      3.00% Fee
      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)

     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
    • Purchases
      Intro
      0%
      28 Months
      Balance Transfers
      Intro
      0%
      18 Months
      2.00% Fee
      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)

    • Great for people with some credit history looking to access 0% deals
    • Emergency help when you are travelling abroad
    • Suitable for rebuilding credit
    • Apple Pay enabled
    • Must be a UK resident, aged 18 years or over, with a regular income and an average credit rating
    • Purchases
      Intro
      0%
      3 Months
      Balance Transfers
      Intro
      0%
      18 Months
      2.99% Fee
      Rewards
      No Rewards
      Annual Fee
      £0
      Representative
      APR (variable)
      24.9%
      APR

    Representative Example: Representative 24.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)

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    What are the Benefits of Interest Free Cards?

    Interest free credit card deals offer people a great way to reduce the interest they pay to credit card issuers, and if you haven't switched issuer for a while there's a good chance you'll be paying more interest than you need to. Remember that the best interest free credit cards come with various different features, so it is essential that you compare cards impartially to make sure you get the best interest free deal for you.

    What are interest free credit cards?

    Interest free cards come in three main formats:

    • Balance transfer cards; offering an interest free period on balances transferred from another issuer. The length of balance transfer period and transfer fee differs between issuers, and you can't transfer balances to your current issuer (so check beyond the brand name to understand who you really have your credit card with).
    • 0% purchase credit cards offer people the chance to purchase items and defer the commencement of interest payments for a set period of time. Interest free purchase cards can be a great way of reducing the interest you might pay on big ticket items (to zero if you can pay back what you have borrowed before the end of the interest free period).
    • A relatively new arrival in the credit card market is the combined, or dual-hook credit card, with equal length balance transfer and purchase offers. Typically these cards have a shorter balance transfer or 0% purchase length than you might expect from a specialist product of either type, but they offer simplicity in knowing when your 0% purchase period ends and the higher interest rates start. Currently the best of these cards only lose a month or two when compared with specialist 0% purchase credit cards, and to many they are a very attractive alternative.

    How do I get an interest free credit card?

    Given the complexity of the products in the interest free credit card market, it is essential you compare credit cards to get the best deal for you. One of the quickest and easiest ways to do this is by using credit card comparison tables (like the ones above) which rank products by the strength of specific features (eg. longest interest free balance transfer), together with secure links to the specific product on the issuer's website where you can apply (and in many instances get instant approval).

    Be sure you have done your research before you apply for a credit card, because almost every credit application in the UK is recorded by a credit reference agency, and someone deemed to have too many applications can be seen by lenders as a sign of financial difficulty, making it more difficult to secure credit in the future. If you are already in financial difficulty, that does not necessarily mean you can't access interest free credit cards, but it is unlikely you will be offered the great credit card deals available to 'prime' customers, and you might be better placed applying for a bad credit credit card, some of which regularly offer interest free balance transfer periods or 0% purchase periods.