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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		 Typical APR
(variable)		  
Capital One Balance Transfer & Purchase 0% until November 2009 3%  0% until November 2008 15.9% Details / Apply
Capital One Platinum 0% until October 2009 3%  0% until October 2009 12.9% Details / Apply
Virgin 0% for 15 months 2.98%  0% for 3 months 15.9% Details / Apply
Egg 0% for up to 15 months 3%  0% for 3 months 16.9% Details / Apply
Barclaycard Platinum 0% for 14 months 2.9%  0% for 3 months 14.9% Details / Apply
Lloyds TSB Platinum 0% for 14 months 3%  0% for 3 months 15.9% Details / Apply
MBNA Platinum Plus 0% until August 2009 2.9%  0% until October 2008 15.9% Details / Apply
NatWest 0% for 13 months 2.9% - min £5  0% for 6 months 15.9% Details / Apply
Royal Bank of Scotland 0% for 13 months 2.9% - min £5  0% for 6 months 15.9% Details / Apply
HSBC Bank 0% for 13 months 2.5% - min £5  0% for 3 months 16.9% Details / Apply
Barclaycard Breathe 0% for 12 months 2.5%  14.9% 14.9% Details / Apply
Barclaycard Platinum with cashback 0% for 12 months 2.5%  14.9% 14.9% Details / Apply
National Trust Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
MBNA Football Association 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Sony Card 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
MBNA Premiership Football 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Breakthrough Breast Cancer Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
WWF Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Halifax 0% for 10 months 3%  0% for 10 months 15.9% Details / Apply
Post Office 2 in 1 0% for 10 months 2.75%  0% for 3 months 15.9% Details / Apply
Amazon 0% for 9 months 3% - min £3  0% for 6 months 15.9% Details / Apply
GM 0% for 5 months 2% - min £5  0% for 5 months 14.9% 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		 Typical APR
(variable)		  
Capital One Platinum 0% until October 2009 3%  0% until October 2009 12.9% Details / Apply
Barclaycard Platinum 0% for 14 months 2.9%  0% for 3 months 14.9% Details / Apply
Barclaycard OnePulse 14.9% 2.5%  0% for 6 months 14.9% Details / Apply
Amazon 0% for 9 months 3% - min £3  0% for 6 months 15.9% Details / Apply
MBNA Football Association 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Post Office 2 in 1 0% for 10 months 2.75%  0% for 3 months 15.9% Details / Apply
Sony Card 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Halifax 0% for 10 months 3%  0% for 10 months 15.9% Details / Apply
MBNA Premiership Football 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Capital One Low Rate Balance Transfer 5.5% 3%  0% until January 2009 15.9% Details / Apply
Capital One Balance Transfer & Purchase 0% until November 2009 3%  0% until November 2008 15.9% Details / Apply
MBNA Platinum Plus 0% until August 2009 2.9%  0% until October 2008 15.9% Details / Apply
Lloyds TSB Platinum 0% for 14 months 3%  0% for 3 months 15.9% Details / Apply
NatWest 0% for 13 months 2.9% - min £5  0% for 6 months 15.9% Details / Apply
Royal Bank of Scotland 0% for 13 months 2.9% - min £5  0% for 6 months 15.9% Details / Apply
WWF Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Breakthrough Breast Cancer Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
National Trust Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Egg 0% for up to 15 months 3%  0% for 3 months 16.9% Details / Apply
HSBC Bank 0% for 13 months 2.5% - min £5  0% for 3 months 16.9% 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		 Typical APR
(variable)		  
Barclaycard Platinum 0% for 14 months 2.9%  0% for 3 months 14.9% Details / Apply
WWF Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Breakthrough Breast Cancer Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
MBNA Football Association 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
National Trust Charity 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Post Office 2 in 1 0% for 10 months 2.75%  0% for 3 months 15.9% Details / Apply
MBNA Platinum Plus 0% until August 2009 2.9%  0% until October 2008 15.9% Details / Apply
Sony Card 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Lloyds TSB Platinum 0% for 14 months 3%  0% for 3 months 15.9% Details / Apply
MBNA Premiership Football 0% for 12 months 3%  0% for 3 months 15.9% Details / Apply
Egg 0% for up to 15 months 3%  0% for 3 months 16.9% Details / Apply
HSBC Bank 0% for 13 months 2.5% - min £5  0% for 3 months 16.9% Details / Apply
Capital One Balance Transfer & Purchase 0% until November 2009 3%  0% until November 2008 15.9% Details / Apply
Amazon 0% for 9 months 3% - min £3  0% for 6 months 15.9% Details / Apply
NatWest 0% for 13 months 2.9% - min £5  0% for 6 months 15.9% Details / Apply
Royal Bank of Scotland 0% for 13 months 2.9% - min £5  0% for 6 months 15.9% Details / Apply
Halifax 0% for 10 months 3%  0% for 10 months 15.9% Details / Apply
Capital One Platinum 0% until October 2009 3%  0% until October 2009 12.9% Details / Apply