Introductory Interest Free Deals

0% Balance Transfers

0% Purchases

0% Balance Transfers & Purchases

Credit card lenders are so keen to get your custom that there's now a number of 0% credit card offers to choose from and, as long as your credit rating is fairly good, it makes sense to take advantage of them.

This trend began a couple of years ago with introductory rates of 0% on balance transfers, but now there are plenty of cards around which charge no interest on new purchases, and some are even offering both.

If you have an outstanding balance you could benefit from moving your debt to a card with an introductory 0% rate for balance transfers. 

If you want to use the card for purchases at the same time as transferring an old balance to it, then apply for a card that offers 0% for both balance transfers and new purchases.

As the introductory interest free period is for a limited time, ideally you want to apply for a card that offers a interest free period and a competitive ongoing standard rate.

Switching Credit Cards
As most of these introductory deals typically last for six months, it is possible is to switch credit cards when the introductory period has finished and the standard rate kicks in. For people who are unlikely to remember to do so, it might be better to opt for a card that offers a low standard (typical APR) interest rate until the transferred balance is cleared. 

0% Credit Cards - Balance Transfers
Credit cards offering 0% APR for an introductory period on balances transferred from another card.


Card Intro Rate
Balance Transfers
Balance Transfer Fee Intro Rate
Purchases
Cashback / Rewards Typical APR
(variable)
 
NatWest Platinum
1% off the APR for Advantage Gold customers
0% for 16 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
RBS Platinum
1% off the APR for Royalties Gold customers
0% for 16 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
Barclaycard Platinum
0% for 15 months 2.9%  0% for 3 months - 16.9% Details / Apply
HSBC Bank
This product is only available to existing HSBC customers
0% for 15 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
Virgin
Suitable for homeowners with a good credit history, aged at least 25 and in full time employment
0% for 14 months 2.98%  0% for 3 months - 16.6% Details / Apply
Egg
0% until September 2011 3%  0% until October 2010 Cash back at selected online retailers 17.9% Details / Apply
MBNA Platinum Plus
0% for 13 months 2.9%  0% for 3 months - 16.9% Details / Apply
MBNA Rewards
0% for 13 months 2.9% - min £3  0% for 3 months - 16.9% Details / Apply
Breakthrough Breast Cancer Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
Dogs Trust
Help abandoned, abused and stray dogs with the Dogs Trust card
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
UNICEF Charity
Help every child reach their full potential with the UNICEF card
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
AA Credit Card
0% for 12 months 3% - min £3  0% for 10 months Collect AA Rewards Points and exchange them for a range of motoring products and services 16.9% Details / Apply
British Heart Foundation Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
Sony Card
0% for 12 months 3% - min £3  0% for 6 months - 16.9% Details / Apply
National Trust Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
RSPCA Platinum
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
WWF Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
Virgin Purchases
0% for 12 months 2.98%  0% for 12 months Exclusive savings across the Virgin group and beyond 18.9% Details / Apply
Halifax All In One
0% for 10 months 3% - min £3  0% for 10 months - 15.9% Details / Apply
Bank of Scotland All In One
0% for 9 months 3% - min £3  0% for 9 months - 15.9% Details / Apply
Lloyds TSB Airmiles Duo Credit Card Account
Get two free flights with the Lloyds TSB Airmiles Duo Credit Card Account
0% for 6 months 3%  15.9% Collect Airmiles on purchases and balance transfers and redeem them for flights and hotels 15.9% Details / Apply

0% Credit Cards - Purchases
Credit cards offering 0% APR for an introductory period on new purchases.


