0% Credit Cards in the UK

Visa Egg Credit Card. Info on this UK option.

Egg credit cards are used by a lot of people because of its advantages. The Visa egg credit card being one of them, which features a low 15.9% APR variable with its introductory 0% balance transfers and purchases. These days the egg card even offers up to 10% cash back on every credit card purchases when you buy through the online dealers. Another very attractive benefit they are offering is their balance transfer anniversary, allowing the egg card holder to have free interest period up to five months until January 2008.

The egg credit card through Visa also features 0% balance transfer rate with 2% fee being the maximum charge. This interest free rate is offered for a period of 45 days and charges overseas transaction fee of 2.65%. The minimum monthly repayment is either 2%% or £5, whichever is greater and good thing is, even offer insurance for travel accidents. Some of its purchase protections are free purchase in transit protection for items that cost more than £25. Thus you are actually covered for up to £1000 per item, provided they are either stolen or damaged before it reaches home or up to a period of 30 days, whichever is sooner. They also do not charge any annual fee. Well other features include 10 % discount on travel insurance, can transfer balances from overdrafts, credit cards and loans too.

They also provide internet guarantee when using the Visa egg credit card in the Egg Shopping Zone, which covers against any deceptive transactions of any amount, if it had been done without your knowledge. Also interest on cash and debt transfers are charged on every day basis, say from the date of withdrawal or debt transfer, even if the account is cleared fully every month. The minimum cash withdrawal limit per day is £500 and it’s the same overseas.

Some other charges include £20 for exceeding personal limits, another same amount for late payments. The minimum egg credit limit they have set is £500 and the maximum is £15,000. As such with all of these features, egg credit card Visa is quite popular in UK and boasts of being one of the first internet only brands.

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.