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Zero Interest Credit Cards

  • If you need to make purchases whilst also paying off a balance transfer then one of the cards below could help you save money. Compare the longest combined 0% balance transfer and purchase cards below.
  • There are 37 out of 88 cards matching this search.
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MBNA Balance Transfer Credit Card
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  • 0% for up to 39 months from account opening on balance transfers made in the first 60 days
  • 1.48% effective fee applies on each balance transfer made in the first 60 days
  • Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

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    • Barclaycard Platinum 39 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 39 months
      (1.45% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
        • Contactless payment for items up to £30.
        • Instant online decision available.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 1.45% by a refund (Terms and conditions apply).

    • Halifax 38 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 38 months
      (2.25% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • 0% for 38 months on balance transfers within 90 days of account opening. 2.25% fee applies, 3% fee applies thereafter.
        • 0% for 6 months on purchases.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% balance transfer fee applies with a 0.75% refund within 90 days, so the effective fee is 2.25% (Terms and conditions apply).

    • Bank of Scotland Platinum 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.8% fee)
    • New Purchases Offer
      0% Fixed
      For 12 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Bank of Scotland

      Benefits

        • 0% interest for 32 months on balances transferred within the first 90 days after your account is opened. 0.80% fee applies on each balance transfer,
        • also 12 months at 0% on purchases.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Tesco Bank Clubcard Credit Card for Balance Transfers and Money Transfers

    • Balance Transfers Offer
      0% Fixed
      For 40 months
      (2.69% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • 0% interest on balance and money transfers for up to 40 months from account opening
        • The APR and length of promotional offer may vary as they are dependent on your personal circumstances
      • Min Credit
        £250
      • Provider
        Tesco Bank

      Benefits

        • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
        • Apply online and get a decision within 60 seconds.
        • You can still apply even if you have a Tesco Bank Credit Card already.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must live in the UK or have a BFPO address.
        • You must have a good credit history.
        • You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress.
      • Min Age
        18
      • Visit Website
      • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. The 0% offer is applied to any balances or money transferred within the first 90 days of account opening.

    • Santander All in One Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 39 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      21.7% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Annual fee
        £36
      • Min Credit
        £500
      • Provider
        Santander

      Benefits

        • 0% on balance transfers for 39 months from date of account opening (0% fee applies).
        • 0% on purchases for 6 months from date of account opening.
        • 0.5% cashback on all of your purchases with no limits or caps.
        • No foreign transaction fee on purchases or cash withdrawals in the local currency when you're abroad.
        • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • The annual fee is broken down into monthly payments of £3.
        • No monthly fee for 6 months on the All in One Credit Card if you have a 1I2I3 current account. Qualifying criteria applies.
      • Min Income
        £7,500
      • Min Age
        18
      • Visit Website
      • Annual fee: £36
      • 0.5% cashback on all of your purchases with no limits or caps
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
      • No monthly fee for 6 months on the All in One Credit Card if you have a 1I2I3 current account. Qualifying criteria applies.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

    • MBNA Platinum 39 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 39 months
      (1.48% fee)
    • New Purchases Offer
      No Introductory Rate
      No Intro Rate
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        MBNA Limited

      Benefits

        • 0% p.a. for up to 39 months from account opening date, on balance transfers made within the first 60 days, 1.48% balance transfer handling fee.
        • 0% p.a. for up to 20 months from account opening date, on money transfers made within the first 60 days, 4% money transfer handling fee.
        • You are not able to transfer a balance from another MBNA credit card.
        • When these offers come to an end and for transfers made after the 60 days, the standard rate for balance transfers is 20.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).

      Before you Continue...

      • You must be at least 18 years old to apply.
        • Hold a UK bank/building society account.
        • UK permanent address for at least 3 years.
        • Good credit rating/history.
        • Eligibility for this credit card depends on your circumstances and the results of MBNA's eligibility check. The product, APR and promotional offer you could get may differ from the example.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Sainsbury's Bank Nectar 39 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 39 months
      (2.39% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Reduced Balance Transfer fee made by a partial refund of an initial 2.89% balance transfer fee. Terms and conditions apply.
      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status
        • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
        • If your application is approved you are guaranteed to get the 0% interest period advertised
        • No annual fee

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
        • You'll need to enter your Nectar card number when you apply.
      • Min Age
        18
      • Visit Website
      • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. Nectar cardholders only - You'll pay a 2.89% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.5%, so the overall fee is 2.39%. 3% balance transfer fee applies afterwards (minimum £3 at all times).

