0% APR Credit Cards
We detail the best deals for introductory 0% APR credit cards in the UK. Find a low interest, zero percent card to make purchases and balance transfers. The table below details the best 0% APR credit cards for new purchases. 0% interest on purchases is only available for a limited period, usually about six months, before the standard APR rate applies. If you are interested in finding the best balance transfer deals, see our Best 0% balance transfer deals table.
We have also detailed in the table any introductory offers relating to credit card balance transfers, any cashback being offered and the standard APR that applies once any introductory offers have expired.
We also provide three other 'best buy tables' covering 0% balance transfers, cash back deals and low standard APR rates.
| Company | Card Type | Typical APR (Variable) | Bal Trans | Duration | Intro Rate | Duration | Cashback | Apply? |
|---|---|---|---|---|---|---|---|---|
| Capital One a | Platinum | Typical 12.9% APR (Variable) | 0.0% | 1st May 2009 | 0.0% | 2009-05-01 | 0.0% |  |
| Barclaycard b | Platinum | Typical 14.9% APR (Variable) | 0.0% | 14 months | 0.0% | 3 months | 0.0% | |
| MBNA c | Platinum | Typical 15.9% APR (Variable) | 0.0% | May 2009 | 0.0% | July 2008 | 0.0% | |
| Lloyds TSB d | Platinum | Typical 16.9% APR (Variable) | 0.0% | 12 months | 0.0% | 6 months | - | |
| NatWest e | Classic Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Virgin Money f | Virgin Credit Card | Typical 15.9% APR (Variable) | 0.0% | 15 months | 0.0% | 3 months | 0.0% | |
| Egg g | Credit Card | Typical 16.9% APR (Variable) | 0.0% | May 2009 | 0.0% | July 2008 | - | |
| BT h | Credit Card | Typical 16.9% APR (Variable) | 0.0% | 12 months | 0.0% | 3 months | - | |
| BMI i | bmi Amex | Typical 15.9% APR (Variable) | 0.0% | 12 months | 0.0% | 3 months | - | |
| MBNA j | Celtic FC Card | Typical 15.9% APR (Variable) | 0.0% | 12 months | 0.0% | 3 months | - | |
a - Register Online for Free Identity Alerts powered by Equifax
b - Plus a range of other benefits.
c - 0% p.a. on transferring cash into your current account until May 2009. Apply for an Instant Decision!
d - Minimum spend of £100 in the first 3 months applies.
e - Get 0% on balance transfers for 13 months (2.9% fee applies) and 0% for 6 months on all your purchases.
f - Can’t wait to get a credit card? They could give you a decision online right now.
g - Plus 0% anniversary offer for up to five months on balance transfers (plus fee*) made in Apr 2010 & Apr 2011.
h - Earn money off your BT bill* Win a trip to Beijing 2008 Olympic Games, or a Panasonic 42" plasma TV.
i - 20,000 free destinations miles with your first card purchase (enough for a return flight to Spain or Italy!)
j - Earn Celtic reward points that can be exchanged for exclusive 'money can't buy' rewards. 3% handling fee.
Whilst every care has been taken to ensure the information displayed here is correct, always check the details of a card before applying as offers are subject to change without notice.
