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Compare 0% Purchase Credit Cards

Compare 0% credit cards

Purchase credit cards typically offer 0% on purchases for a fixed period of time. Find a 0% purchase credit card deal that suits your needs from leading UK banks and financial providers and apply online.

Our Expert choice:Barclaycard Platinum With BT

Our Expert Choice Credit Card

0% interest on balance transfers for 33 months from account opening (2.99% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.99% by a refund.

  • 0% interest on purchases for 6 months from account opening.
  • 18.9% APR Representative Variable.

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Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Tesco Bank
0.0% 3 Months 2.9% 0.0% 19 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 16.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Purchase)

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Santander
0.0% 9 Months 3.0% 0.0% 18 Months 18.9%Variable
0% for 18 months on purchases. 0% for 9 months on balance transfers from date of account opening (3% fee applies, minimum £5). No annual fee. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Purchase Credit Card

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Santander
0.0% 1 Months 3.0% 0.0% 18 Months 16.5%Variable

Get cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all petrol stations and on National Rail and Transport for London travel (on combined spend of up to £300 a month). Terms & Conditions apply. 0% for 18 months on purchases from account opening. 16.5% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open a new Santander 123 Current Account, Santander will refund the first year's £24 annual fee on your 123 Credit Card. Offer valid until 31/12/2014. Contactless payments on items below £20. Subject to status. 

Representative Example: If you borrow £1200 at a purchase rate of 12.7% p.a.(variable), with an £24 annual fee, you will pay 16.5% APR Representative (variable).

Santander | 123 Credit Card

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Halifax
0.0% 19 Months 2.0% 0.0% 16 Months 18.9%Variable
0% for 19 months on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable), or 25.9% APR (variable). 2% fee applies on each balance transfer made in the first 90 days. 3% fee applies for each balance transfer made after the first 90 days. 0% for the first 16 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (19 Mths)

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Lloyds Bank
0.0% 18 Months 2.0% 0.0% 16 Months 18.9%Variable
Saving - 0% interest for up to the first 18 months on balances transferred within the first 90 days after your account is opened. Balance transfer fee of 2.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. Shopping – 0% interest on purchases for the first 16 months after your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (18 Mths)

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Bank of Scotland
0.0% 18 Months 2.0% 0.0% 16 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 2% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% for 18 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 2% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 16 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (18 Mths)

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Sainsburys Bank
0.0% 16 Months 3.0% 0.0% 16 Months 16.9%Variable

Sainsbury's Nectar Purchase Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card or use it online. 0% interest on balance transfers for the first 16 months from account opening (3% balance transfer fee applies). 0% on purchases for the first 16 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.

Representative Example: If you borrow £1200 at a purchase rate of 16.94% p.a.(variable), you will pay 16.9% APR Representative (variable).

Sainsburys Bank | Nectar Credit Card

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Halifax
0.0% 15 Months 0.8% 0.0% 15 Months 17.9%Variable
This Halifax Credit Card has a low 0.8% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 15 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 0% for the first 15 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Halifax | All in One Card Credit Card

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Nationwide Building Society
N/A N/A N/A 0.0% 15 Months 17.9%Variable
Nationwide Credit Card - 0% on purchases for 15 months. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Purchases)

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Barclaycard
0.0% 19 Months 2.49% 0.0% 14 Months 18.9%Variable
0% interest for 14 months on purchases and 0% for 19 months on balance transfers. A fee of 2.9% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum Purchase

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Avios
0.0% 13 Months 3.0% 0.0% 13 Months 50.8%Variable
A new exclusive Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Premier Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher with annual spend of £5,000. Worldwide Companion Ticket with annual spend of £12,000. 0% on balance transfers and purchases for 13 months (balances transferred within the first 90 days, 3% fee applies). Double Avios for 6 months with your American Express® Card. Collect 1.5 Avios per £1 spent on the Lloyds Bank Premier Avios Rewards American Express® Card. Collect  1.5 Avios per £5 spent on the Lloyds Bank Premier Avios Rewards MasterCard®. Annual account fee of £140.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £140 annual fee, you will pay 50.8% APR Representative (variable).

