Credit cards

The best 0% purchase credit cards in the UK right now offer up to 26 months interest-free on new spending, with top picks including TSB’s Platinum Purchase Card (26 months), M&S Bank’s Purchase Plus Card (25 months), and Lloyds Bank’s Platinum 0% Purchase & Balance Transfer card (25 months).([clearscore][1])([finder.com][2]) ## Top 0% purchase cards (August 2026) | Provider | Card | 0% on purchases | Representative...

surse: clearscore.com, comparebanks.co.uk, comparethemarket.com, finder.com, money.co.uk, moneyfactscompare.co.uk

Determining the "best" balance transfer credit card in the UK depends on what you are looking for—whether that is the longest possible 0% interest period to pay off a large debt, or a card with zero transfer fees. The market features top-performing options divided into long-duration deals and zero-fee options: ### 1. Longest 0% Interest Periods If you need as much time as possible to pay off your balance without a...

surse: barclaycard.co.uk, hsbc.co.uk, natwest.com, which.co.uk

There is no single "best" bank for a balance transfer credit card, as the right choice depends on whether you need the **longest 0% interest-free period** to clear a large debt or a **low/zero-fee card** to keep costs down. Top offers on the UK market max out at **36 months** of 0% interest.[](https://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards/) [www.moneysavingexpert.com](https://www.moneys...

surse: barclaycard.co.uk, comparethemarket.com, facebook.com, gilt-edge.uk, independent.co.uk, money.co.uk

The "best" balance transfer credit card depends on your priority, but major UK providers like [HSBC](https://www.hsbc.co.uk/credit-cards/products/balance-transfer/), [Virgin Money](https://uk.virginmoney.com/cards/products/balance-transfer-cards/) , and [Tesco Bank](https://www.tescobank.com/credit-cards/balance-transfer-credit-card/) currently lead the market. They offer top-tier, definite 0% interest terms spanning...

surse: hsbc.co.uk, moneysavingexpert.com, moneysupermarket.com, natwest.com, tescobank.com, virginmoney.com

The "best" UK balance transfer credit card depends on whether you need the longest 0% interest-free period to pay off a large debt or a zero-fee card to clear a smaller balance quickly. Top providers include TSB](https://www.tsb.co.uk/credit-cards/balance-transfers.html), [HSBC](https://www.hsbc.co.uk/credit-cards/products/balance-transfer/) , and [Virgin Money](https://uk.virginmoney.com/cards/products/balance-trans...

surse: barclaycard.co.uk, facebook.com, hsbc.co.uk, moneysavingexpert.com, tsb.co.uk, virginmoney.com

If you mean **0% interest on new purchases** rather than balance transfers, the UK market currently has some strong offers. As of **17 August 2026** , the longest deals I found are around **25–26 months**. [Best 0% purchase credit cards 2026 - Which?](https://www.which.co.uk/money/credit-cards-and-loans/credit-cards/best-credit-card-deals/best-interest-free-credit-cards-aKZ701r6uXXP?utm_source=chatgpt.com)[Best 0% in...

surse: cardrates.com, finder.com, forbes.com, hsbc.co.uk, moneyfactscompare.co.uk, moneynet.co.uk

If you mean **UK cards for moving an existing credit-card balance**, the best choice depends mainly on how quickly you can repay it. As of **August 2026**, my shortlist would be: | Card | 0% balance-transfer period | Transfer fee | Best for | |---|---:|---:|---| | **TSB Platinum Balance Transfer** | Up to **38 months** | 3.49% | Longest possible period | | **Barclaycard Platinum** | **36 months** | 3.15% | Excellen...

surse: moneysavingexpert.com, which.co.uk

There is no single "best" bank for a balance transfer credit card, because the right choice depends on the length of the 0% interest period you need and the size of the one-off transfer fee you are willing to pay . Top providers offer competitive market-leading terms of up to 36 to 38 months interest-free.[](https://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards/) [www.moneysavingexpert.com](htt...

surse: barclaycard.co.uk, clearscore.com, comparethemarket.com, experian.co.uk, gocompare.com, money.co.uk

If you're looking for a **0% purchase credit card in the UK right now (August 2026)** , the best deals are offering roughly **22–26 months interest-free** on purchases. The key is to choose a card where you can comfortably clear the balance before the 0% period ends. [Best 0% interest free credit cards: July 2026](https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/?source=CRM-MSETIP-50668446&utm_sourc...

surse: cardrates.com, finder.com.au, fool.com, forbes.com, moneysavingexpert.com, which.co.uk

