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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.

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Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Post Office Money
0.0% 16
Months
2.98% 0.0% 27
Months
18.9% APR
Representative variable

For everyday purchases and balance transfers. 0% on purchases for the first 27 months. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 16 months. 0% on balance transfers for 16 months. Balance transfers must be made within the first 3 months. 2.98% fee on balance transfers. No annual fee. Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. 

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

Post Office Money | Matched Card

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Sainsburys Bank
0.0% 18
Months
3.0% 0.0% 25
Months
18.9% APR
Representative variable
If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on purchases for your first 25 months. Pay 0% interest on balance transfers for your first 18 months (3% balance transfer fee applies. Minimum £3). Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere. No cash advance fee on Sainsbury's Travel Money purchases. No annual fee.
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 Purchase Credit Card

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AA
0.0% 24
Months
2.98% 0.0% 24
Months
19.9% APR
Representative variable
0% for 24 months on balance transfers made in the first 3 months. A 2.98% fee applies to balance transfers. 0% on all purchases for 24 months from the date your account is opened. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 20 months. 40% discount AA European Breakdown cover, on trips of 3 days or more if you book before 1 April 2016. Contactless Payments. Instant Decision. No Annual Fee. Additional card security when you shop online with MasterCard® SecureCode™. 40% discount on AA European Breakdown Cover.
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

AA | Dual Credit Card

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0.0% 24
Months
2.49% 0.0% 24
Months
17.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Bank of Ireland (NI) | Matched Credit Card

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Santander
0.0% 23
Months
0.0% 0.0% 23
Months
18.4% APR
Representative variable

Earn cashback on your everyday spending: 1% cashback at all major supermarkets (on spend of up to £300 per month). 2% cashback at all major departments stores (on spend of up to £150 per month), 3% cashback at all major petrol stations and on National Rail and Transport for London travel, including Santander Cycles (on combined spend of up to £100 a month). Terms & Conditions apply. 0% for 23 months on balance transfers & purchases from account opening. 18.4% APR Representative (Variable).  No foreign exchange fees. Use your 1I2I3 Credit Card abroad until 31 December 2016 and you won’t be charged any foreign exchange fees when paying in the local currency. A monthly fee of £3 applies If you already have, or if you open any of Santander's 1I2I3 Current Accounts, Santander will refund the first 6 months' fees on your 1I2I3 Credit Card. Contactless payments on items below £30. Subject to status. Apple pay - Pay with your iPhone, iPad or Apple Watch. In addition to the standard cashback, earn 3% bonus cashback on 1|2|3 Credit Card purchases made using Apple Pay (on spend of up to £100 per month). Offer ends 29 February 2016.

Representative Example: If you borrow £1200 at a purchase rate of 12.7% p.a.(variable), with an £36 annual fee, you will pay 18.4% APR Representative (variable).

Santander | 123 Credit Card

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Halifax
0.0% 21
Months
2.5% 0.0% 21
Months
18.9% APR
Representative variable
0% for up to the first 21 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 2.5% 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 up to 21 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of 21.9% APR (variable), or 25.9% APR (variable).
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 (21 Mths)

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Bank of Scotland
0.0% 21
Months
2.5% 0.0% 21
Months
18.9% APR
Representative variable

0% for up to the first 21 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 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of either 21.9% APR (variable), or 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 21 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of either 21.9% APR (variable) or 25.9% APR (variable).

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 (21/21 Mths)

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Lloyds Bank
0.0% 21
Months
2.5% 0.0% 21
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get 21 months 0% interest on balance transfers made within 90 days of opening your account. 2.5% balance transfer fee. You’ll also pay only a 2.5% fee on balances transferred during these 90 days, instead of the standard 3% fee. 0% interest on purchases. For 21 months after opening your account, get 0% on purchases.
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 (21/21 Mths)

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Sainsburys Bank
0.0% 21
Months
3.0% 0.0% 21
Months
18.9% APR
Representative variable
If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on Balance Transfers for the first 21 months. 3% fee on Balance Transfers (£3 min). 0% for 21 months on Purchases. 18.9% APR Representative Variable. No annual fee. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere. 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 Dual Offer Credit Card

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0.0% 3
Months
2.9% 0.0% 21
Months
18.9% APR
Representative 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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Barclaycard
0.0% 20
Months
1.49% 0.0% 20
Months
18.9% APR
Representative variable
0% interest on purchases for 20 months and 0% interest for 20 months on balance transfers (1.49% transfer fee applies). A fee of 3% will be applied, then reduced to 1.49% 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 With Balance Transfer (20 Mths)