Avios | Lloyds Bank Premier Avios Rewards (MCard)

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Lloyds Bank
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
Get a choice of rewards for your everyday spend. 0% interest for the first 13 months on purchases and on balances transferred within the first 90 days (3% fee applies). Collect 10 Choice points for every £1 of eligible spend on the Choice Rewards American Express®. Whether it’s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you’ll get to choose the reward you want, when you want. Get there quicker – with double Choice points on eligible spend¹ for the first 6 months on your American Express Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

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Avios
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
A brand new Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher when your spend reaches £7,000 in a year. 0% on balance transfers and purchases for 13 months (balances transferred within the first 90 days, 3% fee applies). Collect 1.25 Avios per £1 spent on the Lloyds Bank Avios Rewards American Express® Card. Collect 1.25 Avios per £5 spent on the Lloyds Bank Avios Rewards MasterCard®. Collect double Avios on eligible spend for the first 6 months on the Avios Rewards American Express® Card. Double Avios for 6 months with your American Express® Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

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Bank of Scotland
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable
Exclusively available online: our longest balance transfer offer, with a 1% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 13 months on purchases. 0% up to the first 13 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 23.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Purchase Card

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TSB
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable
0% on purchases for the first 13 months. 0% interest for the first 13 months on balances transferred within the first 90 days (1% fee, this will increase to 3% after 90 days from account opening). Representative 17.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Platinum Purchase Card

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Lloyds Bank
0.0% 13 Months 1.0% 0.0% 13 Months 17.9%Variable

A great introductory offer on purchases and balance transfers. Good for: Shopping – 0% interest on purchases for the first 13 months. Saving - 0% interest for the first 13 months on balances transferred in the first 90 days. Low standard balance transfer fee of 1% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.

Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Lloyds Bank | Platinum Purchase Card

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Sainsburys Bank
0.0% 12 Months 0.5% 0.0% 12 Months 18.9%Variable
Sainsbury's Nectar Low Balance Transfer Fee Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Plus, you'll get 0% on purchases and balance transfers for 12 months from account opening. 0.5% balance transfer fee (minimum £3) during the first 3 months from account opening, then 3% onwards. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel (plus 1 point per litre when you also swipe your Nectar card). One Nectar point for every £5 spent on your card elsewhere. 
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Low BT Fee Credit Card

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Tesco Bank
0.0% 10 Months 0.0% 0.0% 10 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card with No BT Fee

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Halifax
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
0% for 10 months on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable), or 25.9% APR (variable). 0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 10 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (10 Mths)

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Bank of Scotland
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
Our lowest balance transfer fee - we'll refund 2.6% of the initial 3% fee, so the effective fee is 0.4%. Applies to balance transfers in the first 90 days from account opening. Offer exclusively available online only. 0% for 10 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). 0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 10 months from account opening on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (10 Mths)

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Lloyds Bank
0.0% 10 Months 0.4% 0.0% 10 Months 18.9%Variable
Saving - 0% interest for up to the first 10 months on balances transferred within the first 90 days after your account is opened.0.4% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. Shopping – 0% interest on purchases for the first 10 months after your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (10 Mths)

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AA
0.0% 12 Months 3.0% 0.0% 10 Months 16.9%Variable
0% for 12 months from the date your account is opened, on balance transfers made in the first 90 days (3% fee). 0% for 10 months on all card purchases from the date your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

AA | Rewards Credit Card

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Barclaycard
0.0% 33 Months 2.89% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 33 months from account opening (2.89% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.89% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (33 Mths)

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Barclaycard
0.0% 32 Months 2.64% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 32 months from account opening (2.64% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.64% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Barclaycard Platinum With BT (32 Mths)

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Halifax
0.0% 32 Months 2.65% 0.0% 6 Months 18.9%Variable

0% for up to 32 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 32 or 29 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months and a representative rate of 25.9% APR (variable). 2.7% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.3% within 90 days, so the effective fee is 2.7%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 6 months from account opening on purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (32 Mths)

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Lloyds Bank
0.0% 32 Months 2.8% 0.0% 6 Months 18.9%Variable
Saving - 0% interest for up to the first 32 months on balances transferred within the first 90 days after your account is opened. 2.8% effective fee applies on each balance transfer made in the first 90 days. An initial 3.5% fee applies; we'll then refund 0.7% within 90 days, so the effective fee is 2.8%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. Shopping – 0% interest on purchases for the first 6 months after your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (32 Mths)

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Bank of Scotland
0.0% 32 Months 2.8% 0.0% 6 Months 18.9%Variable
0% for up to 32 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 29 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months and a representative rate of 25.9% APR (variable). 2.8% effective fee applies on each balance transfer made in the first 90 days. An initial 3.5% fee applies; we'll then refund 0.7% within 90 days, so the effective fee is 2.8%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for the first 6 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (32 Mths)

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Sainsburys Bank
0.0% 31 Months 2.89% 0.0% 6 Months 18.9%Variable
Sainsbury's Nectar Balance Transfer Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card. 0% balance transfers for the first 31 months from account opening. (2.89% fee applies for transfers in the first 3 months from opening then 3% afterwards). 0% on purchases for the first 6 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Balance Transfer Credit Card

