Compare 0% interest free credit cards

Whether you're looking to make a new purchase or transfer a balance, there are lots of credit cards to help you get there. Find the longest 0% card with our comparison table.

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score.

32 results found, sorted by longest balance transfer period. How we order our comparisons.
Sort
Sainsbury's Bank Balance Transfer 30 Months Credit Card
Representative APR (variable)
19.9% APR
Balance transfers
0% for 30 months with a 1.5% fee (£3 min.)
Purchases
0% for 3 months
Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 30 or 24 months depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Platinum Balance Transfer (29 Mths)
Representative APR (variable)
21.9% APR
Balance transfers
0% for 29 months with a 2.69% fee
Purchases
0% for 3 months
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Halifax Long 0% Balance Transfer Credit Card
Representative APR (variable)
21.9% APR
Balance transfers
0% for 29 months with a 2.7% fee
Purchases
0% for 9 months
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money Balance Transfer Credit Card (29 Mths) (23.9%)
Representative APR (variable)
23.9% APR
Balance transfers
0% for 29 months with a 2.7% fee
Purchases
0% for 3 months
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (29 Mths) (21.9%)
Representative APR (variable)
21.9% APR
Balance transfers
0% for 29 months with a 2.7% fee
Purchases
0% for 3 months
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (29 Mths) (25.9%)
Representative APR (variable)
25.9% APR
Balance transfers
0% for 29 months with a 2.7% fee
Purchases
0% for 3 months
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Sainsbury's Bank Balance Transfer 28 Month Credit Card
Representative APR (variable)
21.9% APR
Balance transfers
0% for 28 months with a 1% fee (£3 min.)
Purchases
0% for 3 months
A Balance Transfer fee of 1% or 1.5% applies on transfers made within the first 3 months, depending on your individual circumstances (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 28 or 20 months, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Platinum Balance Transfer (28 Mths)
Representative APR (variable)
21.9% APR
Balance transfers
0% for 28 months with a 1.6% fee
Purchases
0% for 3 months
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Barclaycard Platinum Balance Transfer (27 Mths)
Representative APR (variable)
21.9% APR
Balance transfers
0% for 27 months with a 1.15% fee
Purchases
0% for 3 months
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Virgin Money Balance Transfer Credit Card (27 Mths) (21.9%)
Representative APR (variable)
21.9% APR
Balance transfers
0% for 27 months with a 1.2% fee
Purchases
0% for 3 months
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (27 Mths) (23.9%)
Representative APR (variable)
23.9% APR
Balance transfers
0% for 27 months with a 1.2% fee
Purchases
0% for 3 months
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (27 Mths) (25.9%)
Representative APR (variable)
25.9% APR
Balance transfers
0% for 27 months with a 1.2% fee
Purchases
0% for 3 months
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Barclaycard Platinum Balance Transfer (24 Mths)
Representative APR (variable)
21.9% APR
Balance transfers
0% for 24 months with a 0.9% fee
Purchases
0% for 6 months
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Representative APR (variable)
20.9% APR
Balance transfers
0% for 22 months with a 3% fee (£3 min.)
Purchases
0% for 22 months
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Representative APR (variable)
20.9% APR
Balance transfers
0% for 21 months with no fee
Purchases
0% for 3 months
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Representative APR (variable)
21.9% APR
Balance transfers
0% for 20 months with a 2.9% fee
Purchases
0% for 21 months
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 28 July, 2021

How do 0% interest credit cards work?

With an interest-free credit card, you don't have to pay interest on your purchases for a set amount of time. The length of the interest-free period can range from just a few months to over two years.

Having a 0% credit card could save you a lot of money in interest. It can also be a good way to spread the cost of purchases. But be aware that they have to be used with care, or they could still leave you out of pocket.

What are the different types of interest-free credit cards?

There are a few different types of interest free credits cards. Each is suited for a different types of spending. Here are the most common ones:

0% interest purchase cards

With an interest free purchases card you can spread the cost of large purchases by repaying your balance in monthly instalments without paying any interest for up to two years or more.

