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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
|
|
|