0 Per Cent Credit Cards

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0 percent credit cards can be useful for handling your credit finances and alleviating the burden of credit card bills. This kind of credit card charges no interest on the balance, usually only during an introductory period of a number of months but sometimes offering it as a lifetime rate on the account. Since many 0 percent credit cards eventually revert to normal interest rates or have restrictions and conditions that can result in you paying normally, it is important to compare cards and make sure you are picking the one with the best rates and terms.

With 0 percent credit cards:

You may get an initial term of 0 percent interest, after which normal rates are charged.
Some only offer 0 percent on the balance, not on purchases; others cover purchases as well, so check closely on what you might have to pay for.
Some companies offer lifetime 0 percent credit cards but these often have restrictive terms such as minimum monthly expenditures, which result in full normal rates being charged if you breach the conditions.

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Select Top Credit Card Deals

Provider	Representative APR (Variable)	Purchases	Balance Transfer	Apply
Nationwide Select Credit Card (available to existing current account customers only) »	15.9%	0% for 12 months	0% for 12 months (no fee)	Apply Now >
Nationwide Select Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your representative APR will be 15.9% (variable). 0% balance transfer term of 12 months (no fee) 0% on purchases for 12 months Free banking app Manage card online Must be 18 or older Lived in the UK for the last 12 months No BT fee only if transferring a balance in the first 90 days (2.4% thereafter) Nationwide Current Account holders only, paying in £750+ per month
Santander Everyday Credit Card	18.9%	0% for 3 months	0% for 27 months	Apply Now >
Santander Everyday Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for 27 months on balance transfers, with no transfer fee No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over
Nationwide Credit Card (available to existing current account customers only) »	17.9%	0% for 12 months	0% for 12 months (no fee)	Apply Now >
Nationwide Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable). 0% balance transfer term of 12 months (no fee) 0% on purchases for 12 months Free banking app Manage card online Must be 18 or older Lived in the UK for the last 12 months No BT fee only if transferring a balance in the first 90 days (2.4% thereafter) Nationwide Current Account, Savings or Mortgage holders only
Santander All in One Credit Card	21.7%	0% for 30 months	0% for 30 months	Apply Now >
Santander All in One Credit Card Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200. 0% for 30 months on purchases 0% for 30 months on balance transfers, with 0% transfer fee 0.5% cashback on all purchases with no limit No monthly fee for 6 months on the All in One Credit Card if you have a 123 current account. Qualifying criteria applies Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers. £3 pm (£36 pa) Must be aged 18 or over
Natwest Reward Card »	23.7%	18.9%	18.9%	Apply Now >
NatWest Reward Card Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable) 18.9% pa (variable) for purchases and balance transfers 1% Reward in all Supermarkets (0.5% at their petrol stations) At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad Refund of the annual fee if also have a Reward current account Must be 18 or older Must be a UK resident £24 annual fee
Santander Zero Credit Card	18.9%	18.9% pa	N/a	Apply Now >
Santander Zero Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee). No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over
Natwest Credit Card »	9.9%	9.9%	6.9%	Apply Now >
NatWest Credit Card Representative Example: 9.9% APR variable, based on assumed credit limit of £1,200. Standard interest rate for purchases 9.9% pa (variable) No balance transfer fees No foreign transaction fees No annual fee Must be 18 or older Must be a UK resident Must be earning at least £10,000 per year

