0% Credit Cards in the UK

More Egg Options

Some other provider of egg credit cards are Tesco credit card offering 0% on purchases and balance transfers. Their APR is 12.9% variable and offers two fresh new card designs too. One good thing about their 0% credit card is their fraud protection. There is the Tesco Payment Protection Insurance which takes care of the minimum monthly repayments for up to 12 months. The item purchased using this egg credit card, if its lost or stolen, is automatically insured for up to 90 days. Also they charge just 75p for every £100 of the outstanding balance and there’s no need to pay any penny if there’s no outstanding balance. They also offer the Tesco Sentinel card protection if the credit card is lost.

Another egg credit card is the Sainsbury credit card offering 0% p.a. for 10 months with their typical APR of 15.9% variable. You can pay £20 for one years cover or £50 for three years cover and be able to receive this protection. Some of their benefits are 5.94% p.a. for life of balances transferred after the first six months, after that will be charged 15.94% p.a. variable, 17.95% variable or 19.95% variable. They also offer booklet of money saving vouchers, does not charge any balance transfer or annual fees and there’s optional protection against loss or theft of the credit card.

There is the MBNA Platinum Rewards Credit Card too offering the egg card. For 9 months is able to get the 0% p.a. on balance transfers from the date of account opening and their typical APR is 15.9% variable. Can earn one point for every £1 spent on purchases and can redeem this for holidays, flights, vouchers or days out. They also do not charge any annual fee. Offer insurance for card loss or fraudulent online use. They are also offering free customer helpline 24 hours per day.

Halifax One Visa also offers a good egg credit card, 0% balance transfers for 12 months with their typical APR of 15.9% variable. For late payment they charge £25 and for exceeding the limit, another £25.

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.