Card Intro Rate
Balance Transfers
Balance Transfer Fee Intro Rate
Purchases
Cashback / Rewards Typical APR
(variable)
 
Virgin Purchases
0% for 12 months 2.98%  0% for 12 months Exclusive savings across the Virgin group and beyond 18.9% Details / Apply
Halifax All In One
0% for 10 months 3% - min £3  0% for 10 months - 15.9% Details / Apply
AA Credit Card
0% for 12 months 3% - min £3  0% for 10 months Collect AA Rewards Points and exchange them for a range of motoring products and services 16.9% Details / Apply
Bank of Scotland All In One
0% for 9 months 3% - min £3  0% for 9 months - 15.9% Details / Apply
Sony Card
0% for 12 months 3% - min £3  0% for 6 months - 16.9% Details / Apply
Express Rewards
Spend £500 in the first 3 months and receive 6,000 bonus points
17.9% 3%  0% for 6 months Collect points and exchange them for gift vouchers 17.9% Details / Apply
Virgin
Suitable for homeowners with a good credit history, aged at least 25 and in full time employment
0% for 14 months 2.98%  0% for 3 months - 16.6% Details / Apply
National Trust Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
Dogs Trust
Help abandoned, abused and stray dogs with the Dogs Trust card
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
MBNA Platinum Plus
0% for 13 months 2.9%  0% for 3 months - 16.9% Details / Apply
UNICEF Charity
Help every child reach their full potential with the UNICEF card
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
Barclaycard Platinum
0% for 15 months 2.9%  0% for 3 months - 16.9% Details / Apply
RBS Platinum
1% off the APR for Royalties Gold customers
0% for 16 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
Breakthrough Breast Cancer Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
HSBC Bank
This product is only available to existing HSBC customers
0% for 15 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
NatWest Platinum
1% off the APR for Advantage Gold customers
0% for 16 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
MBNA Rewards
0% for 13 months 2.9% - min £3  0% for 3 months - 16.9% Details / Apply
RSPCA Platinum
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
WWF Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
Egg
0% until September 2011 3%  0% until October 2010 Cash back at selected online retailers 17.9% Details / Apply
Lloyds TSB Airmiles Duo Credit Card Account
Get two free flights with the Lloyds TSB Airmiles Duo Credit Card Account
0% for 6 months 3%  15.9% Collect Airmiles on purchases and balance transfers and redeem them for flights and hotels 15.9% Details / Apply

0% Credit Cards - Purchases & Balance Transfers
Credit cards offering 0% APR for an introductory period on balances transferred from another card and new purchases.
Card Intro Rate
Balance Transfers
Balance Transfer Fee Intro Rate
Purchases
Cashback / Rewards Typical APR
(variable)
 
Virgin
Suitable for homeowners with a good credit history, aged at least 25 and in full time employment
0% for 14 months 2.98%  0% for 3 months - 16.6% Details / Apply
National Trust Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
UNICEF Charity
Help every child reach their full potential with the UNICEF card
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
MBNA Platinum Plus
0% for 13 months 2.9%  0% for 3 months - 16.9% Details / Apply
Barclaycard Platinum
0% for 15 months 2.9%  0% for 3 months - 16.9% Details / Apply
Dogs Trust
Help abandoned, abused and stray dogs with the Dogs Trust card
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
RBS Platinum
1% off the APR for Royalties Gold customers
0% for 16 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
Breakthrough Breast Cancer Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
HSBC Bank
This product is only available to existing HSBC customers
0% for 15 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
NatWest Platinum
1% off the APR for Advantage Gold customers
0% for 16 months 2.9% - min £5  0% for 3 months - 16.9% Details / Apply
MBNA Rewards
0% for 13 months 2.9% - min £3  0% for 3 months - 16.9% Details / Apply
RSPCA Platinum
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
WWF Charity
0% for 12 months 3% - min £3  0% for 3 months - 16.9% Details / Apply
Egg
0% until September 2011 3%  0% until October 2010 Cash back at selected online retailers 17.9% Details / Apply
Sony Card
0% for 12 months 3% - min £3  0% for 6 months - 16.9% Details / Apply
Bank of Scotland All In One
0% for 9 months 3% - min £3  0% for 9 months - 15.9% Details / Apply
Halifax All In One
0% for 10 months 3% - min £3  0% for 10 months - 15.9% Details / Apply
AA Credit Card
0% for 12 months 3% - min £3  0% for 10 months Collect AA Rewards Points and exchange them for a range of motoring products and services 16.9% Details / Apply
Virgin Purchases
0% for 12 months 2.98%  0% for 12 months Exclusive savings across the Virgin group and beyond 18.9% Details / Apply