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? |
|---|---|---|---|---|---|---|---|---|
| Tesco a | Club Card | Typical 16.9% APR (Variable) | 0.0% | 13 months | 0.0% | 3 months | - |  |
| Egg b | Credit Card | Typical 16.9% APR (Variable) | 0.0% | May 2009 | 0.0% | July 2008 | - | |
| Virgin Money c | Virgin Credit Card | Typical 15.9% APR (Variable) | 0.0% | 15 months | 0.0% | 3 months | 0.0% | |
| MBNA d | Platinum | Typical 15.9% APR (Variable) | 0.0% | May 2009 | 0.0% | July 2008 | 0.0% | |
| Tesco e | Bonus Card | Typical 15.9% APR (Variable) | 0.0% | 13 months | 0.0% | 3 months | - | |
| MBNA f | Platinum Rewards | Typical 15.9% APR (Variable) | 0.0% | May 2009 | 0.0% | July 2008 | - | |
| Royal Bank of Scotland g | Classic Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| MBNA h | Business Cashback Card | Typical 17.9% APR (Variable) | 0.0% | 9 months | 0.0% | 3 months | - | |
| MBNA i | Business Card | Typical 17.9% APR (Variable) | 0.0% | 12 months | 0.0% | 3 months | - | |
| MBNA j | Business Card | Typical 15.9% APR (Variable) | 0.0% | 12 months | 0.0% | 3 months | - | |
a - 0% on everything you buy in Tesco for 13 months. Fastest way to collect Clubcard points everywhere you shop!
b - Plus 0% anniversary offer for up to five months on balance transfers (plus fee*) made in Apr 2010 & Apr 2011.
c - Can’t wait to get a credit card? They could give you a decision online right now.
d - 0% p.a. on transferring cash into your current account until May 2009. Apply for an Instant Decision!
e - The only credit card to give you an interest payment back! 0% on everything you buy in Tesco for 13 months.
f - Earn 1 Reward point for every £1 you spend & redeem them against flights, shopping vouchers & more.
g - Get 0% on balance transfers for 13 months (2.9% fee applies).
h - 0.5% cashback on all card purchases** plus double cashback on fuel purchases. £29 annual fee.
i - 20,000 free bmi destinations miles with your first card purchases & free travel insurance. £69 annual fee.
j - Ideal for separating personal and business expenditure. No annual 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.
