0% Credit Cards 15 to 18 Months UK | Guide to No Interest Credit Cards

No APR Cards can save you huge amounts of money immediately

Credit Cards		Representative APR (variable)	Balance Transfers			Monthly Purchase
Credit Cards		Representative APR (variable)	Rate	Duration	Fee	Rate	Duration
	Barclaycard Barclaycard Platinum With Balance Transfer	16.9%	0%	18 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 21 years Minimum Income: £20,000 Credit Rating: good
	Nationwide Nationwide Credit Card (Balance Transfer)	15.9%	0%	17 months	2.95%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £5,000 Credit Rating: good
	Virgin Virgin Credit Card	16.8%	0%	16 months	2.89%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good			Get tons of great discounts including 10% off Virgin Holidays, 20% off Virgin Experiences, 1 month free at Virgin Active and Half Price Balloon Flights
	MBNA MBNA Platinum Visa Credit Card	16.7%	0%	16 months	2.88%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.7% p.a.(variable) so if you spend £1,200 your representative APR will be 16.7% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good			McAfee Online Banking Suite worth £59.98, complimentary for 12 months
	NatWest NatWest Platinum Card (Online)	16.9%	0%	16 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	RBS RBS Platinum Card	16.9%	0%	16 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	Halifax Halifax Plus Credit Card (Online)	16.9%	0%	15 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	Lloyds TSB Lloyds TSB Platinum MasterCard	15.9%	0%	14 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £15,000 Credit Rating: good
	Bank of Scotland Bank of Scotland Plus Credit Card	16.9%	0%	13 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	NatWest NatWest Classic Card Ex/C	17.9%	0%	13 months	2.9%	0%	13 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).			Permanent UK Resident: yes Exclusively available to NatWest Current Account customers.
	Barclaycard Barclaycard Gold Credit Card	19.9%	0%	until Apr 2012	2.5%	0%	13 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).			Permanent UK Resident: yes			NEW Barclaycard Freedom - Earn and redeem Reward Money in selected retailers.
	Sainsbury Finance Sainsbury Finance Sainsbury's Credit Card (Nectar Card Holders Only)	15.9%	0%	12 months	3%	0%	12 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good Must have swiped your Nectar card in store in the last 6 months.
	AA AA The Rewards Credit Card	16.9%	0%	12 months	3%	0%	10 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Homeowner: yes Minimum Age: 21 years Minimum Income: £20,000 Credit Rating: good Employment Status: employed			Earn Rewards Points to purchase from a range of AA motoring products and services.
	Post Office Post Office Platinum Card	16.9%	0%	12 months	2.98%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £15,000 Credit Rating: good			0% commission on purchases made overseas.
	bmi bmi American Express Credit Card from MBNA	16.9%	0%	12 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Homeowner: yes Minimum Age: 18 years Minimum Income: £20,000 Credit Rating: good Employment Status: Employed			bmi American Express Credit Card from MBNA gives you the opportunity to earn bmi destinations miles through everyday spending.
	Halifax Halifax All in One Card MasterCard	15.9%	0%	10 months	3%	0%	10 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	Bank of Scotland Bank of Scotland All in One Card (Online)	15.9%	0%	10 months	3%	0%	10 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	Sainsbury Finance Sainsbury Finance Sainsbury's Credit Card	15.9%	0%	10 months	3%	0%	10 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	Tesco Bank Tesco Bank Tesco Clubcard Credit Card	16.9%	0%	9 months	2.9%	0%	13 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £5,000 Credit Rating: good Employment Status: employed			Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ
	Saga Saga Platinum	11.9%	0%	9 months	3%	0%	9 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 11.3% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).			Permanent UK Resident: yes Minimum Age: 50 years Minimum Income: £12,000 Credit Rating: good This product is only available to those aged over 50.
	Halifax Halifax Purchase Offer Credit Card	15.9%	0%	9 months	3%	0%	12 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good Exclusive to existing Ultimate Reward current account customers crediting at least £1k a month.
	Bank of Scotland Bank of Scotland Purchase Offer Credit Card	15.9%	0%	9 months	3%	0%	12 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good Exclusive to existing Ultimate Reward account customers crediting at least £1k a month.
	Play.com Play.com Credit Card	16.9%	0%	6 months	1.5%	0%	9 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good			1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening.
	Virgin Virgin Atlantic Amex White Card from MBNA	17.9%	0%	6 months	2%	0%	9 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good			3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
	Virgin Virgin Atlantic Amex Black Card from MBNA	41.8%	0%	6 months	2%	0%	9 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 41.8% (variable)+£115 fee p.a			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good			6000 bonus Flying Club miles on first spend, plus 2 miles for every £1 spent.
	Lloyds TSB Lloyds TSB Airmiles DUO Credit Card	15.9%	0%	6 months	3%	0%	9 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £15,000 Credit Rating: good
	Barclaycard Barclaycard Platinum With Balance Transfer	16.9%	0%	18 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 21 years Minimum Income: £20,000 Credit Rating: good
	Nationwide Nationwide Credit Card (Balance Transfer)	15.9%	0%	17 months	2.95%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £5,000 Credit Rating: good
	Virgin Virgin Credit Card	16.8%	0%	16 months	2.89%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good			Get tons of great discounts including 10% off Virgin Holidays, 20% off Virgin Experiences, 1 month free at Virgin Active and Half Price Balloon Flights
	MBNA MBNA Platinum Visa Credit Card	16.7%	0%	16 months	2.88%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.7% p.a.(variable) so if you spend £1,200 your representative APR will be 16.7% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good			McAfee Online Banking Suite worth £59.98, complimentary for 12 months
	NatWest NatWest Platinum Card (Online)	16.9%	0%	16 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	RBS RBS Platinum Card	16.9%	0%	16 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	Clydesdale Bank Clydesdale Bank Gold MasterCard	16.9%	0%	16 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	Yorkshire Bank Yorkshire Bank Gold MasterCard	16.9%	0%	16 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	NatWest NatWest Advantage Platinum Card Ex/C	17.9%	0%	16 months	2.9%	0%	6 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).			Permanent UK Resident: yes Existing Customers Only: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	RBS RBS Royalties Platinum Card Ex/C	16.9%	0%	16 months	2.9%	0%	6 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Existing Customers Only: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	Clydesdale Bank Clydesdale Bank Gold MasterCard (current a/c)	16.9%	0%	16 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	Yorkshire Bank Yorkshire Bank Gold MasterCard (current a/c)	16.9%	0%	16 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	NatWest NatWest Platinum Card Ex/C	17.9%	0%	16 months	2.9%	0%	6 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).			Permanent UK Resident: yes Existing Customers Only: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	RBS RBS Platinum Card Ex/C	17.9%	0%	16 months	2.9%	0%	6 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).			Permanent UK Resident: yes Existing Customers Only: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	NatWest NatWest Advantage Platinum Card (Online)	15.9%	0%	16 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	RBS RBS Royalties Platinum Card (Online)	15.9%	0%	16 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £10,000 Credit Rating: good
	Halifax Halifax Plus Credit Card (Online)	16.9%	0%	15 months	3%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good
	HSBC HSBC Credit Card	16.9%	0%	15 months	2.9%	0%	3 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good Only available to existing HSBC current account customers, paying in at least £500 a month.
	First Direct First Direct Gold Visa	16.9%	0%	15 months	2.9%	17%	12 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 17% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Minimum Income: £20,000 Credit Rating: good This product is only available to existing customers.
	First Direct First Direct Visa Credit Card (Black)	19.9%	0%	15 months	2.9%	20%	6 months
Representative Example			Criteria			Rewards
Representative Example: The annual purchase rate is 20% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).			Permanent UK Resident: yes Minimum Age: 18 years Credit Rating: good This product is only available to existing customers.

