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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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: Long 0% interest on purchases and rewards
The Sainsbury’s Purchase Credit Card is a solid option for those looking for a long introductory 0% period for purchases. The card does have a balance transfer offer as well, giving users 0% interest on balances transferred from other cards. However this is only three months and carries a 3% fee.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest on purchases made over the first 20 months
- 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
- Up to 7,500 bonus Nectar points over first 2 months
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
20.9% -
INTRO OFFER:
20 months 0% interest on purchases
Up to 7,500 bonus Nectar points over first 2 months
KEY SCORES:
- 4/5 Perks
- 3/5Fees
- 3/5APR
Great for: Long 0% interest on purchases and balance transfers
The Barclaycard Platinum 18 Month 0% Interest Purchase and Balance Transfer Card combines two solid offers. Cardholders get 18 months of 0% interest on purchases, plus 18 months of 0% interest on balance transfers. There is a 2.9% fee on balance transfers, so those looking to keep costs down may want to look for a card that offers fee-free transfers.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest on purchases made over the first 18 months
- 0% interest on balance transfers for 18 months (but a 2.9% fee applies)
- Savings on live events with Barclaycard Entertainment
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
21.9% -
INTRO OFFER:
0% interest for 18 months on new purchases
0% interest for 18 months on balance transfers made in the first 60 days
KEY SCORES:
- 3/5 Perks
- 3/5Fees
- 3/5APR
Great for: Long 0% interest on purchases and rewards
Tesco Bank’s Purchases Card is a solid choice if you’re looking for a good period for 0% interest on your spending, as 18 months stacks up pretty well with competitors. The card gets even better if you’re a Tesco customer, since it’ll help you rack up Tesco points. You’ll get 1 Clubcard point for every £4 you spend at Tesco and 1 Clubcard point for every £8 that you spend elsewhere.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest on purchases made over the first 18 months
- 1 Clubcard point per £4 spent in Tesco and for every £8 spent elsewhere
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
19.9% -
INTRO OFFER:
0% purchases for 18 months
KEY SCORES:
- 4/5 Perks
- 2.5/5Fees
- 4/5APR
Great for: Long 0% interest on purchases and balance transfers
The Virgin Money All Round Credit Card could help you to reduce interest payments on existing debt. It also stacks up well versus other 0% APR credit cards, since it offers a 20-month introductory 0% interest rate on purchases. Its range of rewards and offers could make it appealing to a broad range of consumers.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest for 20 months on purchases
- 0% interest for 23 months on balance transfers (2.9% fee applies)
- No annual fee
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
21.9% -
INTRO OFFER:
20 months 0% interest on purchases
23 months 0% interest on balance transfers
KEY SCORES:
- 4/5 Perks
- 3/5Fees
- 3/5APR
Great for: Long 0% purchases and balance transfers
The Bank of Scotland 0% Purchase and Balance Transfer Credit Card offers a 20-month introductory 0% interest rate on new purchases, as well as a 20-month 0% interest balance transfer offer. While other credit cards may offer longer 0% interest periods on either purchases or balance transfers, the card’s combined offer in both of these areas makes it relatively appealing.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest on purchases for 20 months
- 0% interest for 20 months on balance transfers made in the first 90 days (3% fee applies)
- No annual fee
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
19.9% -
INTRO OFFER:
0% interest for 20 months on purchases
0% interest on balances transferred in the first 90 days
KEY SCORES:
- 2/5 Perks
- 3/5Fees
- 3/5APR
Great for: Long 0% balance transfer period, 0% money transfers
The MBNA 0% Transfers and Purchases Credit Card is likely to be appealing to consumers who are looking to reduce the amount of interest they pay on future purchases as well as on existing debt. It offers an 18-month introductory 0% interest rate on purchases made in the first 60 days after account opening, as well as competitive balance transfer and money transfer offers.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest for 18 months on balance transfers made in the first 60 days (2.75% fee applies)
- 0% interest for 12 months on money transfers made in the first 60 days (4.00% fee applies)
- No annual fee
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
20.9% -
INTRO OFFER:
0% interest for 18 months on balances transferred in first 60 days
0% interest for 12 months on money transfers made in first 60 days
KEY SCORES:
- 2/5 Perks
- 3/5Fees
- 3/5APR
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: 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
Great for: Long 0% purchase and balance transfer, plus points
The M&S Shopping Plus credit card ticks a lot of the boxes to make a great credit card. For starters, there’s a long 18-month 0% period on new purchases. But you can add to that a 16-month, 0% period for balance transfers made in the first 90 days and the M&S points programme. It is worth noting that there’s a 2.9% fee on balance transfers.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest on purchases for the first 18 months
- 0% interest for 16 months on balance transfers made in the first 90 days (2.9% fee applies)
- Earn M&S points for shopping at M&S and elsewhere
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
19.9% -
INTRO OFFER:
0% interest on purchases for 18 months
0% interest on balance transfers for 16 months
KEY SCORES:
- 4/5 Perks
- 5/5Fees
- 4/5APR