18 May 2013 : 
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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 offer

  • Barclaycard Platinum with Balance Transfer

  • 0%
    26 mths
    3.50% fee

  • 0%
    6 mths

  • 18.9%
    APR

  • Barclaycard Unwind

  • 0% interest on balance transfers for 26 months
  • £10 refund on transfers of £2000 or more (T&Cs apply)
  • Pay for items up to £20 with payWave™ Contactless
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).
Barclaycard Platinum with Balance Transfer application
Halifax 25 Month Balance Transfer offer

  • Halifax 25 Month Balance Transfer

  • 0%
    25 mths
    2.50% fee

  • 0%
    3 mths

  • 18.9%
    APR

  • No Rewards

  • Transfer fee reduced from 3% to 2.5% (Automatic refund process, T&Cs apply)
  • APR & promotional offer length are dependent on your circumstances
  • Free cover against online fraud
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
Halifax 25 Month Balance Transfer application
Tesco Clubcard Credit Card with Balance Transfer offer

  • Tesco Clubcard Credit Card with Balance Transfer

  • 0%
    25 mths
    2.90% fee

  • 0%
    3 mths

  • 16.9%
    APR

  • Clubcard Points

  • 0% Transfers for 25 months
  • Collect Tesco Clubcard points wherever you shop
  • Card replacement & cash advance - if you lose your card abroad
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.
Tesco Clubcard Credit Card with Balance Transfer application
Barclaycard Platinum 25 Mths Balance Transfer offer

  • Barclaycard Platinum 25 Mths Balance Transfer

  • 0%
    25 mths
    2.40% fee

  • 0%
    6 mths

  • 18.9%
    APR

  • Barclaycard Unwind

  • Reduced transfer fee from 3.5% to 2.4% (T&Cs apply)
  • Instant Decisons for Online Applications
  • Pay for items up to £20 with payWave™ contactless payment
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Barclaycard Platinum 25 Mths Balance Transfer application
Barclaycard Business 0% 22Mth Balance Transfer offer

  • Barclaycard Business 0% 22Mth Balance Transfer

  • 0%
    22 mths
    2.50% fee

  • 0%
    3 mths

  • 18.9%
    APR

  • 90 day purchase protection

  • 0% interest for 22 months on balance transfers (2.5% handling fee)
  • 0% interest for 3 months on purchases
  • No Annual Fee
Representative Example: If you spend £1,500 at an purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Barclaycard Business 0% 22Mth Balance Transfer application
Nationwide with Balance Transfer offer

  • Nationwide with Balance Transfer

  • 0%
    20 mths
    3.10% fee

  • 0%
    3 mths

  • 15.9%
    APR

  • No Rewards

  • 0% for 20 months on balance transfers (3.1% fee, min £5)
  • Commission-free purchases abroad
  • Fraud Protection Guarantee - Account monitoring with the latest protective technologies
Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable).
Nationwide with Balance Transfer application
Tesco Clubcard for Purchases offer

  • Tesco Clubcard for Purchases

  • 0%
    9 mths
    2.90% fee

  • 0%
    16 mths

  • 16.9%
    APR

  • Clubcard Shopping

  • Collect Tesco Clubcard points wherever you shop
  • Spend Clubcard rewards on Tesco shopping, holidays and days out
  • No cash advance fee for Clubcard Credit Card Tesco Travel Money purchases
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.
Tesco Clubcard for Purchases application
Bank of Scotland Platinum offer

  • Bank of Scotland Platinum

  • 0%
    18 mths
    3.00% fee

  • 0%
    3 mths

  • 17.9%
    APR

  • No Rewards

  • 0% for the first 18 months on balances transferred in the first 90 days (3% fee)
  • Instant decision on online applications (in most circumstances)
  • Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
Bank of Scotland Platinum application

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 might be to get a interest free card with a long introductory 0% period on purchases, assuming you have the means to pay the balance before the introductory period ends.

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.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
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