Compare 0% interest credit cards
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0% interest credit cards
Get personalised offers for 0% interest cards and see if you could press pause on paying interest
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See if you could save on interest
Check your approval chances before you apply
Compare as many offers as you like without harming your credit score
Finding a 0% interest card is easy on ClearScore
1. Sign up
Get your credit score and report for free, forever. And log in to see your personalised offers.
2. Compare your offers
The offers you see are tailored to your score.
3. Apply for your credit card
We’ll tell you what your approval chance is so you can apply with confidence.
You could press pause on paying interest. Tell us what you’re looking for and we’ll show you personalised offers for 0% interest credit cards.
What’s a 0% interest credit card?
It means you can make repayments or transfer debt without paying interest
A 0% interest card lets you press pause on paying interest. That means you can use it for something like your everyday spending or to do a balance transfer, without paying the interest on the balance you carry over every month.
The 0% interest period isn’t forever
The 0% interest period can last anywhere between 6 months and 2 years. It’s a good idea to check what the interest rate will be after the promotional period ends – so you can plan ahead.
You still need to make the minimum repayments
The credit card will come with a credit limit, like normal, which you’ll need to stay within. And you’ll need to make at least the minimum monthly repayments. Otherwise, you risk losing the 0% offer.
The different types of 0% interest credit cards
There are a few different types of 0% interest cards out there – find the right one for you.
0% balance transfer cards
Balance transfer cards let you transfer your existing credit card debt onto the new one. The 0% interest period means you won’t start building up interest on any of the balance you carry over. It can usually last anywhere between 6 months and 2 years.
0% purchase cards
Purchase cards are designed for large purchases. You’ll be able to spread the cost over a few months – and the 0% interest period means you could save money on interest.
0% money transfer cards
Money transfer cards let you move money into your bank account. They can help if you have an overdraft on your current account, or if you need cash. There’s usually a fee for transferring the money.
The application process
You can apply for a 0% interest card in the same way you’d apply for any credit card.
Compare your offers
The offers you’ll see are tailored to you.
We’ll ask you for some information to understand what you’re looking for and show you the credit cards you’re likely to be eligible for.
Look for the Triple Lock Guarantee
If you see 3 green ticks, it means your offer is pre-approved, and comes with a locked-in credit limit and interest rate. Helping you plan ahead and take control of your finances.*
Apply for your credit card
We’ll show your approval chances when you search for a credit card – saving you time and effort.
You might have to give the lender some more information and then they’ll carry out a hard search against your credit history.
Wait for your card to arrive
If you’re approved, it shouldn’t take long to get your card in the post. You’ll be able to use your new credit card as soon as you activate it.
*Pre-approval doesn’t always guarantee acceptance and is subject to lenders’ checks of your credit status.
Find your 0% interest credit card
Things to remember when taking out a 0% interest credit card
You need to make the minimum monthly repayments
The 0% interest offer applies to the balance you carry over – outside of the minimum monthly repayment. If you miss a payment, you risk losing the promotional 0% offer.
The 0% interest period doesn’t last forever
Make sure you understand when the offer ends and when you’ll need to start paying interest.
Borrowing responsibly can improve your credit score
Look out for the terms and conditions when it comes to taking out money at a cash machine or using the card abroad – there are usually fees. And staying within your credit limit and planning your budget in advance can help you build a strong credit history.
The benefits of 0% interest cards
0% interest credit cards can help when it comes to large purchases or existing credit card debt.
You can spread the cost of your purchases, without paying extra on the balance you carry over.
You could transfer your current credit card debt to stop paying interest during the promotional period.
Your credit score could improve if you borrow responsibly.
The risks of 0% interest cards
There are some risks to think about before getting a 0% interest card.
The interest rate after the promotional period ends can be quite high.
If you can’t make the minimum monthly repayments, or go over your credit limit, you risk losing the offer.
There’s usually a transfer fee on balance transfer cards.
Who’s eligible for a 0% interest credit card?
