Top 5 Best 0% Credit Cards, Reviewed for 2022

0 Credit Cards

0% credit cards enable you to make purchases up to your credit limit and pay 0% interest on your expenditure, for an introductory period.

However, 0% does not necessarily mean there are no charges involved. You still have to pay at least the minimum payment every month. Failure to do so could result in monetary penalties or even losing the promotional, introductory period.

0% interest effectively means that any balance remaining after paying the minimum balance carries on without adding interest.

In this guide, you will be introduced to the best 0% credit cards available in the UK.

Top 5 0% Credit Cards

0% Credit Cards


The Santander All in One Credit Card offers 0% interest on purchases for the first 26 months from account opening. Moreover, the card charges no interest on balance transfers for the same period with no balance transfer fee.

To qualify for the card you need to be over 18 years and have permanent residency in the UK. You must also have a minimum income of £7,500 per year.

Interestingly, the card offers 0.5 percent cashback on all your purchases and charges no foreign transaction fees for overseas purchases.

Additional details include:

  • £3 monthly fee
  • Representative 21.7% APR (variable)
  • Purchase rate 15.9% p.a (variable)
  • Assumed credit limit £1,200

M&S Bank

The M&S Bank Credit Card Shopping Plus Offer allows you to enjoy 0% interest on purchases for 20 months. You are also entitled to 0% interest on balance transfers for 20 months, available for 90 days after account opening.

Anytime you shop using the M&S card you will earn M&S points to the ratio of £1:1 M&S point.

Additional details include:

  • 2.9% fee (minimum £5)
  • Representative 19.9% APR (variable)
  • Purchase rate 19.9% p.a (variable)
  • Assumed credit limit £1,200


The TSB Platinum Purchase Card offers you up to 20 months interest-free on both your purchases and balance transfers made within the first 90 days of opening your account.

Usually, interest is charged from the date of transaction, though you will not be charged interest on new purchases if you clear the full balance shown on your previous and current statement on time.

To remain eligible for the promotional rates you must make your monthly payments on time and stay within your credit limit.

Additional details include:

  • 2.95% balance transfer fee
  • Representative 19.9% APR (variable)
  • Purchase rate 19.95% p.a (variable)
  • Assumed credit limit of £1,200

Sainsbury’s Bank

The Sainsbury’s Bank Dual Offer Credit Card offers you an interest-free period of 12 or 16 months depending on your circumstances, and 0% interest on balance transfers up to 20 months.

To be eligible for the card you must have been a Nectar member for at least six months. Earn up to 750 bonus points each time you spend £35 or more shopping with the credit card.

Additional details include:

  • 3% balance transfer fee
  • Representative 20.9% APR (variable)
  • Purchase rate is 20.95% p.a (variable)
  • Assumed credit limit of £1,200


The Barclaycard offers you up to 18 months interest-free from the date of account opening. Furthermore, you will enjoy 0% interest on balance transfers for up to 18 months.

Additional details include:

  • 2.9% transfer fee
  • Representative 21.9% APR (variable)
  • Purchase rate is 21.9% p.a (variable)
  • Assumed credit limit is £1,200

Click here for more actionable advice on credit cards

Best Dividend Stocks
Previous Story

Best Dividend Stocks for UK Investors, Reviewed for 2022

NHS Credit Union
Next Story

Should You Join the NHS Credit Union as a Healthcare Professional?