Dual Offer Credit Card 0% interest on balance transfers for up to 20 months 0% interest on purchases for up to 20 months Collect 750 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that's 7,500 points†† T&Cs apply, 26 months 0% on balance transfers (3% transfer fee), 12 months 0% on money transfers (4% transfer fee). Uswitch Limited is a credit broker, not a lender, for consumer credit products. No matter which offer you choose, the Member Credit Card is great for travellers. With one of these credit cards you could enjoy: Cashback – Get back […], Brits are set to be haunted long into the winter months by their summer credit card debt, according to new Uswitch research. That’s why real customer experiences can be particularly valuable. Up to 7,500 bonus Nectar points. More than half (57%) of those surveyed said they’ll pay for their holiday on a credit card this year. What’s the best 0% intro APR credit card? This means that you can spread the cost of purchases over several months, without paying any interest on top. Sainsbury's Bank Balance Transfer Credit Card. Your IP: 159.65.153.102 The best credit cards and current accounts according to the 2018 Uswitch Banking Awards With so many credit cards and current accounts on the market, it can be hard to find the right banking product for your needs. You can check this on the Financial Services Register by visiting the FCA website. Sainsbury's Bank may offer you a 0% interest period on balance transfers of 29, 25 or 21 months depending on your individual circumstances. A 0% purchase credit card lets you buy items upfront and pay off the amount you’ve spent over a set period of time without any interest. Look for 0% interest rate credit cards with long time periods. And, like other credit cards, they also benefit from purchase protection. Once the introductory interest free period ends, the interest rate reverts to the standard purchase rate, often known as the revert rate. 0% on purchases for 18 months; 0% on balance transfers for 16 months, available for 90 days from account opening (2.9% fee applies, minimum £5) ... With the M&S Credit Card you'll pay no interest for months on balance transfers made within 90 days of account opening (a fee applies – % of the amount transferred, min £5). If your debt is clear at the end of the pre-agreed 0% period, then you’ll pay no interest and the credit won’t have cost you anything. Balance Transfer fee of 3% or 4% applies to transfers made at application, depending on your individual circumstances (£3 minimum). You can’t make a transfer from any other Barclaycard or our partner cards. Representative Example: The standard interest rate on purchases is 20.95% p.a. This period usually begins from the moment you get the card. Most people experience problem debts at some point in their lives, and it can be difficult to get the situation back under control. You’re more likely to be offered the best credit card deals with the longest interest free periods if you fit the eligibility criteria and have a good credit history. Many people borrow money […], Use this guide to find essential information about how to get out of debt, including ways to reduce debt and how to get help if you’re having debt problems. Our services are provided at no cost to you, but we may receive a commission from the companies we refer you to. Aim to clear the card in the 0% period (+ how to make it work like a loan) 4. uSwitch Limited is a credit broker, not a lender, for consumer credit. You are charged a fee of up to 5% to transfer your balance, after which you can pay it off with monthly payments. You can use credit cards to help pay off other debts using balance transfer or money transfer credit cards, or you can use them to collect rewards and even cashback. Broadband, mobiles, banking, insurance and energy utility comparison. These credit cards let you buy things without being charged with interest for an introductory period. T&Cs apply. The best 0% interest credit card is the Wells Fargo Platinum card because it has zero interest for 18 months on purchases and zero interest for 18 months on qualifying balance transfers. The Wells Fargo Platinum credit card also has a $0 annual fee, and its balance transfer fee is … These are useful for either paying down debt, or spreading the cost of a large purchase over a period of months, without paying interest. There are a huge range of credit cards offering 0% interest on both new purchases and on balances you’ve transferred across from a previous card. We compare all suppliers and tariffs without bias and keep your personal details safe, but don't just take our word for it. This can make monthly repayments more affordable and thus easier to pay off. There are also many credit cards that are only available to people in member organisations and clubs. Interest free purchase credit cards are also known as 0% purchase credit cards. The first step in getting the best deal on interest free credit cards is to shop around and compare interest free credit cards. When we use the term ‘most popular’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 48 hours. After 27 months the rate for the transferred balance will change to the standard variable rate that applies at the time. Consolidate existing debt or take your time paying off a big purchase with these 0% intro purchase APR credit cards, some of which are from our partners. 0% Balance transfer credit cards let you transfer the debt from one current credit card to another credit card. Used badly, it burns. Great for: Long balance transfer offer Citi Simplicity® Card - No Late Fees Ever. However, we do not compare all the credit cards that are available in the UK. As the number of 0% cards increased, so did the number of people taking advantage. We compare over 100 credit cards from all of the major banks and credit card providers. *Credit Card – The rate for balance transfers is 0% interest for 27 months when you make a balance transfer within three months of opening your account. The 2018 Uswitch Banking Awards bring together insights […], Getting the best exchange rate for your travel money by shopping around and buying currency at the right time Exchange rates move fast and there are hundreds of different rates available on the market, so if you want to get the most foreign currency. Rating image, 4.5 … • These credit cards let you buy things without being charged with interest for an introductory period. These cards can be used for balance transfers, purchases and money transfers. The average holidaymaker spent £473 on their credit card for flights, accommodation and hire […], Millions of British holidaymakers admit they’ll get into debt to fund their summer getaway this year, according to new research from Uswitch. Find the right credit card for you. 20% off Virgin Experience Days, plus many more Virgin Group discounts. A 0 interest credit card is a type of credit card that allows you to make purchases, without paying any interest on them for a fixed introductory period. (variable), so if you borrow £1,200 the Representative APR will … Make AT LEAST the monthly minimum repayments (preferably more) 3. One card available just for our members with two great offers. You will only have to pay one monthly repayment amount. – If you are struggling to meet your current monthly […], While there’s no such thing as a ‘best’ credit card (you should think about how you spend and consider your personal circumstances) we’ve taken a close look at the market and picked out what we think are some of 2018’s top performers. The best 0% credit card deals offer 0% interest rates on balance transfers and 0% purchase deals for up to 29 months. This can help you manage your money more easily. Martin first broadcasted a strategy for this in early 2000, as 0% credit card interest rates began. After the 0% interest period ends, you will be charged interest on the remaining balance. Cloudflare Ray ID: 60868a6d8aed3984 Double M&S points on all your M&S shopping for the first 12 months; 0% on shopping for 6 months; 0% on balance transfers for 6 months, available for 90 days from account opening (2.9% fee … More than half (57%) of those surveyed used a credit card to pay for their summer holiday this year. Exclusive access to Virgin Money Lounges – the perfect place to relax and unwind. These are sometimes also referred to as 0 purchase cards, and 0 credit cards. If you’re starting to feel overwhelmed by your debts, you’re unable to pay them off, or there’s an increasing risk of being taken to court by the people that you […], Debt consolidation loans are one way of dealing with overwhelming debts – read our guide to learn more What is loan consolidation? The charge will depend on your current offer thereafter. Additional criteria for acceptance from the lender may apply. The Barclaycard Platinum 18 Month 0% Interest Purchase and Balance Transfer Card combines two solid offers. Uswitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. 20 months 0% on balance transfers (1% transfer fee). 14.74% – 24.74% Citi Simplicity® Card 18 months 18 months. • 2. It’s a useful way to avoid paying interest on your debt as the long interest free period offered on most balance transfers could save you plenty of money if you expect it will take you some time to repay the amount owing. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments … Based on our assessment of your circumstances we may offer a 0% interest period of 19 or 16 months instead. If you've a big, planned, budgeted-for purchase, a 0% credit card is THE cheapest way to borrow as it lets you spread the cost over two years or more completely interest free. 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