To get a credit card, you need to be at least 18 years old and a UK resident. And you usually need to be employed and have a good credit history.
Getting a 0% interest card with a bad credit score
If you have a bad or low credit score, you could still get a 0% interest card. You might be offered a lower credit limit and the 0% interest period might not be as good.
But, at ClearScore, we work with lenders who specialise in helping you find the best credit card for your score.
Representative 34.6% APR.
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You can check out your payment history for the last 6 years. And we’ll show you when the account was opened and last updated. You can even see how much of your available credit limit you’ve used and what the loan balance is. Everything you need, all in one place.
Save time when looking for your next offer
We’ll show you offers tailored to you – and order them based on what might be right for you. And we’ll let you know what your approval chance is so you can feel confident about applying.
Learn more about 0% interest credit cards
Frequently asked questions
You can apply in the same way you would for other credit cards. Comparing your offers and checking your credit score, before applying, is a good way to see what interest rates and credit limits are available to you.
The interest rate you’re offered is based on all the things that make up your credit score and report. Because credit cards are a type of unsecured credit, lenders might offer different interest rates to different people, once they assess how risky it is to lend to them. That’s why someone with no, or a bad, credit history might be offered a higher interest rate after the 0% promotional offer ends.
The 0% interest period could last anywhere between 6 months and 2 years. It depends on the lender, type of card, and your credit score and history.
It’s unlikely you’ll be able to extend the 0% interest period once you have the credit card. But, comparing cards before you apply can give you a better idea about what’s available to you.
A few things could happen if you miss a credit card payment – whether that’s by one day or longer. You might have to pay a fee (your lender will tell you) and the missed payment can appear on your credit report if you’re unable to pay within about 30 days. That could potentially affect your ability to get credit in the future – lenders look at your credit history to see if you have a track record of managing money responsibly. You could also lose the 0% interest offer.
If you can’t afford to pay your credit card statement, there are things you can do that could help. You should speak to your lender straight away and talk through your options with them. And, if you need debt advice, you can speak to charities like StepChange, National Debtline and Citizens Advice.
Learn more about what happens if you miss a credit card payment.
Yes – if you want to pay off your credit card early, you can. If you make a repayment before your statement closing date (not the payment due date), your credit utilisation would be lower. The closing date for your statement is roughly 21 days before your payment due date.
It depends how much money you need to borrow. Often, a loan can give you access to a higher lump sum of money and a credit card gives you a rolling credit limit you can dip into on a monthly basis.
Sign up to ClearScore to compare loans today.
Some purchase cards will let you transfer money directly into your bank account, but you’ll need to check the terms as they can differ from card to card.
APR stands for annual percentage rate. When you take out a credit card, you’ll need to pay it back ‘with interest’ if you carry over a balance. This is where APR comes in – it’s made up of the interest rate and other charges you might have to pay (like an annual fee). When your promotional offer ends, the APR can be quite high.
Credit card APR doesn’t include fees you might have to pay if you miss a payment or take money out at a cash machine.
Other types of available credit cards
There are lots of credit cards out there – it’s important to find the right one for you.
Purchase cards
Purchase cards are designed for large purchases. You’ll be able to spread the cost over a few months – and the 0% interest period means you could save money on interest.
Balance transfer cards
Balance transfer cards let you transfer your existing credit card balance onto another card. You could use one of these cards to consolidate your debt and pay it off within the low- or 0% interest period.
Rewards cards
Rewards credit cards let you earn things like cashback, points or air miles when you make certain transactions. The interest rates can be high and some rewards cards also come with a monthly or annual fee.
Credit cards for bad credit
Credit cards for bad credit are designed for people who have a bad credit score or a poor repayment history and usually comes with a low credit limit or high interest rates.
Credit builder cards
Credit builder cards help you build your credit score. The interest rates can be high and the credit limit low, but you could see your score improve if you keep up with the monthly repayments.
Travel cards
Travel credit cards mean you either won’t be charged for using your card abroad, or the fees will be low.