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The best offers and promotions for credit cards from 0% interest through to introductory bonuses.

Used responsibly, credit cards can help you earn money on purchases, give you stronger consumer protections, make holidays cheaper, help you clear debts or spread the cost of a big purchase. 

Everyone’s situation will be different, so these are just the best cards out there – you might have to settle for a shorter deal or lower rate of cashback.

This list is updated at least every month – check the published date to see when this last happened.

You can also watch my latest video roundup or listen as you read

View it on YouTube

Credit card rules

Why eligibility is more important than offers

I’m sharing here the cards which I think offer the best deals – the market-leading ones. But there’s no guarantee you’ll get accepted for these top cards so always do an eligibility check beforehand. Here’s more on why this is important and how these work.

I recommend going via Money Saving Expert’s own eligibility calculator as the results won’t be distorted by which companies pay them. You also have the advantage of seeing other options.

You can also check directly with the card providers (and some make you do this before applying) but you miss out on seeing your chances for success with other companies if you skip the comparison site.

Why I’ve not listed interest rates

You’ll notice I don’t mention interest rates at all below. And the big reason is I don’t want you to get a credit card if you are going to get charged interest.

That means clearing the balance in full every month, or in the case of 0% interest cards, clearing the balance before that special offer ends.

If you think that you will have to pay interest some or most months then very simply you need to look for the lowest rate you can and ignore things like cashback.

The key rules with credit cards

One: Pay at least the minimum balance every month so you don’t get hit with extra charges or lose offers like 0% interest. A direct debit will make sure you don’t forget.

Two: Ideally pay the full amount each month to avoid interest. If you can’t clear it all then as much as you can afford minimises the interest you’ll be charged.

Three: Don’t spend what you can’t afford. Credit cards have uses, but they’re not an excuse to spend what you don’t have. Cashback cards, in particular, are pointless if you get charged interest.

Four: You often can’t transfer between credit cards with the same bank.

Best 0% Balance Transfer card deals

Before you get a 0% balance transfer card make sure you read my guide to how to properly use them to reduce the cost of debts.

Up to 29 months interest-free with a transfer fee

Right now the longest 0% balance transfer deal is for 29 months with fees of just under 3%.

It’s with TSB’s Platinum Balance Transfer and comes with a fee of 2.95%. If you don’t get the full 29 months, you’ll get either 26 or 23 months. But there’s no eligibility checker for this card.

For a guaranteed 28 months, then you could try M&S Bank. You’re looking at a 2.85% fee with that.

First Direct customers can get 27 months but pay on 2.29% on the transfer.

18 months interest-free with no fee

Santander will give any successful applicant for its Everyday credit card 18 months at 0% interest with no fee to move the money over.

Best 0% Purchase card deals

20 months interest-free

At both M&S Bank and TSB, you can get 0% interest on your purchases for 20 months – though TSB might offer you less. You’ll also get a £5 voucher with the M&S card.

Sainsbury’s Bank has the same deal if you have a Nectar card, and is worth looking at if you do your shopping at Sainsbury’s as there are 750 bonus points each time you spend £35 or more in the first two month (so that’s up to £37.50 worth). BUT it’s not for the self-employed, and you might only get 16 or 12 months.

Best 0% Money Transfer card deals

18 months interest-free with a transfer fee

MBNA is offering up to 18 months with a 2.99% or 3.49% fee.

You can read more about Money Transfer cards in my guide.

Best cashback & reward credit card deals

I’ve got a full guide to cashback and reward credit cards, but here are the top picks

Bonus 5% introductory offer and up to 1.25% cashback for big spenders

The American Express Platinum Cashback credit card offers 1% on the first £10,000 you spend and then increases your rate to 1.25%.

It comes with a £25 annual fee though you can cancel that out by going via a cashback site.

There’s also a 5% bonus for the first three months up to £125. This is capped at £125 and includes the standard 1% rate. You can’t have had an Amex in your name in the last two years to get this welcome bonus.

If you don’t think you’ll get to £10,000 in a year then the American Express Platinum Everyday card offers 0.5% on the first £5,000 spend, and then 1% afterwards. There’s no fee with this one.

Here’s my comparison of the two options.

There’s also a 5% bonus for new customers that’s capped at £100. Same conditions as above.

Non-American Express with 0.25%

Not everywhere takes American Express so if you want to earn money on your other spending then you’ve got limited choices.

The best for now is the John Lewis & Partners card which since 4th September offers 0.25% on most shopping, but increases to 1.25% for John Lewis/Waitrose spends.

Or there’s the Amazon Platinum card. This also gives 0.25%, except at Amazon where you get 1.5% back in vouchers. And there’s usually a £10 gift card when you get accepted, but that’s been boosted to £20, and £30 for Prime members (this could be a temporary bonus to coincide with Prime Day).

Best travel credit cards

Here’s more on the best cards to use overseas – including debit cards.

Fee-free spending, withdraws and 0.25% cashback

The Barclaycard Rewards credit card is a good all-rounder to use abroad as there are no charges – not even interest on cash withdrawals. You’ll also earn some cashback!

Best credit building credit card

If you’ve got a poor credit rating then spending on a credit card and then clearing the debt completely each month can help boost your score.

Free £10 voucher with card

The Amazon Classic credit card works like other credit building cards but also comes with a £10 Amazon voucher. There’s also three months 0% interest on purchases.


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