Introductory Interest Free Deals

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% APR for an introductory period on debts transferred from another card
Card Intro Rate
Balance Transfers		 Intro Rate
Purchases		 Representative APR
(variable)
Barclaycard Platinum
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP 		0% for 27 months
(Fee: 3.5%) 		0% for 6 months 18.9% Details / Apply
Freeze your interest at 0% until 2015!
Representative Example
18.9% APR representative variable
18.9% p.a. variable on purchases
£1,200 assumed credit limit
RBS Platinum
The Royal Bank of Scotland plc.
36 St Andrew Square,
Edinburgh,
EN2 2YB 		0% for 26 months
(Fee: 2.65% - min £5) 		0% for 6 months 18.9% Details / Apply
You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 18.9% APR (variable)
Purchase rate: 18.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
NatWest Platinum
 0% for 26 months
(Fee: 2.65% - min £5) 		0% for 6 months 18.9% Details / Apply
Exclusive online offer You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 18.9% APR (variable)
Purchase rate: 18.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Bank of Scotland Platinum
 0% for 18 months
(Fee: 3%) 		0% for 3 months 17.9% Details / Apply
Representative Example
17.9% APR representative variable
17.95% p.a. variable on purchases
£1,200 assumed credit limit
AA Balance Transfer
 0% for 16 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend Rewards: Collect AA Rewards Points and exchange them for a range of motoring products and services. Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
Representative Example
17.9% representative APR variable
17.9% p.a. variable on purchases
£1,200 credit limit
NatWest YourPoints World
 0% for 15 months
(Fee: 2.9% - min £5) 		0% for 15 months 16.9% Details / Apply
Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
Representative Example
Representative APR: 16.9% APR (variable)
Purchase rate: 16.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
RBS YourPoints World
 0% for 15 months
(Fee: 2.9% - min £5) 		0% for 15 months 16.9% Details / Apply
Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
Representative Example
Representative APR: 16.9% APR (variable)
Purchase rate: 16.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Halifax All In One
 0% for 15 months
(Fee: 3% - min £3) 		0% for 15 months 17.9% Details / Apply
Balance transfer fee refund offer reduces a 3% balance transfer fee to 1% on balance transfers over £100. The APR and length of the promotional offer are dependent on your personal circumstances
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Post Office
 0% for 14 months
(Fee: 2.98%) 		0% for 3 months 16.9% Details / Apply
No fees on purchases overseas, no cash advance fee when purchasing Post Office Travel Money plus 15% off Post Office Annual Multi-Trip Travel Insurance
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Barclaycard Platinum Purchase
 0% for 14 months
(Fee: 2.9%) 		0% for 14 months 18.9% Details / Apply
Bursting with easy ways to help you spread the cost
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland Platinum Purchase
 0% for 13 months
(Fee: 3%) 		0% for 13 months 17.9% Details / Apply
Exclusive online offer not available on the high street
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
AA Credit Card
 0% for 12 months
(Fee: 3% - min £3) 		0% for 10 months 16.9% Details / Apply
Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Barclaycard Gold
 0% for 12 months
(Fee: 2.5%) 		19.9% 19.9% Details / Apply
Includes contactless technology for quick and easy payments on purchases £20 or under
Representative Example
19.9% representative APR variable
19.9% p.a. variable on purchases
£1,200 credit limit
Lloyds TSB Duo Avios
 0% for 6 months
(Fee: 3%) 		17.9% 17.9% Details / Apply
Two cards on one account gives you the flexibility to collect Avios as fast as possible. Get off to a flying start with 1,500 Avios for every whole £1,000 balance transferred plus you could get 15,000 Avios when you spend £500 a month for the first three months To apply, you must be a UK resident aged 18 or over, with a good credit rating and income of £15,000 or more. Rewards: Collect up to 1 Avios for every £1 spent plus double Avios abroad. Avios can be used for flights, hotel breaks, holidays, cruises or even days out
