Price war on 0% credit cards

Updated: 

Woman Holding Credit Card

Whether you want to pay off some debt or spread the cost of a new purchase, it's a great time to take advantage of fierce competition on 0% credit cards.

You can have up to two and a half years with no interest to pay on balance transfers and up to a year and a half with no interest to pay on purchases.



0% balance transfer cards with long interest-free periods
Let's start by looking at the cards with the longest 0% periods.

Credit card

0% period on balance transfers

Balance transfer fee

Representative APR

Barclaycard 30-Month Platinum Visa

30 months

2.89%

18.9%

Barclaycard 29-Month Visa

29 months

2.49%

18.9%

MBNA 29-Month Platinum Visa

29 months

2.89%

18.9%

Tesco Clubcard Credit Card for Balance Transfers

29 months

2.9%

18.9%

Santander 29-Month Balance Transfers

29 months

3%

18.9%



Compare cards with the longest 0% balance transfer period


0% cards with low balance transfer fees
However, if you're willing to go for a card with a shorter interest-free period, you can pay a much lower fee. Even so, you can still get up to 25 months with no interest to pay for just 1.5%, courtesy of the
Barclaycard 25-Month Platinum Balance Transfer.

Credit card

0% period on balance transfers

Balance transfer fee

Representative APR

Fluid Low Fee Visa

12 months

0.75%

18.9%

Barclaycard 12-Month Platinum Low Fee Visa

12 months

0.79%

18.9%

Halifax All in One MasterCard

15 months

0.8%

17.9%

TSB Platinum MasterCard

15 months

0.8%

17.9%

Lloyds Platinum MasterCard

15 months

0.8%

17.9%

Santander Credit Card with Low Transfer Fee

17 months

0.9%

18.9%

Barclaycard 25-Month Platinum Balance Transfer25 months1.5%18.9%

TSB Platinum 24 Months Balance Transfer Card

24 months

1.5%

17.9%

Lloyds Platinum 24-Month MasterCard

24 months

1.5%

17.9%

Bank of Scotland Platinum 24-Month MasterCard

24 months

1.5%

17.9%



Compare 0% balance transfer cards with low fees


Current longest 0% purchase credit cards
Here are the longest 0% periods on offer today for purchases. Both Santander and Tesco offer cards with introductory periods of 18 months with no interest to pay on purchases made within the first 90 days.

Credit card

0% period

Representative APR

Santander Credit Card for Purchases

18 months

18.9%

Tesco Clubcard for Purchases

18 months

18.9%

Halifax Purchase Credit Card

17 months

16.9%

Halifax All in One MasterCard

15 months

17.9%

M&S Bank MasterCard

15 months

16.9%

NatWest Platinum Balance Transfer and Purchase

15 months

16.9%

Royal Bank of Scotland Platinum Balance Transfer and Purchase

15 months

16.9%

Nationwide Purchase Visa

15 months

17.9%

Sainsbury's Bank Nectar Credit Card

15 months

16.9%

Nationwide Select Card*

15 months

15.9%

Barclaycard Platinum Purchase & Balance Transfer

14 months

18.9%


*Only available to Nationwide current account holders

Compare 0% purchase credit cards


Credit ratings
Sadly, some people won't be able to get any of the cards we've highlighted in this article. That's because the credit card companies are only willing to give these cards to people with good credit ratings.

If you want to improve your credit rating, follow the tips in Ten simple steps to improve your credit record.

Compare credit cards with AOL Money

How to dispute your credit record

How to dispute your credit record