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Introductory 0% Interest Rate Credit Cards

 
  This is our shortlist of the best Interest Free Credit Cards. These credit cards are all offering  introductory 0% interest rates. This can be  on either purchases or balance Transfers. Many of the Credit Cards listed on this page offer the 0% apr on both purchases and  balance transfers.  
 

Our Credit Card Comparison Table Below Outlines The Key Features
Of The Best UK Credit Cards Offering 0% Interest Rates

 


Credit Card Balance Transfer Rate Purchase Rate Cash Back
& Rewards
Representative APR Variable Link to More
Details
Link To
Apply
 
 

Barclaycard Platinum Credit Card

Barclaycard Platinum Credit Card

0% For 22 Months
3.2% Fee Applies

0%
3 Months

Yes
Barclaycard Freedom

Representative
17.5%
APR Variable

More Info On The Barclaycard Platinum Credit Card

Apply Now For A Barclaycard Platinum Credit Card

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.5% (variable) your Representative APR will be 17.5% Per Annum (variable).

 
 
 
 

Virgin 0% Credit Card

Virgin Credit Card

0% For
20 Months
2.99% Fee Applies

0%
3 Months

Online
Rewards Shop

Representative 16.8%
APR Variable

More Info On The Virgin 0% Credit Card

Before You Apply Please Ensure The Following
* You are at least 22 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK 
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% Per Annum (variable).

 
 
 
 

Natwest Platinum Credit Card

Natwest Platinum Card

0% For
20 Months
3.2% Fee Applies

0%
6 Months

No

Representative 17.9%
APR Variable

More Info On The Natwest Platinum Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You are in full time employment earning
   at least £10,000 Per Annum
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% Per Annum (variable).

 
 
 
 

RBS Platinum Credit Card

RBS Platinum Card

0% For
20 Months
3.2% Fee Applies

0%
3 Months

No

Representative 16.9%
APR Variable

More Info On The RBS Platinum Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You are in full time employment earning
   at least £10,000 Per Annum
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% Per Annum (variable).

 
 
 
 

Tesco Clubcard Credit Card

Tesco Clubcard Credit Card

0% For
9 Months
2.9% Fee Applies

0%
15 Months

Clubcard Points
On Purchases

Representative 16.9%
APR Variable

More Info On The Tesco Clubcard Credit Card

Apply Now For A Tesco Clubcard Credit Card

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% Per Annum (variable).

 
 
 
 

Bank Of Scotland Plus Credit Card

BOS Plus Credit Card

0% For
18 Months
3% Fee Applies

0%
3 Months

No

Representative 16.9%
APR Variable

More Info On The Bank Of Scotland Plus Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You have a regular income 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% Per Annum (variable).

 
 
 
 

Halifax Credit Card

Halifax All In One Credit Card

0% For
15 Months *
3% Fee Applies

0%
15 Months

No

Representative 17.9%
APR Variable

More Info On The Halifax Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You have a regular income 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% Per Annum (variable).
*I
f you are accepted at the highest rate of 23.9% APR variable you may not be offered an introductory period on balance transfers and purchases.

 
 
 
 

The AA Credit Card

 

AA Credit Card

0%
For 12 Months
3% Fee Applies

0%
For 10 Months

Reward Points

Representative 16.9%
APR Variable

More Info On The AA Credit Card

Your credit card application is more likely to be accepted by MBNA if
* You are at least 22 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK
* You have an income of over £20,000
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% Per Annum (variable).

 
 
 
 

Bank Of Scotland All In One Credit Card

BOS All In One Credit Card

0% For
12 Months
3% Fee Applies

0%
12 Months

No

Representative 17.9%
APR Variable

More Info On The Bank Of Scotland All In One Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You have a regular income 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% Per Annum (variable).

 
 
 
 

The Lloyds TSB Airmiles Duo Credit Card

Lloyds TSB Airmiles Duo Card

0% For
6 Months
3% Fee Applies

15.9% APR
Variable

Airmiles

Representative 15.9%
APR Variable

More Info On The Lloyds Tsb Platinum Credit Card

Before You Apply Please Ensure The Following
* You are at least 18 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK
* You have an income of over £15,000
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 15.94% (variable) your Representative APR will be 15.9% Per Annum (variable).

 
 
 
 

Virgin Atlantic Credit Card

Virgin Atlantic Credit Card

0% For
6 Months
2% Fee Applies

17.9% APR
Variable

Virgin Flying
Club Miles

Representative 17.9%
APR Variable

More Info On The Virgin Atlantic Credit Card

Before You Apply Please Ensure The Following
* You are at least 21 Years of Age 
* You have a Good Credit History 
* You are in full time employment 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% Per Annum (variable).

 
 
 
 

American Express Platinum Credit Card

American Express Platinum

19.9%
APR Variable

0%
 6 Months

Up To 5%
Cash Back

Representative 19.9%
APR Variable

More Info On The American Express Platinum Credit Card

Before You Apply Please Ensure The Following
* You are at least 20 Years of Age 
* You have a Good Credit History 
* You have an income over £30,000 
* You are a permanent resident/citizen of the UK
* You have a Bank or Building society account

 
 
 

Representative Example: Spending £1,200 at an annual interest rate of 19.9% (variable) your Representative APR will be 19.9% Per Annum (variable)

 
 
 

 

The amount  of time is generally at least 6 months although there many credit card issuers who offer more at present. Please browse the table above and decide which Credit Card is best for you. Some of the credit cards listed here offer the interest free period on only one feature.   Low Introductory Rate credit cards are currently a very popular choice for many. If they offer the rate on a balance transfer you can move an existing debt onto your new card and thus benefit from an interest free period. If they offer a low introductory rate on purchases, then you can take advantage of this period to buy something you really want to using your new card. Remember that after the low introductory rate ends, the standard variable rate will apply. Many of the credit cards featured here offer an introductory rate on both purchases and balance transfers, some however only offer the introductory 0% rate on one of these features, so please consider your options carefully. Here at Compare Credit Card we also offer help and information on choosing a credit card, click on the button to your left called " UK Credit Card Info".

 

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