Great for: 0% interest for Nationwide customers
If you are looking for a credit card that offers a wide range of features, the Nationwide Select Credit Card is likely to be appealing. It has a 12-month introductory 0% interest rate on purchases and balance transfers, as well as no balance transfer fee. Although there are longer 0% interest rate periods available elsewhere, the card’s lack of foreign exchange fees could help it stand out from its rivals. Note though that it is only available to existing customers of Nationwide who have their main current account with the provider.
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- Fair/Average
- Good/Excellent
what we like
- 0% interest for 12 months on purchases
- 0% interest for 12 months on balance transfers
- No balance transfer fee
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
15.9% -
INTRO OFFER:
0% interest for 12 months on purchases
0% interest for 12 months on balance transfers
KEY SCORES:
- 3/5 Perks
- 3/5Fees
- 5/5APR
Great for: 0% offers, cashback and travel benefits in one card
A highly multi-functional card that should serve a wide variety of users. The All in One card offers 26-month 0% periods on both balance transfers and purchases. During the promotional period, there’s no balance transfer fee — a very nice benefit. For travellers, there’s no foreign transaction fee. And if that’s not enough, the card offers cashback rewards as well. Cardholders get 0.5% cashback on all spend. The only major drawback is that there is a fee on this card of £3 per month (£36 annually).
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest for 26 months from account opening on balance transfers
- 0% interest for 26 months from account opening on purchases
- 0.5% cashback on all purchases
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ANNUAL FEE:
£36 -
REPRESENTATIVE APR:
21.7% -
INTRO OFFER:
0% interest for 26 months from account opening on balance transfers
0% interest for 26 months from account opening on purchases
KEY SCORES:
- 5/5 Perks
- 3/5Fees
- 5/5APR
Great for: Balance transfers with no fee
Santander’s Everyday Card stacks up really well against the competition. 18 months of 0% interest on balance transfers is not at the very top end of the scale, but this comes without a fee on balance transfers. The three months of 0% interest on purchases is a bit shorter than some competing cards, but it’s still nice to get that 0% purchase period. As a sweetener, there are cashback awards available from companies like Costa Coffee, Subway, and Morrisons through Santander’s free ‘Retailer Offers’ service, available through online and mobile banking.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest for 18 months on balance transfers
- No fee for balance transfers
- 0% interest for the first 3 months on purchases
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
18.9% -
INTRO OFFER:
0% on Balance Transfers for 18 months
0% on Purchases for 3 months
KEY SCORES:
- 3/5 Perks
- 4.5/5Fees
- 4.5/5APR
Great for: Balance transfers with no fee
There’s a lot to like with the Sainsbury’s Bank balance transfer card. Cardholders get 18 months of 0% interest on balance transfers along with fee-free balance transfers over the first three months. In addition, cardholders can also take advantage of 0% interest on purchases over the first three months. And like other Sainsbury’s cards, users get perks in the form of Nectar points.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest on balance transfers for the first 18 months
- No fee on balance transfers made in the first 3 months
- 0% interest on purchases for the first 3 months
- Up to 7,500 bonus Nectar points in the first 2 months
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
20.9% -
INTRO OFFER:
0% on balance transfers for 18 months
0% on purchases for 3 months
KEY SCORES:
- 3.5/5 Perks
- 5/5Fees
- 3.5/5APR
Great for: 0% on purchases and balance transfers, no balance-transfer fee
The Tesco Bank 12 Month All Round Credit Card succeeds by being just what the name says: a good all-round option. You can find longer 0% interest periods elsewhere, but 12 months of 0% on purchases, balance transfers, and money transfers is a nice combination. No balance transfer fee adds to the appeal, as does the ability to earn Clubcard points.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest for 12 months on purchases
- 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
- No annual fee
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
19.9% -
INTRO OFFER:
0% interest for 12 months on purchases, balance transfers and money transfers
KEY SCORES:
- 4/5 Perks
- 3/5Fees
- 4/5APR