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0 APR Credit Card UK

0 APR Credit Card UK Cards are a good choice of credit card if you are planning on carrying a large balance on the card for a length of time. These cards often come with a balance transfer offer, therefore the large balance could come about via purchases or by a balance transfer. Note that most UK 0 APR card credits have a time limit for how long the 0 APR lasts. Normally between 6-18 months, after that it reverts to the standard rate.

Not looking for 0 APR credit card UK? You can find a larger selection of all types of credit cards at Credit Card UK.

Bank of Scotland All In One Credit Card UK
 Bank of Scotland All In One Credit Card UK
  • Introductory offer on both balance transfers and purchases
  • 0% APR for 9 months on purchases
  • 0% APR for 9 months on balance transfers
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 3% 0.00% 0.00% 15.9 GOOD CREDIT

Sainsburys Credit Card
 Sainsburys Credit Card UK
  • No annual fee
  • 0% for the first 12 months on balance transfers
  • Up to 59 days interest free on purchases
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 3% N/A N/A 15.9% GOOD CREDIT

Halifax All in One Credit Card
 Halifax All in One Credit Card
  • No annual fee
  • Up to 59 days interest free on purchases
  • 0% for 10 months on balance transfers
  • 0% for 10 months on new purchases
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 3% 0.00% 0.00% 15.9% GOOD CREDIT

Virgin Credit Card
 Virgin Credit Card UK
  • No annual fee
  • 0% APR on balance transfers for first 15 months
  • 0% APR on purchases for first 3 months
  • Excellent discounts on Virgin items
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 2.98% 0.00% N/A 16.6% GOOD CREDIT

American Express Platinum Cashback
 American Express Platinum Cashback
  • No annual fee
  • Choose how you spend your cashback
  • No limit to the cash back you can earn
  • Decision in 60 seconds
Apply Now
Annual Fee Transfer Fee Transfer APR Intro APR Regular APR Recommended Credit
£0 2% 18.90% 18.90% 18.9% GOOD CREDIT


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0 APR Credit Card UK vs. Low APR Credit Card UK 0 APR Credit Card UK cards require careful use because the 0 APR normally expires after 6-18 months and the APR reverts to the standard rate. The rate may also revert if you miss a payment or your credit score is negatively impacted. Therefore it is important to keep your payments up to date not only on your 0 APR card, but all payments that may impact your credit score. The big different between Low Interest Credit Cards UK and 0 APR Credit Cards UK is that low interest credit cards often provide the ability to keep the interest rate until the balance is paid in full. Therefore it is a good idea to think about how you will pay off the balance you plan to place on your 0 APR Credit card, if you do not believe you will pay it off in time period before the APR reverts to the standard rate, a low interest credit card may be a better option. Although the interest may be higher for the first 6-18 months, after that the interest will be lower and depending how long before you pay off the card this could work to your advantage. Another option is to take the 0 APR credit card and once the offer is over and the rate is about to revert to the standard rate, return to Credit Card UK and find another 0 APR credit card or Balance Transfer Credit card to transfer the balance to. Note that applying for and/or obtaining many credit cards can negatively impact your credit. For additional details, see understanding your credit score.
Return From 0 APR Credit Card UK


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* Credit card terms and conditions change frequently, although reasonable efforts have been made to maintain accurate information on the 0 APR Credit Card UK page, we do not guarantee accuracy. Once you have located a credit card you are interested in click the “Apply Now” button and review the terms and conditions provided on the issuers website for the latest information.

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