Find out more

0% interest balance transfer cards

With an interest free balance transfer card you can move your debt on other credit cards pay it off interest free in monthly instalments. Many balance transfer card charge a fee of up to 5% to transfer your balance, so make sure the fee is less than what you'd pay in interest on your debt.

Find out more

0% interest money transfer cards

These cards allow you transfer money into your bank account. They're useful for paying off overdrafts or other kinds of debt. The interest free period allows you to pay off the balance without paying any interest, but make sure you pay off the whole balance before the interest free period ends.

Find out more

What should I use my interest-free credit card for?

If you've got an interest-free credit card, it can be easy for your spending to spiral out of control. It's important that you don't let this happen.

Interest-free credit cards work best when you get them for a specific, planned purchase. They're best used for larger purchases, rather than everyday spending. For example, you might need new dining furniture. Ideally, you'd only borrow what you're spending on that furniture, and then you'd pay it back before the 0% period ends. You could also do the same for purchasing a holiday.

If you fall into the trap of using your 0% credit card to supplement your income, or to frivolously overspend, you could find yourself in deep debt.

How to select the best interest-free credit card

Lenders are always under great pressure to attract new customers. This has led to many companies offering attractive interest-free credit card deals.

It's a growing trend, and some lenders offer extended interest-free deals. For example, you could get an interest-free credit card deal lasting up to 29 months. That could mean any purchases you make won't attract interest until your introductory rate expires after 29 months.

There are lots of benefits to be had for savvy customers. For example, if you pick a 12 months interest free credit card, you'll have a year in which to settle your debts without incurring interest.

Who qualifies for an interest free credit card?

If you're looking to qualify for a credit card with lengthy interest free periods, you'll most likely need to have a good income and credit score.

You might find that you don't qualify due to your circumstances. For example, finding an interest-free credit card with bad credit can be particularly difficult.

Interest-free credit cards are typically aimed at what lenders call 'prime customers'. A prime customer is one with a good income and good credit rating.

If you're struggling to find a credit card that will accept someone with your credit history, you should try shopping around and perhaps consider different kinds of credit cards.

This is why it's good to use an eligibility checker to find out which cards are more likely to accept you before you make an application. It'll save you from wasting time on applying for cards that you're not suited for.

More importantly, every application you make leaves a mark on your credit record. Too many applications in a short period of time can make you look like you are desperate for credit. This isn't appealing to potential lenders as it suggests you're not financially stable.

Is an interest-free credit card the cheapest way to borrow money?

An interest-free credit card certainly can be the cheapest way to borrow money. But this relies on you being organised and committed enough to making your repayments as agreed.

Don't forget that you'll also have a credit limit on a credit card. So, if you need to borrow more than your credit limit allows, an interest-free credit card might not work for you.

What are the pros and cons of an interest-free credit card?

As with anything, interest-free credit cards come with pros and cons.

Pros

  • You can borrow without paying any interest at all, if you use the card smartly and pay it off in time.
  • You can spread the cost of a large purchase.
  • You can get protection on purchases between £100 and £30,000 with most credit cards.

Cons

  • You could get into debt if you don't pay it off before the 0% period ends, because the interest rate on the card will increase significantly.
  • You'll be subject to a credit limit, so you can't always borrow as much as you'd like to.
  • If you miss repayments, you could lose your 0% benefit, or you could be charged a fee.
  • It can be tempting to start making frivolous purchases during your 0% period, but this could land you in unnecessary debt.

Explore credit cards guides

See more guides

credit card in a portable credit card reader machine

How to use a credit card for interest free purchases

0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.

Read More
A picture of a man holding a credit card next to a laptop and phone

How to get accepted for a credit card

Here is how to improve your chances of getting accepted for a credit card.

Read More
Visa and Mastercard

What is the difference between Visa and MasterCard?

MasterCard and Visa work very similarly to one another. They are payment networks, which process payments when you spend using your credit, debit or prepaid card.

Read More

Which Credit Card Is Best For Me? - Choose a card

Choosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.

Read More
Black and red scoring gauge

How to improve your credit score

You can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.

Read More

How to use cashback credit cards

If you pay off your credit card every month you could make a profit on your spending with a cashback card. Here is how to pick a card and maximise what you earn.

Read More

Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.