0% Interest Credit Cards

Save with a 0% interest credit card

Are you planning to make a one-off purchase? Maybe you want to organise your finances by transferring an existing credit card balance to a new credit card with a lower interest rate?

You could benefit from a 0% interest credit card.

COMPARE CREDIT CARDS

We are a credit broker, not a lender.

What are 0% interest credit cards?

0% interest credit cards are credit cards that do not charge interest on the balance of your account for an introductory period.

Different types of 0% interest credit cards

There are a number of 0% credit cards on the market; these include:

Key features

You will not be charged interest on purchases during a promotional period, starting from the date your account is opened.

Could this be the card for you?

You might consider a 0% purchase credit card if you plan to make a large, one-off purchase.

Things to bear in mind

Any outstanding balance on your account will be charged interest at your standard purchase interest rate once your promotional period comes to an end.
Any purchases made after the promotional period ends will be charged interest at your standard purchase interest rate.
If you do not make at least the minimum repayment on time each month you could be charged a late payment fee. Your credit score could also be affected.

Who can apply for a 0% interest credit card?

We work with a range of credit card providers, all of whom have their own eligibility criteria.

Generally, to apply for a credit card, you must:

Be a UK resident with 3 years' UK address history;
Have a UK-issued bank account with a valid debit card;
Have a regular source of income paid directly into your UK bank account; and
Be over the age of 18.

How can I apply for a 0% interest credit card?

You can check your eligibility for interest free credit cards in just five simple steps.

Fill out our online Eligibility Checker - this should take less than 5 minutes.

In just 60 seconds, we will run a soft search on the information you've given us and scan our panel of providers for the right credit card(s) for you and your individual circumstances.

We will present you with your options. If you have been pre-approved for a credit card, you should be aware that pre-approval does not guarantee acceptance. Your application will still be subject to a full credit check and any other checks the lender requires.
If we haven't been able to match you with a credit card we may show you some alternative products you may be interested in, such as an unsecured loan. You are not obliged to consider these alternatives if you do not feel they suit you or your requirements.

Take your time to browse your results and pick the best credit card for you. You'll be able to see the individual features of each credit card, helping you to narrow down your search.

Found the one? Simply click through to the provider's website to complete a full application.

What are the benefits of using a credit card comparison site rather than applying directly with the lender?

We work with a large range of trusted providers and can compare credit cards in just 60 seconds, taking the stress of guesswork away from you.
Our soft search eligibility check will not impact your credit score or be visible to lenders on your credit file.
When you apply for a credit card directly with a provider, they are required to run a hard credit search as part of your application; this will show on your credit file. Many hard credit searches over a short period of time could have a negative impact on your credit score. If you are matched with a credit card provider using Compare Credit Cards, you may only need to complete one hard credit check.

COMPARE CREDIT CARDS

Could a 0% interest credit card affect my credit score?

Taking out any credit product, such as a credit card or a loan, will affect your credit score. Whether this is a negative or a positive effect depends on how you manage your credit account(s).

Your credit score is influenced by many factors so you should always ensure that you are up to date with any existing credit agreements.

What are the best 0% interest credit cards?

There's no right answer to this question, as the credit card best suited to one person may not necessarily be the right fit for someone else.

Finding the best 0% credit card for you means exploring your options and working out the features that will benefit you most. When weighing up your 0% interest credit card options, you should think carefully about the interest-free period that suits your circumstances. Work out how much you can comfortably afford to repay each month and how long it should take you to clear the balance. This should help you decide whether a promotional period is right for you.

Always remember that any outstanding balance, and any transactions made after your promotional period ends, will be charged interest at your standard interest rate(s).

Digitonomy Limited trading as Compare Credit Cards is not a lender but is a fully regulated and authorised credit broker which introduces borrowers and lenders for the purposes of entering into consumer credit agreements.

Compare Credit Cards does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website.

Compare Credit Cards will provide every effort to present you with Credit Cards you may be eligible for. If we are not able to do this, we may present you with alternative credit products. You are under no obligation to proceed with these if you feel they are not suitable for your circumstances.

Compare Credit Cards is a registered Trading Name of Digitonomy Limited, Registered in England and Wales (Company number 08385135), Registered Office; Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Digitonomy Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 690249. Licenced by the Information Commissioners Office, (registration number ZA007309).