Credit Card Companies

Many credit card companies are still offering attractive 0% interest on balance transfers and are aggressively competing against one another on balance transfer fees; targeting individuals who are looking to reduce their monthly credit card interest charges and have a good credit rating.

A range of enticing interest free credit cards are still available with some of the best offering a low APR of 15.9% on new purchases and up to 56 days of interest free credit.

It is common for credit card providers to offer an introductory period of zero interest on purchases made, with the best deals being 0% for the first 3 to 6 months. In addition, some banks and finance companies offer an instant decision with a convenient online credit card application process which includes a credit history check to identify individuals which represent a bad credit risk.

When we compare credit cards many factors have to be taken into account such as whether the card will be paid off in full each month. Giving consideration to this, some of the best credit card deals are shown below in our comparison table. Card transfer fees, charges and applicable interest rates are all subject to change - so check with the credit card company prior to making an application:

Top Interest Free Credit Cards*

	The Barclaycard Platinum Card - Offers 24 month zero interest with a 2.8% fee when you transfer credit card balance from your existing credit card provider. The card benefits include Barclaycard Freedom which provides rewards for purchases at over 20,000 of the UK's leading retailers with 1% cash back on purchases made, redeemable at selected retailers.
	The Halifax Balance Transfer Credit Card - Specifically available for balance transfers of up to £3000 or less. It offers 20 months 0% interest with a 3% transfer fee. Benefits include discounts on dining, shopping and travel.
	MBNA Balance Transfer Credit Card - The MBNA card offers amongst the lowest credit card transfer fee of 2.5%. Restricted to applicants with a good credit rating, over 18 years of age. No reward programme is offered.

(*) Interest free credit applies to balance transfers for a limited period only. Terms and conditions are liable to change. Check with the provider for updates.

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