The new Chase Credit Card stands out in the UK market with a competitive 0% interest on purchases for up to 15 months. To benefit, you must make at least the minimum monthly repayments. The representative example indicates a 24.9% APR (variable) based on a £1,200 limit. There are no annual fees, and one major advantage is the absence of foreign exchange fees from Chase, making it ideal for both domestic and overseas spending.

How to Apply: Easy Steps

To apply, you need an active Chase current account, be at least 18 years old, and reside in the UK. Ensure you have not had bankruptcies, CCJs, or IVAs within the last six years. You’ll need to pass Chase’s creditworthiness and affordability assessments. Begin by checking your eligibility in the Chase app, which does not affect your credit score. If eligible, proceed directly to the application process within the app.

Key Benefits

Chase offers simple, instant card access as soon as you’re approved—no need to wait for the physical card. There are no hidden fees: no annual fees, no foreign transaction fees, and active fraud monitoring keeps your security tight. The eligibility check is simple and entirely risk-free for your credit score.

Drawbacks to Consider

Chase requires you to already hold a Chase current account, which might be a hurdle for some. Approval is also subject to strict eligibility checks and personal financial circumstances. The 0% interest promotional period ends after up to 15 months, after which the standard APR applies to all outstanding balances.

Our Verdict

The Chase Credit Card is a strong choice for those seeking interest-free spending, especially on big purchases or upcoming travel plans. The extra perks—like no foreign fees—make it even more attractive for holidaymakers. It’s not for everyone, especially those without a Chase account, but if you meet the criteria, it represents a compelling UK credit card offer.