0% APR Credit Cards
We detail the best deals for introductory 0% APR credit cards in the UK. Find a low interest, zero percent card to make purchases and balance transfers.
The table below details the best 0% APR credit cards for new purchases. 0% interest on purchases is only available for a limited period, usually about six months, before the standard APR rate applies. If you are interested in finding the best balance transfer deals, see our Best 0% balance transfer deals table.
We have also detailed in the table any introductory offers relating to credit card balance transfers, any cashback being offered and the standard APR that applies once any introductory offers have expired.
We also provide three other 'best buy tables' covering 0% balance transfers, cash back deals and low standard APR rates.
| Company | Card Type | Typical APR (Variable) | Bal Trans | Duration | Intro Rate | Duration | Cashback | Apply? |
|---|---|---|---|---|---|---|---|---|
| Royal Bank of Scotland a | Platinum Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% |  |
| Virgin Money b | Virgin Credit Card | Typical 15.9% APR (Variable) | 0.0% | 15 months | 0.0% | 3 months | 0.0% | |
| NatWest c | Platinum Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Nationwide d | Gold | Typical 15.9% APR (Variable) | 0.0% | 10 months | 0.0% | 3 months | - | |
| Lloyds TSB e | Platinum | Typical 16.9% APR (Variable) | 0.0% | 12 months | 0.0% | 6 months | - | |
| Halifax f | One Card | Typical 15.9% APR (Variable) | 0.0% | 10 months | 0.0% | 10 months | - | |
| Post Office g | Credit Card | Typical 15.9% APR (Variable) | 0.0% | 10 months | 0.0% | 3 months | 0.0% | |
| Lloyds TSB | Advance | Typical 11.9% APR (Variable) | 0.0% | 6 months | - | - | - | |
| Virgin Atlantic h | Virgin Atlantic AMEX Card | Typical 17.9% APR (Variable) | 0.0% | 6 months | - | - | - | |
| Vanquis i | Visa Card | Typical 39.9% APR (Variable) | - | - | - | - | - | |
a - Available to those 25+ earning £25,000+ p.a.
b - Can’t wait to get a credit card? They could give you a decision online right now.
c - Available to those over 25 earning £25,000+ p.a. .
d - Peace of mind for all cardholders with Nationwide Fraud Watch & commission free purchases abroad.
e - Minimum spend of £100 in the first 3 months applies.
f - A handling fee of 3% applies for each balance transfer
g - 0% commission on purchases abroad, 0% for 5 months on BT again on your 1st and 2nd anniversary
h - 3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
i - Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit.
Whilst every care has been taken to ensure the information displayed here is correct, always check the details of a card before applying as offers are subject to change without notice.