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchases
Based on £1,200 credit limit

0% APR for an introductory period on new purchases
Card Intro Rate
Balance Transfers		 Intro Rate
Purchases		 Representative APR
(variable)
RBS YourPoints World
 0% for 15 months
(Fee: 2.9% - min £5) 		0% for 15 months 16.9% Details / Apply
Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
Representative Example
Representative APR: 16.9% APR (variable)
Purchase rate: 16.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
NatWest YourPoints World
 0% for 15 months
(Fee: 2.9% - min £5) 		0% for 15 months 16.9% Details / Apply
Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
Representative Example
Representative APR: 16.9% APR (variable)
Purchase rate: 16.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Halifax All In One
 0% for 15 months
(Fee: 3% - min £3) 		0% for 15 months 17.9% Details / Apply
Balance transfer fee refund offer reduces a 3% balance transfer fee to 1% on balance transfers over £100. The APR and length of the promotional offer are dependent on your personal circumstances
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Barclaycard Platinum Purchase
 0% for 14 months
(Fee: 2.9%) 		0% for 14 months 18.9% Details / Apply
Bursting with easy ways to help you spread the cost
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland Platinum Purchase
 0% for 13 months
(Fee: 3%) 		0% for 13 months 17.9% Details / Apply
Exclusive online offer not available on the high street
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
AA Credit Card
 0% for 12 months
(Fee: 3% - min £3) 		0% for 10 months 16.9% Details / Apply
Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Lloyds TSB Advance
 4.9% for 12 months
(Fee: 3%) 		0% for 6 months 11.9% Details / Apply
Representative Example
11.9% representative APR variable
11.95% p.a. variable on purchase
£1,200 credit limit
RBS Platinum
The Royal Bank of Scotland plc.
36 St Andrew Square,
Edinburgh,
EN2 2YB 		0% for 26 months
(Fee: 2.65% - min £5) 		0% for 6 months 18.9% Details / Apply
You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 18.9% APR (variable)
Purchase rate: 18.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Barclaycard Platinum
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP 		0% for 27 months
(Fee: 3.5%) 		0% for 6 months 18.9% Details / Apply
Freeze your interest at 0% until 2015!
Representative Example
18.9% APR representative variable
18.9% p.a. variable on purchases
£1,200 assumed credit limit
NatWest Platinum
 0% for 26 months
(Fee: 2.65% - min £5) 		0% for 6 months 18.9% Details / Apply
Exclusive online offer You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 18.9% APR (variable)
Purchase rate: 18.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Post Office
 0% for 14 months
(Fee: 2.98%) 		0% for 3 months 16.9% Details / Apply
No fees on purchases overseas, no cash advance fee when purchasing Post Office Travel Money plus 15% off Post Office Annual Multi-Trip Travel Insurance
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
AA Balance Transfer
 0% for 16 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend Rewards: Collect AA Rewards Points and exchange them for a range of motoring products and services. Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
Representative Example
17.9% representative APR variable
17.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland Platinum
 0% for 18 months
(Fee: 3%) 		0% for 3 months 17.9% Details / Apply
Representative Example
17.9% APR representative variable
17.95% p.a. variable on purchases
£1,200 assumed credit limit
Barclaycard Initial
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP 		- 0% for 3 months 29.9% Details / Apply
Receive £10 cashback when you spend a minimum of £200 in the first 3 months of opening your account (terms and conditions apply) Suitable for people looking to obtain their first credit card or build up credit history. Simplify your finances and improve your credit rating even if you have missed payments or have had CCJs over 12 months ago
Representative Example
29.9% representative APR variable
29.9% p.a. variable on purchases
£1,200 credit limit
Lloyds TSB Duo Avios
 0% for 6 months
(Fee: 3%) 		17.9% 17.9% Details / Apply