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0.0% 20
Months
1.5% 0.0% 20
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

MBNA Europe | Al Round Credit Card

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TSB
0.0% 20
Months
2.95% 0.0% 20
Months
18.9% APR
Representative variable
0% interest for the first 20 months on balance transfers within the first 90 days. A Balance Transfer fee of 2.95% applies. 0% on purchases for 20 months. Subject to lending criteria and status. Minimum £100 balance transfer.
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 Purchase Card

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0.0% 15
Months
2.9% 0.0% 19
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

M&S Bank | Credit Card Ex/C

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Santander
0.0% 15
Months
0.0% 0.0% 15
Months
18.9% APR
Representative variable
0% for 15 months on balance transfers and purchases from the date of account opening. No balance transfer fee during the introductory period. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch.
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 | Credit Card

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Avios
0.0% 30
Months
3.0% 0.0% 12
Months
52.1% APR
Representative 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 for 28 months and purchases for 12 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 18.94% p.a.(variable), with an £140 annual fee, you will pay 52.1% APR Representative (variable).

Avios | Lloyds Bank Premier Avios Rewards (MCard)

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Lloyds Bank
0.0% 30
Months
3.0% 0.0% 12
Months
23.7% APR
Representative variable
With two cards and one account, shopping has never been so rewarding. Choice rewards – Collect Choice points every time you shop, and redeem them for shopping vouchers at Amazon, Boots, Debenhams and other retailers, for cashback, travel rewards through Avios, and more. Double Choice points – Apply now and collect double points for the first 6 months when using your Lloyds Bank Choice Rewards American Express® card, up to a maximum spend of £2,500 per month. Rewards Terms and Conditions apply. 0% interest on purchases – For 12 months after opening your account, get 0% interest on purchases made when you stay within your credit limit and make your monthly payments on time. 0% interest on balance transfers – For 28 months after opening your account, get 0% interest on balance transfers made in the first 90 days (a minimum transfer of £100 and a 3% balance transfer fee applies).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

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Avios
0.0% 30
Months
3.0% 0.0% 12
Months
23.7% APR
Representative 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 for 28 months and purchases for 12 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. Annual account fee of £24.
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), with an £24 annual fee, you will pay 23.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

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Halifax
0.0% 30
Months
1.0% 0.0% 12
Months
18.9% APR
Representative variable

An unmissable offer: our best deal combining an introductory offer on balance transfers and purchases, plus a low balance transfer fee. 0% for 30 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 rate of either 21.9% APR (variable) or 25.9% APR (variable). 1% 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 12 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 (30 Mths)

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Bank of Scotland
0.0% 30
Months
1.0% 0.0% 12
Months
18.9% APR
Representative variable

An unmissable offer: our best deal combining an introductory offer on balance transfers and purchases, plus a low balance transfer fee. 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 a representative rate of 18.9% APR (variable). Others will get a rate of 21.9% APR (variable) or 25.9% APR (variable). 1% 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 12 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 (30 Mths)

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Lloyds Bank
0.0% 30
Months
1.0% 0.0% 12
Months
18.9% APR
Representative variable

0% interest on balance transfers. Get 30 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 12 months after opening your account, get 0% interest on purchases made. 1% balance transfer fee. You'll also pay only a 1% fee on balances transferred during these 90 days, instead of the standard 3% fee.

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 (30 Mths)

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0.0% 12
Months
0.0% 0.0% 12
Months
18.9% APR
Representative 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 - Semi Excl

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Nationwide Building Society
0.0% 12
Months
0.0% 0.0% 12
Months
17.9% APR
Representative variable
0% on balance transfers for 12 months. Balance Transfers must be completed within 3 months of account opening. No balance transfer fee. 0% on purchases for 12 months. Earn commission-free purchases abroad. A great range of savings on big brands with our Simply Rewards Scheme. Simply use your Nationwide debit or credit card to take advantage of the offers. Fraud guarantee gives you 24/7 account monitoring and the latest card protection technology. Manage your account online.
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

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Nationwide Building Society
0.0% 12
Months
0.0% 0.0% 12
Months
15.9% APR
Representative variable
0% on balance transfers for 12 months. Balance transfers must be completed within 3 months of account opening. No balance transfer fee. 0% on purchases for 12 months. 0.5% unlimited cashback on all sterling purchases. Fraud Protection Guarantee. Simply Rewards. Unlimited commission-free purchases abroad
Representative Example: If you borrow £1200 at a purchase rate of 15.9% p.a.(variable), you will pay 15.9% APR Representative (variable).

