The lowest, free interest credit cards

Are credit cards free in the United Kingdom?

It is impossible to say that banks or other financial companies in the UK issue free credit cards. However, you can find profitable offers on the market that do not include an annual commission. However, it is worth remembering that if there is no annual fee, there may be other costs and fees directly related to the use of the credit card.

Therefore, we offer a list of fees that may be charged in the process of issuing and using a credit card:

1. Interest. Banks may charge interest on the balance if the credit card holder does not pay the balance in full each month
2. Late payment fee. Credit card issuers may charge late fees if you miss a payment or pay late. Moreover, it can negatively affect the customer's credit history
3. Cash advance fees. Most credit cards have a fee for cash withdrawals, it is more profitable to pay with a credit card than to withdraw cash
4. Fees for foreign transactions. If you plan to use a credit card in another country, be prepared for foreign transaction fees as well
5. Fee for balance transfer. You may be charged a fee when transferring funds from a credit card to another debit or credit card. Most banks in such cases set a commission as a percentage of the transferred amount
6. Commissions for exceeding the limit. Each credit card has a certain credit limit. If you exceed this limit, you will have to pay a fee (penalties).
7. Interest rate after the end of the grace period. Having issued a credit card, you can take advantage of the preferential interest-free period. However, after the end of the grace period, a certain interest rate is provided

We remind you that on this page the site's analytics have been collected with the lowest or lowest percentage.

Who offers credit card with 0 interest in the UK?

Several banks and financial institutions in the UK offer credit cards with 0% interest introductory periods, which can be a great way to manage your finances, especially if you need to spread the cost of purchases or transfer existing balances.

Here are some of the key providers offering 0% interest credit cards in the UK: Barclaycard, MBNA, Sainsbury’s Bank, Santander, HSBC, Tesco Bank, Lloyds Bank, Virgin Money, NatWest, American Express.

As an alternative, you can also take out a personal loan. Your possible expenses:

Personal loan calculations for 1 year (example)

What is the lowest interest credit card?

The lowest interest credit cards in the UK are typically those designed for people who might not qualify for the best 0% introductory offers but need a card with a lower ongoing interest rate. These cards are useful for those who carry a balance and want to minimize the amount of interest paid.

Here are some of the credit cards with low interest rates available in the UK: Barclaycard Platinum Low Rate Credit Card, Halifax Low Rate Credit Card, NatWest Low Rate Credit Card.

See the similar FAQ about UK banks: 

• What is an HSBC APR rate for a credit card?
• What should I do if I have lost a bank card from Clydesdale Bank?
• What should I do if I lost my card in Bank of Ireland?
• What should a client do if he has received a suspicious fraud text message or scam email letter?
• Where do I find my HSBC application status?
• Where do I find the Lloyds bank card security code?
• Why a Lloyds bank card transaction can be declined?

Details of companies offering the financial services:

Amazon

Head office’s address: 1 Principal Place, Worship Street, London, EC2A 2FA

Web-site: https://www.amazon.co.uk/

AmEx Europe

Head office’s address: Belgrave House, 76 Buckingham Palace Rd

Web-site: https://www.americanexpress.com/en-gb/

Asda Financial

Head office’s address: Asda House Southbank, Great Wilson Street, Leeds, West Yorkshire

Web-site: https://www.asda.com/

Capital One

Head office’s address: 1 Old Street Yard, London EC1Y 8AF

Contact center: +44 344-481-2812

Web-site: https://www.capitalstackers.com/

Halifax

Head office’s address: The Mound, Edinburgh EH1 1YZ

Contact center: 0345-720-3040

Phone: +44 (011) 3242 19 84

Web-site: http://www.halifax.co.uk/

Stock code: HALP

HSBC Bank

Head office’s address: Unit 8, Canada Square, Retail, London E14 5AH

Phone: +44 345 740 4404

Web-site: https://www.hsbc.co.uk/

Swift code: HBUKGB4B

Reference number: 114216

Stock code: HSBA

ABN: 00014259

BSB: HBUK

Marbles

Head office’s address: 7 Handyside Street, London, N1C 4DA

Web-site: https://www.marbles.com

MBNA

Head office’s address: Cawley House, Chester Business Park, Chester CH4 9FB

Web-site: https://www.mbna.co.uk/

M&S Bank

Head office’s address: Chester Business Park, Chester CH4 9QB

Contact center: 0345-900-0900

Phone: +44 345 900 0900

Web-site: http://bank.marksandspencer.com/

NatWest Bank

Head office’s address: 250 Bishopsgate, London, EC2M 4AA

Contact center: 0800-88-11-77

Phone: +44 345 788 8444

Web-site: https://www.natwest.com/

Swift code: NWBKGB2

Reference number: 121878

Stock code: GBP1

ABN: 00929027

BSB: NWBK

Ocean Finance

Head office’s address: Marlowe House, Watling St, Hockliffe, Leighton Buzzard LU7 9LS

Phone: +44 333-123-0022

Web-site: https://www.oceanfinance.co.uk/

Pulse

Head office’s address: Dept 2309 43 Owston Road, Carcroft, Doncaster, England, DN6 8DA

Web-site: https://www.pulsecard.co.uk

Royal Bank of Scotland

Head office’s address: 36 St Andrew Square, Edinburgh, EH2 2YB

Contact center: 0345-600-2230

Phone: +44 (070) 3597-88-42

Web-site: https://www.rbs.co.uk/

Swift code: ROYCGB2LCLS

Stock code: NWG

ABN: BR000548

BSB: ROYC

Santander

Head office’s address: 2 Triton Square, Regent's Place, London, NW1 3AN

Contact center: 0800-389-7000

Web-site: http://www.santander.co.uk/

Swift code: ABBYGB3E

Reference number: 106054

ABN: 02294747

BSB: ABBY

Tesco Bank

Head office’s address: 2 S Gyle Cres, Edinburgh EH12 9FQ

Contact center: 0800-591-688

Phone: +44 131 203 5000

Web-site: http://www.tescobank.com

Swift code: TPFGGB2L

Reference number: 186022

Stock code: TSCO

ABN: SC173199

BSB: TPFG

Ulster Bank

Head office’s address: Block B Central Park, Carmanhall And Leopardstown, Dublin, D18 N153

Phone: +44 (012) 6850 08 13

Web-site: http://digital.ulsterbank.co.uk/

Reference number: 122315

Stock code: Bk. 11.75 (FAP)

ABN: R0000733

Vanquis Bank

Head office’s address: 1 Godwin Street, Bradford, West Yorkshire BD1 2SU

Contact center: 0330-099-3000

Phone: +44 191 505 0033

Web-site: https://www.vanquis.co.uk

Swift code: VQISGB21

Reference number: 221156

Stock code: 609594

ABN: 02558509

BSB: VQIS