Two cards on one account gives you the flexibility to collect Avios as fast as possible. Get off to a flying start with 1,500 Avios for every whole £1,000 balance transferred plus you could get 15,000 Avios when you spend £500 a month for the first three months To apply, you must be a UK resident aged 18 or over, with a good credit rating and income of £15,000 or more. Rewards: Collect up to 1 Avios for every £1 spent plus double Avios abroad. Avios can be used for flights, hotel breaks, holidays, cruises or even days out
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchases
Based on £1,200 credit limit

0% APR for an introductory period on balances transferred and new purchases
Card Intro Rate
Balance Transfers		 Intro Rate
Purchases		 Representative APR
(variable)
Post Office
 0% for 14 months
(Fee: 2.98%) 		0% for 3 months 16.9% Details / Apply
No fees on purchases overseas, no cash advance fee when purchasing Post Office Travel Money plus 15% off Post Office Annual Multi-Trip Travel Insurance
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
AA Balance Transfer
 0% for 16 months
(Fee: 2.9%) 		0% for 3 months 17.9% Details / Apply
Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend Rewards: Collect AA Rewards Points and exchange them for a range of motoring products and services. Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
Representative Example
17.9% representative APR variable
17.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland Platinum
 0% for 18 months
(Fee: 3%) 		0% for 3 months 17.9% Details / Apply
Representative Example
17.9% APR representative variable
17.95% p.a. variable on purchases
£1,200 assumed credit limit
NatWest Platinum
 0% for 26 months
(Fee: 2.65% - min £5) 		0% for 6 months 18.9% Details / Apply
Exclusive online offer You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 18.9% APR (variable)
Purchase rate: 18.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Barclaycard Platinum
Barclays Bank PLC
1 Churchill Place,
London,
E14 5HP 		0% for 27 months
(Fee: 3.5%) 		0% for 6 months 18.9% Details / Apply
Freeze your interest at 0% until 2015!
Representative Example
18.9% APR representative variable
18.9% p.a. variable on purchases
£1,200 assumed credit limit
RBS Platinum
The Royal Bank of Scotland plc.
36 St Andrew Square,
Edinburgh,
EN2 2YB 		0% for 26 months
(Fee: 2.65% - min £5) 		0% for 6 months 18.9% Details / Apply
You must be aged over 18 and earning at least £10,000 to apply
Representative Example
Representative APR: 18.9% APR (variable)
Purchase rate: 18.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
AA Credit Card
 0% for 12 months
(Fee: 3% - min £3) 		0% for 10 months 16.9% Details / Apply
Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
Representative Example
16.9% representative APR variable
16.9% p.a. variable on purchases
£1,200 credit limit
Bank of Scotland Platinum Purchase
 0% for 13 months
(Fee: 3%) 		0% for 13 months 17.9% Details / Apply
Exclusive online offer not available on the high street
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit
Barclaycard Platinum Purchase
 0% for 14 months
(Fee: 2.9%) 		0% for 14 months 18.9% Details / Apply
Bursting with easy ways to help you spread the cost
Representative Example
18.9% representative APR variable
18.9% p.a. variable on purchases
£1,200 credit limit
NatWest YourPoints World
 0% for 15 months
(Fee: 2.9% - min £5) 		0% for 15 months 16.9% Details / Apply
Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
Representative Example
Representative APR: 16.9% APR (variable)
Purchase rate: 16.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
RBS YourPoints World
 0% for 15 months
(Fee: 2.9% - min £5) 		0% for 15 months 16.9% Details / Apply
Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
Representative Example
Representative APR: 16.9% APR (variable)
Purchase rate: 16.95% p.a. (variable)
Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
Halifax All In One
 0% for 15 months
(Fee: 3% - min £3) 		0% for 15 months 17.9% Details / Apply
Balance transfer fee refund offer reduces a 3% balance transfer fee to 1% on balance transfers over £100. The APR and length of the promotional offer are dependent on your personal circumstances
Representative Example
17.9% representative APR variable
17.95% p.a. variable on purchase
£1,200 credit limit

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