    • Virgin Money 39 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 39 months
      (2.4% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      20.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 39 months on balance transfers, with a fee of 2.40%.
        • 0% for 39 months on money transfers, with a fee of 3.80%.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

    • Virgin Money 38 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 38 months
      (1.5% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      20.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 3 months from account opening on purchases.
        • 0% for 38 months from account opening on balance transfers made within the first 60 days. 1.5% fee applies.
        • 0% for 20 months from account opening on money transfers made within the first 60 days. 1.9% fee applies.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

    • Post Office Money Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 37 months
      (1.99% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £1,000
      • Provider
        Post Office

      Benefits

        • 0% on balance transfers for the first 37 months. A balance transfer fee of 1.99% applies and transfers must be made within 3 months of account opening.
        • 0% on all purchases for the first 3 months.
        • No cash fee when you purchase Post Office Travel Money.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • AA Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 37 months
      (1.99% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £1,000
      • Provider
        AA

      Benefits

        • 0% for 37 months on balance transfers is only available on transfers made within the first 3 months of account opening. 1.99% fee applies.
        • 0% for 3 months on purchases is only available if a transaction is made within the first 3 months of account opening.
        • Manage your card on the go with the AA Credit Card mobile servicing app.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must have a good credit rating to apply
        • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
      • Min Income
        £8,000
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Sainsbury's Bank 37 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 37 months
      (2.89% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Sainsbury's Bank

      Benefits

        • 0% for 37 months from account opening on balance transfers. You'll pay a 2.89% fee to transfer a balance in the first 3 months.
        • 0% for 3 months from account opening on purchases.
        • Interest rate and credit limit are subject to status.
        • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017.
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • If your application is approved you are guaranteed to get the 0% interest period advertised.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 2.89% fee to transfer a balance to this card in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).

    • Virgin 36 Month Money Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 36 months
      (2.9% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      20.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 36 months on balance transfers, with a fee of 2.90%, 0% for 36 months on money transfers, with a fee of 2.90%, 0% for 3 months on card purchases.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

    • Sainsbury's Bank 35 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 35 months
      (1.5% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status.
        • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • If your application is approved you are guaranteed to get the 0% interest period advertised.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).

    • Halifax 33 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 33 months
      (0.57% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • 0% for up to 33 months from account opening on balance transfers made in the first 90 days.
        • 0.57% fee applies on each balance transfer made in the first 90 days.
        • 0% for 3 months from account opening on purchases.
        • You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening. Cashback offer end date is 6th October 2017.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Sainsbury's Bank 33 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 33 months
      (0.59% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status.
        • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017.
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • If your application is approved you are guaranteed to get the 0% interest period advertised.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.91% so the overall fee is 0.59%. 3% balance transfer fee afterwards (minimum £3 at all times).

    • Virgin 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.6% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 32 months on balance transfers, with a fee of 0.60% (5% after introductory period), 0% for 32 months on money transfers, with a fee of 4% (5% after introductory period), 0% for 3 months on card purchases.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    • Barclaycard Platinum 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.6% fee)
    • New Purchases Offer
      0% Fixed
      For 6 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
        • Contactless payment for items up to £30.
        • Instant online decision available.
        • £20 cashback when you transfer a balance of £500 or more
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 0.60% by a refund. (Terms and conditions apply)

    • Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 32 months
      (0.8% fee)
    • New Purchases Offer
      0% Fixed
      For 12 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        Lloyds Bank

      Benefits

        • 0% for up to 32 months from account opening on balance transfers made within the first 90 days.
        • 0% for 12 months from account opening on purchases.
        • 0.8% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Virgin 30 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 30 months
      (0.55% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 30 months on balance transfers, with a fee of 0.55%, 0% for 30 months on money transfers, with a fee of 4%, 0% for 3 months on card purchases.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    0% Balance Transfers

    Balance transfer deals give savvy credit card users the chance to access huge savings by banishing unwanted interest charges. By shifting your balance from an existing card to a 0% balance card, you can take advantage of low-interest rates - saving you hundreds or even thousands of pounds when repaying debt.

    Because 0% balance cards allow you to pay back money at a lower rate, transfers often mean that you can pay off debt faster. Just keep in mind that you'll need to pay a small fee to switch your debt over in the first place. Fortunately, most fees are between 2.5% and 3%, a comparatively small price to pay for a faster route to a debt-free life.

    How Long Does a 0% Balance Transfer Take?

    In many cases, transferring to a 0% card will only take a few days. However, depending on the provider you choose, you might find that you're waiting for up to two weeks before your new card is delivered in the mail, followed by another week's wait to make the transfer.

    Do I Have to Pay a Monthly Minimum?

    While 0% deals can be an excellent solution for thrifty consumers, they don't mean you can avoid making any regular payments. You'll still be expected to make at least the minimum monthly payments on your debt - otherwise, you could end up facing significant penalties, or even lose your 0% deal.

