0% Credit Cards in the UK

Student and Business Credit Card Options

Some of the credit card companies offering great features for students are Citi Dividend Card for College Students which offers an introductory 0% APR for 6 months and also allows 5% cash back on some purchases at supermarkets, drugstores and gas stations. The same credit card also offers the Platinum card for the students with 0% interest rate for 6 months and a regular Apr of 17.74%. Another student credit card is from Citi mtvU Platinum Select Visa card through which you can earn 5 Thank You points for every dollar you spend at video rentals, bookstores, restaurants, movie theatres and record stores.

You can also earn 1 Thank You point for other purchases; all these points can also be redeemed for MTV events, gift cards and airline. Their regular APR rate is 17.74%. There is the Discover Student Classic Card too offering 0% APR for six months plus 5% cash back bonus on Get More Program purchases and 1% for others. Their regular Apr is 16.99%. The same card called the Tropical Beach Card and also Clear Card offers the same type of bonuses and features for the students. There is the Chase Platinum Student Credit Card too which does not charge any annual fee and can get one point for every dollar spent on purchases. Its introductory 0% Apr is for 6 months and its regular APR is 17.74%.

As for the businessman, there are several credit card offers to choose from. Some of them are the Advanta Platinum with Rewards from Master Card offering 0% APR on balance payments for 15 months. Their fixed APR is only 7.99% and also offers 5% cash back or travel rewards. CitiBusiness Card is another good business credit card from Master Card offering 0% APR on balance transfers for 12 months and does not charge any annual fee. They also provide free extra cards for employees with credit limits of one’s choice. Their regular APR is 10.99%.

Another one is CitiBusiness Card with Thank You Network, offering 0% APR on balance transfers for 12 months. They offer an amazing 10,000 Thank You points after the first purchase and 3 Thank You points for every dollar spent on some business purchases. Their regular APR is 13.99%. Blue Cash for Business Credit Card also offers 5% cash refund and 0% APR for the first 6 months. Its Apr is 13.74%.

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.