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Halifax
0.0% 30 Months 2.5% 0.0% 6 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 2.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% for up to 30 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 30 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 30 or 27 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 24 months and a representative rate of 25.9% APR (variable). 2.5% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for the first 6 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (30 Mths) - Semi Excl

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Barclaycard
0.0% 25 Months 1.5% 0.0% 6 Months 18.9%Variable
0% interest on balance transfers for 25 months from account opening (1.50% fee applies). A fee of 2% will be applied, then reduced to 1.50% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (25 Mths)

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TSB
4.9% 12 Months 3.0% 0.0% 6 Months 11.9%Variable
0% interest on purchases for the first 6 months. 4.9% p.a. interest for the first 12 months on balances transferred within the first 90 days (3% fee applies). Representative 11.9% APR (variable), interest charged from the date of the transaction.
Representative Example: If you borrow £1200 at a purchase rate of 11.95% p.a.(variable), you will pay 11.9% APR Representative (variable).

TSB | Advance Credit Card

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Lloyds Bank
4.9% 12 Months 3.0% 0.0% 6 Months 11.9%Variable
Your perfect shopping partner. Good for: Shopping - 0% for the first 6 months on purchases, Saving - 4.9% p.a. for the first 12 months on balances transferred in the first 90 days (with a 3% fee on each individual balance transfer). New Lloyds Bank credit card customers only. Spreading purchase costs with our lowest available APR.
Representative Example: If you borrow £1200 at a purchase rate of 11.95% p.a.(variable), you will pay 11.9% APR Representative (variable).

Lloyds Bank | Advance Credit Card

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Capital One
N/A N/A N/A 0.0% Dec 14 until 34.9%Variable
Build your credit with our low limit, easy-to-manage credit card. Great for people who want to build or rebuild their credit history. 0% on purchases until December 2014. Credit limit from £200 to £1,500. Credit limit reviewed regularly with up to two optional credit limit increases per year. Register for email alerts to help you stay in control.
Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).

Capital One | Classic Purchase Card

Barclaycard
N/A N/A N/A 0.0% 3 Months 34.9%Variable

Can help to build your credit rating. Suitable if your financial situation has been improving. You must be over 18 years of age, earn over £3,000 a year and not be unemployed. You must not have been made bankrupt in the last six years – including having an Individual Voluntary Arrangement or Debt Relief Order. You must not have more than one County Court Judgement or recently missed a bill payment. Manageable credit limits from £250 - £1,000. Great for: being able to reduce your interest rate by always paying on time and staying within your credit limit. 0% interest on purchases for 3 months from account opening. Barclaycard have made improvements their product/offering and as a result are now accepting more people than ever before onto Barclaycard Initial.

Representative Example: If you borrow £1200 at a purchase rate of 34.9% p.a.(variable), you will pay 34.9% APR Representative (variable).

Barclaycard | Initial Credit Card

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Barclaycard
0.0% 18 Months 2.9% 0.0% 3 Months 27.9%Variable
0% interest on balance transfers for 18 months from account opening (2.9% handling fee applies). 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 27.9% p.a.(variable), you will pay 27.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (18 Mths)

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Tesco Bank
0.0% 32 Months 2.9% 0.0% 3 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Balance Transfer)

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Santander
0.0% 29 Months 3.0% 0.0% 3 Months 18.9%Variable
0% for 29 months on balance transfers. 3% balance transfer fee applies (minimum £5). 0% for 3 months on purchases. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Long Term Balance Transfer Credit Card

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AA
0.0% 28 Months 2.9% 0.0% 3 Months 18.9%Variable
0% for up to 28 months from the date your account is opened on balance transfers made in the first 60 days, with a handling fee of just 2.9%, minimum of £3. 0% on all card spending for up to 3 months from the date your account is opened. Money transfers are available at 0% for up to 28 months from the date your account is opened and made within the first 60 days (4% fee, minimum of £3).
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

AA | Balance Transfer Credit Card

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TSB
0.0% 28 Months 3.0% 0.0% 3 Months 18.9%Variable
0% interest for up to 28 months on balances transferred within the first 90 days (3% fee). 0% on purchases for the first 3 months. Representative 18.9% APR (variable). 
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (28 Mths)

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Halifax
0.0% 24 Months 1.5% 0.0% 3 Months 18.9%Variable
Exclusively available online: a balance transfer offer, with a 1.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 24 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 24 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 21 or 18 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 15 months and a representative rate of 25.9% APR (variable). 0% for the first 3 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Halifax | Balance Transfer Credit Card (24 Mths) - Semi Excl

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Santander
0.0% 17 Months 0.9% 0.0% 3 Months 18.9%Variable
0% for 17 months on balance transfers. 0.9% balance transfer fee applies (minimum £5). 0% for 3 months on purchases. Subject to status. You will receive the exact rate and offer advertised if your application is accepted.
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Santander | Low Balance Transfer Fee Credit Card

