0% Credit Cards

Zero percent rates on credit card balance transfers and purchases.

In these days of high competition for your custom between leading brands, 0% offers are almost become the market norm. However never forget these are almost always all introductory offers, and just like the saying 'there's no such thing as a free lunch', its also true that your 0% credit card at some point is going to start charging interest.

The following credit cards offer rates of 0% on either purchases and/or balance transfers. Please remember that to benefit from 0% purchase offers you would be the type of consumer who doesn't normally settle their outstanding statement balance at the end of each month. If you settle the outstanding amount each month you are not paying any interest on your purchases anyway (when interest is charged not from the day of purchase). After the introductory period has ended you will be paying the full long term standard rate and under these circumstances the right card for you may be the lowest long term standard rate card.

Currently its quite easy to have several cards and go from one introductory offer to another. As long as you have one card with a competitive low standard rate that you can fall back to using then all bases are covered. With balance transfers make sure you add in the handling fee to compare the true cost across the market of so called '0% deals'. Also check the maximum amount you can transfer at that rate.

AVAILABLE ZERO PERCENT DEALS
BRAND	REPRESENTATIVE EXAMPLE	NEW PURCHASES	BALANCE TRANSFERS
ABBEY ZERO RATE	17.9% APR representative variable 17.9% p.a. variable on purchase based on a £1,200 credit limit	0% for 3 months from first activating your account.	0% for first 17 months. 3% handling fee (minimum £5).
AMERICAN EXPRESS PLATINUM	18.5% APR representative variable based on £25 annual fee assumed borrowing of £1,200 rate of interest 14% per annum (variable)	14% p.a.	n/a
BARCLAYCARD BREATHE	16.9% APR representative variable 16.9% p.a.variable on purchase £1,200 credit limit	n/a	0% interest on balance transfers for 10 months from account opening 3% handling fee applies on transfers made within 60 days of opening your account on amounts up to £5,000
BARCLAYCARD CHARITY	14.9% APR representative variable 14.9% p.a.variable on purchase Â£1,200 credit limit	0% APR for the first 6 months of you opening your account!	0% for the first 6 months of activating your account 2.9% handling fee applies. (minimum Â£2.50)
BARCLAYCARD FLEXI-RATE	16.9% APR representative variable 16.9% p.a. variable on purchase £1,200 credit limit	n/a	0% for 1st 9 months of opening your account. 3% handling fee applies. (minimum £2.50)
BARCLAYCARD FOOTBALL	16.9% representative APR variable 16.9% p.a. variable on purchase £1,200 credit limit	0% on football season tickets	0% for first 12 months of opening your account 3% handling fee applies
BARCLAYCARD PLATINUM	17.9% APR representative variable 17.9% p.a. variable on purchase £1,200 credit limit	0% APR 1st 3 months	0% p.a. for first 22 months 2.9% handling fee
BARCLAYCARD PLATINUM +PURCHASES	18.9% APR representative variable 18.9% p.a. variable on purchase £1,200 credit limit	0% APR 1st 14 months	0% p.a. for first 14 months 2.9% handling fee
CAPITAL ONE WORLD MASTERCARD	19.9% APR representative variable 19.94% p.a. variable on purchase £1,200 credit limit	19.94% p.a. variable	n/a
GM	14.9% APR representative variable 14.9% p.a. variable on purchase £1,200 credit limit	0% for 5 months from first activating your account.	0% for 5 months from first activating your account. 2% handling fee (minimum £5).
HALIFAX ALL-IN-ONE	17.9% representative APR variable 17.95% p.a. variable on purchase based on a £1,200 credit limit	0% for the first 15 months	0% for the first 15 months on balance transfers made in the first 90 days (3% fee).
HSBC	17.9% APR representative variable 17.9% p.a.variable on purchase £1,200 credit limit assumed	0% for the first 3 months	0% p.a for 23 months (3.3% fee)
JOHN LEWIS	16.9% APR representative variable 16.9% p.a. variable on purchase £1,200 credit limit	0% for the first 6 months from the date you open your account	0% p.a. for 6 months from the opening of your account 2.5% handling fee (minimum £5, maximum £50).
MARBLES	Typical 15.9% APR representative variable	N/A	0% p.a. (variable) for the first 12 months of your new account 2% handling fee (minimum £5)
MBNA PLATINUM	n/a	n/a	n/a
MBNA PLATINUM + REWARD POINTS	n/a	n/a	n/a
TESCO	16.9% APR representative variable 16.9% p.a. variable on purchase £1,200 credit limit	0% for the first 15 months	0% for 9 months from account opening (2.9% handling fee during the first 4 months from account opening.)
VIRGIN	16.8% APR representative variable 16.8% p.a. variable on purchase based on a £1,200 credit limit	0% p.a. on card purchases for 3 months from the date your account is opened.	0% p.a. on balance transfers for 20 months from opening your new account (1st 60 days) 2.99% handling fee
VIRGIN ATLANTIC	17.9% APR representative variable 17.9% p.a. variable on purchase based on a £1,200 credit limit	0% p.a. on balance transfers from other cards for 6 months from opening your new account 2% handling fee (minimum £3, max. £50)	n/a
YORKSHIRE BANK GOLD	16.9% APR representative variable 15.76% p.a. variable on purchase £1,200 credit limit	0% for the first 3 months	0% for first 16 months (3% fee).