Warlock Media trading as 0creditcards.org.uk, Bloxham Mill Business Centre, Barford Road, Bloxham, Banbury, Oxfordshire, OX15 4FF

Brand Comparisons

Kinds of Cards

Eligibility for offers for 0% credit cards usually (but not always) depend on the credit score of the applicant. If you have a high credit rating, you're much more likely to qualify. It's worth applying, though, because usually they'll offer you a low-interest credit card even if you don't apply for the zero-interest offer.

Some of the top no interest credit cards offered in the UK include Citi Platinum Select Card, which offers 0% APR on balance transfers and purchases for a period of 12 months. They offer ?0 liability on unauthorized purchases and do not charge any annual fee. The 0% card has a regular APR of 10.74%. Chase Platinum Credit Card, too, offers 0% credit cards for 12 months or for 3 months, depending on the credit history of the applicant.

Blue from American Express features a 0% introductory APR up to 15 months and charges no yearly fee. The card's regular APR is about 11.74% and applicants do not have to have an exceptional credit record in order to get this credit offer.

There is also Blue Cash from American Express, which offers 5% cash back on all qualified purchases. This offer for their 0% credit cards is for six months and they do not charge an annual fee.

With Value Miles Platinum Visa Card, (a frequent flier credit card), the card holder can earn one value mile for every dollar spent. With 24,000 miles you earn can get an airline ticket for any nearby destination. They also do not charge yearly fees and the 0% interest applies to the first 12 months.

HSBC Platinum Master Card offers 12 months of 0% APR and it benefits include unlimited purchase protection and insurance for travel accidents. Their regular APR is 10.74%.

Citi Diamond Preferred Rewards Card offers a ?50 gift card and for every ?1 spent on purchases in drugstores, supermarkets and gas stations can card holders get 5 reward points and 1 point for every other purchase. Of a similar type is the GM Flexible Earnings Card, which offers 0% introductory APR for a year which presents a full one-percent cash back choice, otherwise the cardholder can choose a one-percent earnings towards any new GM vehicle.

Other companies that offer 0% credit cards also include Starbucks Duetto Visa for six months and Northwest Airlines- WorldPerks Visa Platinum Card, which has a credit line up to ?7,500 and a 15,000 miles annual WorldPerks travel reduction. The Northwest card does charge an annual fee of ?55, though.