Let's find the right 0% credit card for you

Our tailored results indicate your chances of being successful before you apply for your card.

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Featured balance transfer & purchases - sorted by longest combined balance transfer and purchase offer

Apply for the cards below today or search all balance transfer & purchase cards

  1. Great for
    If you already have a Halifax card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  2. Great for
    40% discount on AA European Breakdown cover, on trips of 3 days or more if you book before 1 April 2016
    Offers a mobile servicing app to keep an eye on your balance whilst on the go
    But be aware that
    The APR is dependent on your personal circumstances
    The promotional Balance Transfer & Purchase periods applies to transactions made in the first 3 months
    You cannot transfer a balance from another credit card that is provided by Bank of Ireland UK

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative rate will be 19.9% APR (variable).

  3. Great for
    Maximum £3 cashback per month per category: Supermarkets (1%) on spend up to £300, Department stores (2%) on spend up to £150 & Transport (3%) on combined spend up to £100
    Earn 3% bonus cashback on 1|2|3 Credit Card purchases made using Apple Pay (on spend of up to £100 per month). Offer ends 29th February 2016
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    There is a £3 monthly fee - the first six months are refunded for new and existing 1|2|3 Santander current account customers
    You must have an income of £7,500 per year or more

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.7% p.a. (variable) with a £3 monthly Fee your representative rate will be 18.4% APR (variable).

  4. Great for
    Collect two Nectar points for every £1 you spend on Sainsbury’s shopping and fuel with your Credit Card
    Collect one Nectar point for every £5 spent on your card elsewhere
    If your application is approved you are guaranteed to get the 0% interest period advertised
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You cannot transfer a balance from another Sainsbury's Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. 2016 SUPERS

    Winner of the Best Overall Provider

    Great for
    Keep track of your purchases with TSB Money Planner
    Internet fraud protection
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    Balance transfer must be made within 90 days of account opening to benefit from the 0% offer

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Great for
    You’ll be charged a 3% fee, but transfer a balance within 60 days and Barclaycard will refund 2.1%, so the effective fee is 0.9%
    Paying 0% interest on balance transfers for 20 months
    Paying 0% on purchases for 20 months
    But be aware that
    If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate for 20 months has expired, unless you repay your entire balance in full each month
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  7. Great for
    Transferring money to your current account with 0% interest for 20 months (4% fee applies)
    Eligibility check: Find out if you are eligible before applying for this card
    But be aware that
    Please be aware that if you haven’t been pre-approved the APR and length of the promotional offer may vary and it is dependent on your personal circumstances
    You cannot transfer a balance from another MBNA card
    The promotional BT, MT period and Fee applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a puchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  8. Great for
    If you already have a Lloyds card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 90 days
    You cannot transfer a balance from another Lloyd's Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) your representative rate will be 18.9% APR (variable).

  9. Great for
    If you already have a Bank of Scotland card, you may be eligible to have a second card. Conditions apply
    Managing your card online using Internet Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 90 days
    You cannot transfer a balance from another Bank of Scotland card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

  10. Great for
    Eligibility Checking : find out if you are eligible before you apply without affecting your credit rating
    Manage your account online, by text or on your smartphone
    Transferring money to your current account with 0% interest for 20 months (4% fee applies, min £3)
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional balance transfer and money transfer periods and fees applies to transactions made in the first 60 days
    You cannot apply if you already hold a credit card that is issued by MBNA

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  11. Limited offer

    Apply and be accepted for a Virgin Credit Card to be in with a chance of winning a romantic luxury weekend away! Competition ends 14th February 2016. T&Cs apply

    Great for
    Transferring money to your current account with 0% interest for 18 months (4% fee applies)
    If approved, you will get the advertised offer
    Access to a range of great Virgin offers
    But be aware that
    You cannot transfer a balance from another Virgin Credit Card
    The promotional period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  12. Great for
    0% for 15 months on purchases and balance transfers
    No fee to transfer a balance
    But be aware that
    You cannot transfer a balance from another Santander card
    The APR and length of the promotional offer are dependent on your personal circumstances. You must have an income of £7,500 per year or more

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  13. Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  14. Great for
    £25 reward for transferring a balance or spending over £25 in the first 60 days
    Unlimited commission-free purchases abroad
    0% for 12 months on balance transfers and purchases
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 3 months
    You cannot transfer a balance from another Nationwide Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) your representative rate will be 15.9% APR (variable).

  15. Great for
    0% for 12 months on balance transfers and purchases
    Earn commission free purchases abroad - £1 of commission free allowance per £5 spent in a month (UK, Sterling)
    Access to exclusive rewards
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first three months
    You cannot transfer a balance from another Nationwide Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) your representative rate will be 17.9% APR (variable).

  16. Great for
    Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    You can still apply even if you have a Tesco Bank Credit Card already
    Apply online and get a decision within 60 seconds
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Looking for the longest 0% credit card deal?

If you want to transfer over a balance to your card and also spend on it, we've got great 0% deals for purchases and balance transfers, plus exclusive deals you can't get anywhere else.

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