    When is the Best Time to Apply for a Balance Transfer?

    To get the most from a 0% balance transfer, it's a good idea to apply for the switch at least three weeks before you need to pay off the balance on your old card. Keep in mind you may be required to transfer all debts within a month or two of opening the new card.

    Can Money Be Transferred to My Bank Account?

    Usually, 0% balance transfer credit cards should allow you to send money to your bank account with a 0% interest rate for an introductory period of a certain number of months depending on the provider.

    How Much Money Can I Transfer?

    Depending on the provider you choose you will be allowed to transfer a specific percentage of your credit limit, usually within the region of 90 to 95%. For example, if your credit limit is £5,000, you would be able to use £4,500 towards your balance transfers.

    How Can I Repay a 0% Balance Transfer?

    Most of the time, the best way to manage your debt is to create a direct debit. If you move a balance of £4,500 over to your 0% card, you could set up a direct debit for £150 a month that hopefully leaves you debt-free by the time the 0% interest rate offer expires. If you can't repay your debt by the end of the offer, you could start to rack up standard-rate interest again.

    What Will My Credit Limit Be?

    Following your application for a 0% card, your chosen provider should give you an insight into what your credit limit will be. It will be dependent on your circumstances as well as the provider you choose. Remember, while you might receive a sizeable credit limit on your new card, you might not pay the same rate for new purchases as you do for the initial transfer of debt. For instance, you may receive a 0% interest deal on all balance transfers for 37 months, but still be required to pay 16% interest on purchases.

    Does My Credit Record Matter?

    Yes. Your lender will decide your eligibility for a balance transfer, as well as credit limits and APR based on your credit record. Often, the top deals are only available to those with a clean credit record.

    0% Purchases

    If you're currently considering a large purchase, or you frequently use your credit card to pay for goods and services, then a 0% purchase credit card could be a great option. These cards allow you to buy big-ticket items and pay off the cost over a specific time period - without any interest. In some cases, when the 0% on purchases period lasts for a significant amount of time, you can effectively borrow money for free, so long as you clear your balance before the interest-free offer ends.

    Used correctly, a 0% purchase card can be the cheapest way to borrow - however the focus lies in repaying what you owe before new charges become applicable.

    What Will My Credit Limit Be?

    Your chosen provider should be able to give you an estimate of what your credit limit will be following your application for a 0% purchase card. Most of the time, the amount of credit you're given will depend on your credit rating.

    When Will I Need to Clear My Balance?

    The downside of 0% purchase cards, is that if you go even a few days over the promotional period, your interest rate can explode. This means that you need to calculate repayments carefully to clear your balance before the promotion ends. The typical APR (annual percentage rate) for purchase credit cards is between 18% and 20%, which makes them a very expensive borrowing option if you allow your balance to build.

    How Can I Make Repayments on a 0% Purchase Card?

    A good way to make 0% purchases card repayments is to set up a direct debit for at least the minimum payment amounts from the moment your application is accepted. If you miss your repayments, you could lose your 0% deal, meaning your interest rates and repayments will skyrocket. Remember, clear your card balance in full whenever possible as even £1 of balance when the 0% interest rate ends can cause you to pay a full month's interest rate.

    Do 0% Purchase Cards Offer Payment Protection?

    One unique benefit of 0% purchase cards, is that unlike with debit or cash purchases, you should receive a level of protection in case your items are faulty or fail to arrive on time. Under consumer protection rules, you can claim back a significant amount of the costs if your purchases don't arrive, or aren't what you expected. For instance, if the airline you booked flights with went out of business, you'd get your money back - even if you only put the deposit on your 0% purchase credit card.

    Does My Credit Score Matter?

    Yes, the most appealing deals for purchase cards - including those with the longest periods for interest-free payments - are usually offered to people with clean credit scores. Those with restricted credit histories, or poor credit scores may not be approved for a 0% card, or may only be able to take advantage of the 0% offer for a short period of time.

    What Do I Do When My 0% Period Expires?

    If your 0% period expires and you have not completed your repayments, you can either continue to make monthly payments at the new rate of interest, or you can attempt to transfer your remaining debt to a balance transfer card.

    How does our comparison table work?

    Our credit card comparison tool can help you identify the right credit card for you. How you choose a credit card will be driven by what you want from it, and we have broken down those key features for easier comparisons. To help you, we have initially ranked our credit cards by 'Our Most Popular', i.e. the cards that our users felt most suited their needs. You can reorder the comparison according to other criteria via the drop-down box directly above the table.

    Helpful links for credit card issues

    Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

    The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

    Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

    Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

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