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

* See Credit Card Provider Terms & Conditions

0% on Balance Transfers Credit Card Deals

Provider	Representative APR (Variable)	Balance Transfer	Purchases	Apply
Post Office Balance Transfer Credit Card »	18.9%	0% for 35 months (2.85% fee)	0% for 3 months	More Info >
Post Office Balance Transfer Credit Card (Provided by Bank of Ireland UK) Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% on balance transfers for 35 months (2.85% fee) 0% on purchases for the first 3 months No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Santander All in One Credit Card	21.7%	0% for 30 months (no fee)	0% for 30 months	More Info >
Santander All in One Credit Card Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200. 0% for 30 months on purchases 0% for 30 months on balance transfers, with 0% transfer fee 0.5% cashback on all purchases with no limit No monthly fee for 6 months on the All in One Credit Card if you have a 123 current account. Qualifying criteria applies Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers. £3 pm (£36 pa) Must be aged 18 or over
Santander Everyday Credit Card	18.9%	0% for 27 months (no fee)	0% for 3 months	More Info >
Santander Everyday Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for 27 months on balance transfers, with no transfer fee No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over
Post Office Matched Credit Card »	19.9%	0% for 25 months (2.89% fee)	0% for 25 months	More Info >
Post Office Matched Credit Card (Provided by Bank of Ireland UK) Representative 19.9% APR variable. Based on assumed borrowing of £1,200. 0% on purchases for the first 25 months 0% on balance transfers for 25 months (2.89% fee) No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfers must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Post Office Platinum Credit Card »	17.8%	0% for 18 months (2.89% fee)	0% for 28 months	More Info >
Post Office Platinum Credit Card (Provided by Bank of Ireland UK) Representative 17.8% APR variable. Based on assumed borrowing of £1,200. 0% on balance transfers for 18 months, with 2.98% fee 0& on purchases for 28 months No fees on purchases overseas No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Nationwide Select Credit Card (available to existing current account customers only) »	15.9%	0% for 12 Months (no fee)	0% for 12 months	More Info >
Nationwide Select Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your representative APR will be 15.9% (variable). 0% balance transfer term of 12 months (no fee) 0% on purchases for 12 months Free banking app Manage card online Must be 18 or older Lived in the UK for the last 12 months No BT fee only if transferring a balance in the first 90 days (2.4% thereafter) Nationwide Current Account holders only, paying in £750+ per month
Nationwide Credit Card (available to existing current account customers only) »	17.9%	0% for 12 Months (no fee)	0% for 12 months	More Info >
Nationwide Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable). 0% balance transfer term of 12 months (no fee) 0% on purchases for 12 months Free banking app Manage card online Must be 18 or older Lived in the UK for the last 12 months No BT fee only if transferring a balance in the first 90 days (2.4% thereafter) Nationwide Current Account, Savings or Mortgage holders only
Natwest Credit Card »	9.9%	6.9%	9.9%	More Info >
NatWest Credit Card Representative Example: 9.9% APR variable, based on assumed credit limit of £1,200. Standard interest rate for purchases 9.9% pa (variable) No balance transfer fees No foreign transaction fees No annual fee Must be 18 or older Must be a UK resident Must be earning at least £10,000 per year
The Royal Bank Credit Card »	9.9%	6.9%	9.9%	More Info >
The Royal Bank Credit Card Representative Example: 9.9% APR variable, based on assumed credit limit of £1,200. Standard interest rate for purchases 9.9% pa (variable) No balance transfer fees No foreign transaction fees No annual fee Must be 18 or older Must be a UK resident Must be earning at least £10,000 per year
Natwest Reward Card »	23.7%	18.9%	18.9%	More Info >
NatWest Reward Card Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable) 18.9% pa (variable) for purchases and balance transfers 1% Reward in all Supermarkets (0.5% at their petrol stations) At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad Refund of the annual fee if also have a Reward current account Must be 18 or older Must be a UK resident £24 annual fee

