Interest Free Credit Cards

If you regularly use your credit card, and don't want to pay off the balance in full each month, you are likely to benefit from getting an interest-free credit card. Credit cards are classed as interest free if they have an interest-free period of any sort. Read more...>

Product Name	Balance Transfer Intro	Purchases Intro	Representative APR (variable)	Rewards

Barclaycard Platinum with Balance Transfer
0%
22 mths
2.90% fee
0%
3 mths
17.9%
APR
Rewards

For a quicker transfer, complete your BT as you apply
Identity Protection Service and Fraud Protection
Good credit rating required

Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable).

Barclaycard Platinum with Balance Transfer application

NatWest Platinum
0%
20 mths
2.90% fee
0%
6 mths
17.9%
APR
Wine Travel Shopping

Discounts from Thomas Cook and Mastercard offers
Apply today and get an instant decision
Good credit rating required

Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances

RBS Platinum
0%
20 mths
2.90% fee
0%
6 mths
17.9%
APR
Discounts, Travel, Wine

Discounts on wine, shopping & travel
£750 cash advance per day, depending on credit limit
Good credit rating required

Tesco Clubcard
0%
9 mths
2.90% fee
0%
15 mths
16.9%
APR
Clubcard Shopping

1 Clubcard point per £4 spent (£4 min) on your Tesco credit card
Spend Clubcard rewards on Tesco shopping, holidays and days out
Good credit rating required

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.

HSBC
0%
23 mths
3.30% fee
0%
3 mths
17.9%
APR
No rewards

Available only to HSBC current account customers
Manage your account online, by phone or branch
Best for applicants with good credit rating

Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 17.90% p.a. (variable) *Your credit limit may vary depending upon your circumstances

Bank of Scotland Plus
0%
18 mths
3.00% fee
0%
3 mths
16.9%
APR
Dining out Travel Shopping

Instant decision on online applications (in most circumstances)
Discounts on UK attractions, hotels, travel and dining out
Good credit rating required

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable).

Lloyds TSB Platinum
0%
15 mths
3.00% fee
0%
3 mths
17.9%
APR
No Rewards

Active Account Monitoring to spot any suspicious spending
Manage your account online
Excellent credit rating required

Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).

Interest Free Credit Cards Advice

This could be a 56 day interest-free period, an introductory balance transfer interest-free period, an introductory interest-free period on purchases or a mixture of any of these.

If you are looking for a credit card which will give you a substantial amount of time to pay off the balance in full, you would be better off with a credit card offering the longest interest free period. The standard interest-free period is around 56 days.

Another option would be to get a interest free card with a long introductory 0% period on purchases. The market average is currently around six months, although, if you are specifically interested in 0% purchase offers, some interest-free purchase cards offer 0% periods of nine or even twelve months.

If you have an outstanding balance on your credit card, you would probably benefit from an interest free card with 0% on balance transfers. The market average is currently around nine months, although some interest free cards offer a 0% period on balance transfers for twelve to fifteen months.

Top Tips for Interest Free Credit Cards

If you are looking to get the most from a credit card, you should definitely consider the length of the interest-free period
Some credit cards are run by the same parent company. If you have just had an introductory interest free offer on one credit card and then try to get one on another credit card run by the same parent company, you may not get given the interest free offer
Interest free periods never apply to any cash withdrawals made with your credit card, so don't take cash out on your card thinking you won't have to pay the high interest on it

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Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

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