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Nationwide Building Society
0.0% 26 Months 2.4% 0.0% 3 Months 17.9%Variable
Nationwide Credit Card - 0% on balance transfers for 26 months (2.4% balance transfer fee applies, minimum £5.00), plus 0% on purchases for 3 months. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Balance Transfer)

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Lloyds Bank
0.0% 24 Months 1.5% 0.0% 3 Months 17.9%Variable
Saving - 0% interest for up to the first 24 months on balances transferred within the first 90 days. Low standard balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. Shopping – 0% interest on purchases for the first 3 months. Easy spending – accepted worldwide.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Lloyds Bank | Platinum Balance Transfer Card (24 Mths) - Excl

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Bank of Scotland
0.0% 24 Months 1.5% 0.0% 3 Months 17.9%Variable
Exclusively available online: a balance transfer offer, with a 1.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days). 0% up to the first 24 months on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 24 months and a representative rate of 17.9% APR (variable). Others will get 0% on balance transfers for the first 21 and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 18 months and a representative rate of 25.9% APR (variable). 0% for the first 3 months on purchases.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Scotland | Platinum Balance Transfer Card (24 Mths) - Semi Ex

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Nationwide Building Society
0.0% 15 Months 0.65% 0.0% 3 Months 17.9%Variable
0.65% balance transfer fee (minimum £5). Balance transfer fee of 0.65% applies for the first 3 months of account opening, after which time it will revert to 2.4%. 0% on balance transfers for 15 months. 0% on purchases for 3 months. Spread the cost of purchases at 0%.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Low Fee Balance Transfer)

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TSB
0.0% 15 Months 0.8% 0.0% 3 Months 17.9%Variable
0% interest for up to 15 months on balances transferred within the first 90 days (0.8% fee, this will increase to 3% after 90 days from account opening). 0% on purchases for the first 3 months. Representative 17.9% APR (variable). 
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Platinum Balance Transfer Card - (15 Mths)

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Post Office Ltd
0.0% 18 Months 2.98% 0.0% 3 Months 17.8%Variable
Post Office® Credit Card. The credit card for everyday use home and abroad. 17.8% APR Representative (variable). The Post Office Credit Card offers you a range of benefits whether you use it at home or abroad. 17.8% APR Representative (variable).
Representative Example: If you borrow £1200 at a purchase rate of 17.8% p.a.(variable), you will pay 17.8% APR Representative (variable).

Post Office Ltd | Platinum Card

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MoneyExpert Ltd is a Credit Intermediary and receives commission payments for all credit cards referrals made on our website. This does not apply to Tesco Bank, NatWest and Royal Bank of Scotland. The rates displayed in this table are updated on a daily basis.

How a 0% balance transfer card works

These cards have 0% interest on new purchases for an introductory period for 12 months or more. This will enable you to make large purchases on items such as a car or new television and then pay off the credit over the course of a year without paying interest on those purchases. This makes a 0% transfer credit card the best choice for you if you are planning on using the card frequently for shopping. These cards essentially allow you to borrow for free as long as you pay off the debt before the interest free period ends, making them one of the most cost effective ways to borrow money.

Your purchases are protected

When purchasing goods using a purchase credit card you are protected from instances where goods are faulty, are not delivered and when services are not provided. This is because when you make a purchase using the card, the retailer and the supplier of the goods in question are responsible for providing the goods as described.

What to be careful of

Keep in mind that the 0% interest rate may not be synchronised with your normal repayment date and therefore you may end up making an interest payment on the final month of the 0% interest deal. The interest rates on purchase cards can be as high as 18% after the introductory period has ended, so it is important to avoid letting the introductory period expire while you still have debt on your purchase card. Also it is recommended that you set up a direct debit to make managing the repayment of your credit card debt easier and to make sure that you do not miss the minimum payments and incur a penalty for doing so. You may receive penalty charges for missing payments, being late on payments or by going over your spending limit, so this is something to be careful of.

Is a 0% purchase credit card for me?

A purchase credit card is ideal for you if you plan on making a lot of purchases, especially purchases that have a high ticket price. However you must be confident that you are going to be able to pay off your credit payments each month in order to avoid paying interest before the 0% period ends. If however you feel that you are unlikely to be able to pay the full amount within one year then you are better off just paying for a low interest credit card.

Other options

In the event that you are unable to pay off your full debt before the end of the 12 month zero interest introductory period, then there are other options. Before the 12 month period is up you can transfer your debt off of the purchase card onto a 0% interest transfer card. The transfer credit card will allow you to pay no interest on the transferred debt for up to 12 months. However the transfer card will not have the advantage of 0% interest on new purchases.

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