* See Credit Card Provider Terms & Conditions

0% on Purchase Credit Card Deals

Provider	Representative APR (Variable)	Purchases	Balance Transfer	Apply
Santander All in One Credit Card	21.7%	0% for 30 months	0% for 30 months	More Info >
Santander All in One Credit Card Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200. 0% for 30 months on purchases 0% for 30 months on balance transfers, with 0% transfer fee 0.5% cashback on all purchases with no limit No monthly fee for 6 months on the All in One Credit Card if you have a 123 current account. Qualifying criteria applies Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers. £3 pm (£36 pa) Must be aged 18 or over
Post Office Platinum Credit Card »	17.8%	0% for 28 months	0% for 18 months	More Info >
Post Office Platinum Credit Card (Provided by Bank of Ireland UK) Representative 17.8% APR variable. Based on assumed borrowing of £1,200. 0% on balance transfers for 18 months, with 2.98% fee 0& on purchases for 28 months No fees on purchases overseas No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Post Office Matched Credit Card »	19.9%	0% for 25 months	0% for 25 months	More Info >
Post Office Matched Credit Card (Provided by Bank of Ireland UK) Representative 19.9% APR variable. Based on assumed borrowing of £1,200. 0% on purchases for the first 25 months 0% on balance transfers for 25 months (2.89% fee) No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfers must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Nationwide Select Credit Card (available to existing current account customers only) »	15.9%	0% for 12 months	0% for 12 months (no fee)	More Info >
Nationwide Select Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your representative APR will be 15.9% (variable). 0% balance transfer term of 12 months (no fee) 0% on purchases for 12 months Free banking app Manage card online Must be 18 or older Lived in the UK for the last 12 months No BT fee only if transferring a balance in the first 90 days (2.4% thereafter) Nationwide Current Account holders only, paying in £750+ per month
Nationwide Credit Card (available to existing current account customers only) »	17.9%	0% for 12 months	0% for 12 months (no fee)	More Info >
Nationwide Credit Card Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable). 0% balance transfer term of 12 months (no fee) 0% on purchases for 12 months Free banking app Manage card online Must be 18 or older Lived in the UK for the last 12 months No BT fee only if transferring a balance in the first 90 days (2.4% thereafter) Nationwide Current Account, Savings or Mortgage holders only
Santander Everyday Credit Card	18.9%	0% for 3 months	0% for 27 months	More Info >
Santander Everyday Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% for 3 months on purchases 0% for 27 months on balance transfers, with no transfer fee No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over
Post Office Balance Transfer Credit Card »	18.9%	0% for 3 months	0% for 35 months	More Info >
Post Office Balance Transfer Credit Card (Provided by Bank of Ireland UK) Representative 18.9% APR variable. Based on assumed borrowing of £1,200. 0% on balance transfers for 35 months (2.85% fee) 0% on purchases for the first 3 months No cash fee if you purchase Post Office Travel Money Must be 18 or older Must be a UK resident Must not already hold a Post Office Credit Card Balance transfer must be made with 3 months of account opening Post OfficeCredit Card is provided by Bank of Ireland UK.
Natwest Credit Card »	9.9%	9.9%	6.9%	More Info >
NatWest Credit Card Representative Example: 9.9% APR variable, based on assumed credit limit of £1,200. Standard interest rate for purchases 9.9% pa (variable) No balance transfer fees No foreign transaction fees No annual fee Must be 18 or older Must be a UK resident Must be earning at least £10,000 per year
The Royal Bank Credit Card »	9.9%	9.9%	6.9%	More Info >
The Royal Bank Credit Card Representative Example: 9.9% APR variable, based on assumed credit limit of £1,200. Standard interest rate for purchases 9.9% pa (variable) No balance transfer fees No foreign transaction fees No annual fee Must be 18 or older Must be a UK resident Must be earning at least £10,000 per year
Natwest Reward Card »	23.7%	18.9%	18.9%	More Info >
NatWest Reward Card Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable) 18.9% pa (variable) for purchases and balance transfers 1% Reward in all Supermarkets (0.5% at their petrol stations) At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad Refund of the annual fee if also have a Reward current account Must be 18 or older Must be a UK resident £24 annual fee
Santander Zero Credit Card	18.9%	18.9% pa	N/a	More Info >
Santander Zero Credit Card Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee). No monthly fee Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers Must be aged 18 or over

* See Credit Card Provider Terms & Conditions

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