When looking for the best 0% purchase credit cards in the UK, the top options depend on how long you need the interest-free period to spread the cost of your purchases. ### Top 0% Purchase Credit Cards | Provider | Card Name | 0% Purchase Period (up to) | Standard Variable APR (After 0% period) | | :--- | :--- | :--- | :--- | | **M&S Bank** | Purchase Plus Credit Card | 25 to 26 months | 24.9% APR | | **TSB** | Pla...

surse: moneysavingexpert.com, moneysupermarket.com

The best UK travel credit cards are those that charge no foreign transaction fees and, ideally, no fees on overseas cash withdrawals. For most travellers, the top all-rounders in 2026 are: - **Halifax Clarity Credit Card** – consistently rated a “Best Buy” for fee-free spending and withdrawals abroad.([which.co.uk][1])([pocketwise.co.uk][2])([moneytothemasses.com][3]) - **Barclaycard Rewards Visa** – no foreign or c...

surse: currencytransfer.com, finder.com, moneysavingexpert.com, moneytothemasses.com, pocketwise.co.uk, reviewcentre.com

The best 0% purchase credit cards in the UK offer interest-free periods of up to 26 months . Top choices include cards from [M&S Bank](https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/) (26 months guaranteed), [TSB](https://www.tsb.co.uk/credit-cards/purchases.html) (up to 26 months), [HSBC](https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/) (up to 24 months), and [Barclaycard](https://www....

surse: barclaycard.co.uk, hsbc.co.uk, money.co.uk, moneysavingexpert.com, moneysupermarket.com, nationwide.co.uk

The best credit card in the UK depends on what you need : top choices include the **American Express Cashback Everyday** for fee-free cashback, the Lloyds Ultra Credit Card for travel and low ongoing rates, and providers like HSBC or Virgin Money for long 0% balance transfers.[](https://www.moneysavingexpert.com/credit-cards/) [www.moneysavingexpert.com](https://www.moneysavingexpert.com/credit-cards/)[www.moneysavin...

surse: comparethemarket.com, moneysavingexpert.com, moneytothemasses.com

The best UK credit cards depend on your goal: the [Amex Cashback Everyday](https://www.moneysavingexpert.com/credit-cards/) leads for fee-free rewards (5% intro cashback), the [Lloyds Ultra](https://moneytothemasses.com/using-credit/credit-cards/best-credit-cards-in-the-uk) tops travel and low interest, and providers like [HSBC](https://www.comparethemarket.com/credit-cards/) or Virgin Money offer up to 36+ months fo...

surse: comparethemarket.com, moneysavingexpert.com, moneytothemasses.com, which.co.uk

The best UK credit card for everyday spending depends on whether you prefer cash back or retailer rewards, with top options including the `Lloyds Bank` Ultra card for fee-free cash back and foreign spending, the [American Express](https://www.americanexpress.com/en-gb/) Cashback Everyday card for high introductory rates, and supermarket cards like M&S Bank or Tesco Bank for loyalty points.[](https://www.moneysavingex...

surse: americanexpress.com, curve.com, moneysavingexpert.com, moneytothemasses.com, uswitch.com, which.co.uk

If by **“low fees”** you mean _no annual/monthly fee, low interest if you occasionally carry a balance, and ideally no foreign-exchange fees_ , there are a few good UK options in 2026. ### My shortlist Card| Annual/monthly fee| Best for| Key point ---|---|---|--- **Lloyds Ultra**| £0| Everyday spending + travel| 1% cashback in year 1, 0.25% thereafter, **no FX fee** , 14.9% representative APR [Lloyds Ultra Cre...

surse: forbes.com, halifax.co.uk, headforpoints.com, lloydsbank.com, moneyfactscompare.co.uk, moneysavingexpert.com

If you mean **the best UK balance-transfer card available right now** , the standout depends on whether you want the **longest 0% period** or the **lowest transfer fee**. ### Best options currently Card/provider| 0% balance transfer| Transfer fee| Best for ---|---|---|--- **TSB**| Up to **38 months**| Varies| Longest possible period **HSBC**| **36 months** definite| **3.09%**| Long, guaranteed deal **Vir...

surse: fool.com, forbes.com, moneyfactscompare.co.uk, moneysavingexpert.com, which.co.uk, yahoo.com

When looking for the top 0% purchase credit cards in the UK, several leading options offer long interest-free periods for spreading the cost of upfront purchases.[www.forbes.com](https://www.forbes.com/advisor/uk/credit-cards/best-0-purchase-credit-cards/#:~:text=At%20an%20assumed%20credit%20limit%20of%20%C2%A31%2C200%2C,0%25%20interest%20on%20balance%20transfers%20%283.49%25%20fee%29) Because credit card offers, el...

surse: clearscore.com, forbes.com, moneysavingexpert.com, tsb.co.uk