Nationwide Building Society | Select Credit Card Ex/C

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0.0% 12
Months
3.0% 0.0% 6
Months
23.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 23.9% p.a.(variable), you will pay 23.9% APR Representative (variable).

MBNA Europe | Credit Card

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Halifax
0.0% 40
Months
2.95% 0.0% 6
Months
18.9% APR
Representative variable

Balance Transfer offer - exclusively available online only. 0% for up to 40 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 40 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 40 months and a rate of 21.9% APR (variable), or 0% on balance transfers for the first 20 months and a rate of either 25.9% APR (variable) or 27.9% APR (variable). 2.95% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.05% within 90 days, so the effective fee is 2.45%. 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 (40 Mths)

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Barclaycard
0.0% 37
Months
2.54% 0.0% 6
Months
18.9% APR
Representative variable
 0% interest on balance transfers for 37 months from account opening (2.54% % handling fee applies). A fee of 3.5% will be applied, then reduced to 2.54% 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 (37 Mths) Semi Excl

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Lloyds Bank
0.0% 37
Months
2.65% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 37 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 6 months after opening your account, get 0% interest on purchases made. Worldwide use. Accepted in over 36 million MasterCard locations worldwide.
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 (37 Mths)

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Bank of Scotland
0.0% 37
Months
2.65% 0.0% 6
Months
18.9% APR
Representative variable

0% for up to 37 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 37 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 37 months 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). 2.65% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 0.35% within 90 days, so the effective fee is 2.65%. 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 (37 Mths)

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Barclaycard
0.0% 36
Months
2.39% 0.0% 6
Months
18.9% APR
Representative variable
 0% interest on balance transfers for 36 months from account opening (2.39% fee applies). A fee of 3.5% will be applied, then reduced to 2.39% 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 (36 Mths) Semi Excl

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Barclaycard
0.0% 32
Months
1.08% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 32 months from account opening (1.08% fee applies). A fee of 3.5% will be applied, then reduced to 1.08% 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 (32 Mths)

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0.0% 32
Months
1.14% 0.0% 6
Months
18.9% APR
Representative variable
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
1.14% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 32 months 0% interest on balance transfers made within 90 days of opening your account. 1.39% balance transfer fee. An initial 3% fee applies; we'll then refund 1.61% within 90 days, so the effective fee is 1.39%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies. 0% interest on purchases. For 6 months after opening your account, get 0% on purchases made.
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
1.14% 0.0% 6
Months
18.9% APR
Representative variable
A great credit card for balance transfers, plus a low balance transfer fee – available exclusively online. 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 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% for 32 or 26 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 1.39% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 1.61% within 90 days, so the effective fee is 1.39%. 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).

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

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Sainsburys Bank
0.0% 30
Months
1.5% 0.0% 6
Months
18.9% APR
Representative variable
1.5% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3). If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on Balance Transfers for the first 30 months. Pay 0% interest on purchases for the first 6 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit 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 Balance Transfer Fee Credit Card

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Barclaycard
0.0% 28
Months
0.9% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 28 months from account opening (0.90% fee applies). A fee of 3.5% will be applied, then reduced to 0.90% 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 (28 Mths)

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Barclaycard
0.0% 26
Months
0.68% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 26 months from account opening (0.68% fee applies). A fee of 3.5% will be applied, then reduced to 0.68% 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 (26 Mths)

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0.0% 24
Months
0.7% 0.0% 6
Months
18.9% APR
Representative variable
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 (24 Mths) -Barclays

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Halifax
0.0% 23
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 23 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 23 months and a representative rate of 18.9% APR (variable). Others will get 0% interest on balance transfers for the first 13 months and a rate of 21.9% APR (variable) or 25.9% APR (variable). 0% 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 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 (23 Mths)

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Lloyds Bank
0.0% 20
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers. Get up to 20 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 6 months after opening your account, get 0% interest on purchases made. No balance transfer fee. You'll also pay no fees on balances transferred within 90 days of account opening, instead of the standard 3% fee.
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 (20 Mths)

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Bank of Scotland
0.0% 20
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 20 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 20 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 13 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 0% fee on balance transfers within the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 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).

