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 20-month 0% period on new purchases. But you can add to that a 18-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.
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what we like
- 0% interest on purchases for the first 20 months
- 0% interest for 18 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:
21.9% -
INTRO OFFER:
0% interest on purchases for 20 months
0% interest on balance transfers for 18 months
KEY SCORES:
- 4/5 Perks
- 5/5Fees
- 4/5APR
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 balance transfers and 20 months 0% on purchases. During the promotional period, there’s no balance transfer fee – a very nice benefit.
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- Fair/Average
- Good/Excellent
what we like
- 0% interest for 26 months from account opening on balance transfers
- 0% interest for 20 months from account opening on purchases
- 0.5% cashback on all purchases
- No balance transfer fee
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ANNUAL FEE:
£36** -
REPRESENTATIVE APR:
23.7% -
INTRO OFFER:
0% interest for 26 months from account opening on balance transfers
0% interest for 20 months from account opening on purchases
KEY SCORES:
- 5/5 Perks
- 5/5Fees
- 2/5APR
Great for: 0% interest on purchases and balance transfers
HSBC’s Purchase Plus Credit Card could be a good match for those looking for a solid combination of 0% purchase and balance-transfer offer. Since 18 months isn’t the longest 0% period on the market, the key here is the combination of both 0% purchases and balance transfer. Do note that there is a 2.9% fee on balance 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 for 18 months on balance transfers made in the first 60 days (but a 2.9% fee applies)
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
22.9% -
INTRO OFFER:
0% on purchases for 18 months
0% for 18 months on balances transferred in first 60 days
KEY SCORES:
- 2/5 Perks
- 4.5/5Fees
- 3.5/5APR
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.
Read full review >- Poor/No credit
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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: 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.
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- Fair/Average
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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% 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: controlling and monitoring spending and repayments
The main feature of this card is that it lets you spread the cost of your purchases over 3, 6, 12, 24 and 36 months. You only pay interest on the purchases you put into instalments, not on your entire balance. The 3-month plan attracts no interest while the others have an APR ranging from 12%-22.7%.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- Ability to spread purchases over up to 36 months
- 0% interest on purchases paid in less than 3 months
- No annual and foreign transaction fees
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
19.9%* -
INTRO OFFER:
N/A
KEY SCORES:
- 3.5/5 Perks
- 5/5Fees
- 4/5APR
Great for: Long balance transfer period with low fee
You can find longer balance-transfer periods than the 22 months offered here. But long BT periods almost always come with fees, and they can be far higher than the 1.99% on this card. Add to that 12 months of 0% interest on purchases.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest for 22 months on balance transfers made in first 90 days
- 0% interest on purchases for 12 months
- 1.99% balance transfer fee
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
19.9% -
INTRO OFFER:
22 months 0% interest on balance transfers
12 months 0% interest on purchases
KEY SCORES:
- 2/5 Perks
- 4/5Fees
- 4/5APR
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