0% purchases and £0 FX fees, no annual fee
0% Interest on Purchases (Up to 15 Months)
Spread the cost of new purchases for up to 15 months if you make minimum repayments.
£0 Foreign Transaction Fees on Purchases
Pay in the local currency abroad at Mastercard rates with no FX fee from the issuer.
No Annual Fee
Hold the card long term without paying monthly or annual charges.
Instant Use After Approval
Start spending right away with in-app card details and Apple Pay/Google Pay.
A simple, travel-friendly credit card that’s easy to live with — and easier to understand
Chase’s UK credit card is designed for everyday flexibility and uncomplicated travel spending. The headline feature is 0% interest on purchases for up to 15 months, provided you make at least the minimum payment each month; after the promotional window, a variable purchase rate applies based on your circumstances. Unlike many rivals, Chase also removes friction when you go abroad: there are no foreign transaction fees on purchases when you pay in the local currency, and the Mastercard exchange rate is used. There’s no annual fee, so you can keep the card on hand for big-ticket buys, holidays or as a backup without paying to hold it.
The representative APR is 24.9% (variable), with typical rates ranging within 24.9%–29.9% APR, based on an assumed £1,200 credit limit and subject to status and affordability checks. You can benefit from up to 56 days’ interest-free on purchases when you clear your statement in full and on time. The minimum payment is the greater of £5, or the total of that month’s interest and fees plus 2.5% of the remaining balance (rounded up). If you withdraw cash, Chase doesn’t charge a cash-advance fee, but interest accrues from the transaction date until repaid — so cash should be for emergencies only. Late payments incur a £12 fee, and there’s no over-limit fee.
There’s no balance-transfer or money-transfer facility on the Chase credit card, which helps keep the proposition clean: it’s for new spending rather than debt shifting. Section 75 protection applies to eligible purchases between £100 and £30,000, providing extra reassurance for online orders, travel bookings and large household items. Once approved, you can use your card instantly via the app (including Apple Pay or Google Pay), and you’ll manage everything in-app — from viewing statements to adjusting card controls for spending outside the UK. To apply, you must be 18+, UK-resident, a UK tax resident, free of CCJs/IVAs/bankruptcy in the last six years, and you must hold a Chase current account; in fact, payments to the credit card are made from your Chase current account. Eligibility checking in the app is a soft search that won’t affect your credit score.
Your next step: check you’re eligible and start using it today
If you’d like a single card for big purchases at home and fee-free spending on holiday, the Chase credit card stands out. The 0% purchase window (up to 15 months) helps you spread the cost of flights, appliances or home improvements — then, once paid off, you can keep the card for £0 per year and use it confidently abroad with no FX fees on purchases. The app-first experience means instant card details after approval, seamless Apple Pay/Google Pay, and granular controls for payments outside the UK. Because there’s no balance-transfer feature, you won’t use this card to juggle old debt — but for new spending with breathing space, it’s refreshingly straightforward. If you’re 18+, UK-resident and already bank with Chase, check your eligibility in the app without affecting your score; if you’re accepted, set up a Direct Debit from your Chase current account, pay more than the minimum whenever you can, and enjoy the blend of clarity at home and simplicity abroad that this card is built for.