Bank of Scotland | Platinum Balance Transfer Card (20 Mths)

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0.0% 12
Months
2.9% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

ASDA | Credit Card

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0.0% 6
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Amnesty International | Standard Credit Card

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TSB
4.9% 12
Months
3.0% 0.0% 6
Months
11.9% APR
Representative variable
0% interest on purchases for the first 6 months. 4.9% p.a. interest for the first 12 months on balance transfers within the first 90 days (3% fee applies).
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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0.0% 24
Months
1.0% 0.0% 4
Months
18.0% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.0% p.a.(variable), you will pay 18.0% APR Representative (variable).

The Co-operative Bank | Balance Transfer Credit Card

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Barclaycard
N/A N/A N/A 0.0% 3
Months
34.9% APR
Representative variable

A credit limit between £150 and £1,200. 0% interest on all your purchases for 5 months from account opening, offer ends 8 February 2016. Your account will be reviewed within 12 months and your interest rate will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit. Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard account services.

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
2.69% 0.0% 3
Months
24.9% APR
Representative variable
0% interest on balance transfers for 18 months from account opening (2.69% handling fee applies). A fee of 2.99% will be applied, then reduced to 2.69% by a refund (terms and conditions apply). 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1200 at a purchase rate of 24.9% p.a.(variable), you will pay 24.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (18 Mths)

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0.0% 12
Months
3.0% 0.0% 3
Months
22.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 22.9% p.a.(variable), you will pay 22.9% APR Representative (variable).

Miles & More | Credit Card (Visa)

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AA
0.0% 22
Months
0.0% 0.0% 3
Months
19.9% APR
Representative variable
0% for 22 months on balance transfers made in the first 3 months. 0% for 3 months on purchases from account opening. No fee to make balance transfers. No annual fee. 40% discount AA European Breakdown cover on trips of 3 days or more if you book by 1st April 2016* AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).

AA | Balance Transfer Credit Card

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0.0% 40
Months
2.89% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Balance Transfer Credit Card (40 Mths)

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0.0% 38
Months
2.7% 0.0% 3
Months
18.9% APR
Representative 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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Post Office Money
0.0% 37
Months
2.49% 0.0% 3
Months
18.9% APR
Representative variable
0% on balance transfers for 37 months. Balance transfers must be made within 3 months of account opening. 2.49% fee on balance transfers. An initial 2.98% fee applies, but this will be reduced to 0% by a refund within 90 days. 0% on purchases for the first 3 months. No annual fee. 
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Post Office Money | Balance Transfer Credit Card

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Sainsburys Bank
0.0% 37
Months
2.89% 0.0% 3
Months
18.9% APR
Representative variable
If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on Balance Transfers for the first 37 months. A reduced 2.89% balance transfer fee applies on transfers within your first 3 months. 3% afterwards (minimum £3). Pay 0% interest on purchases for the first 3 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit 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 Long Balance Transfer Credit Card

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0.0% 36
Months
1.69% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Balance Transfer Credit Card (36 Mths)

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0.0% 36
Months
2.39% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Money Transfer Credit Card (36 Mths)

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0.0% 32
Months
1.69% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Virgin Money | Virgin Money Transfer Credit Card (32 Mths)

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TSB
0.0% 28
Months
0.7% 0.0% 3
Months
18.9% APR
Representative variable
0% interest for up to 28 months on balance transfers within the first 90 days (0.7% fee). An initial 3% fee applies; we'll then refund 2.3% within 60 days, so the effective fee is 0.7%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies. The refund is only available if you are accepted for the card before 4 March 2016. 0% on purchases for the first 3 months.
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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Sainsburys Bank
0.0% 18
Months
0.0% 0.0% 3
Months
18.9% APR
Representative variable
If your application is approved you are guaranteed to get the 0% interest period advertised. Pay 0% interest on balance transfers for your first 18 months. No balance transfer fee. Pay 0% interest on purchases for your first 3 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card. Collect 1 Nectar point per £5 spent on your Credit Card elsewhere. No cash advance fee on Sainsbury’s Travel Money purchases. Accepted worldwide at almost 36 million locations, wherever you see the MasterCard logo. No annual fee.
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 No BT Fee Credit Card

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0.0% 12
Months
5.0% 0.0% 3
Months
18.9% APR
Representative variable
Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), you will pay 18.9% APR Representative (variable).

Creation Financial Services | Balance Transfer Card

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0.0% 9
Months
2.98% 0.0% 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).

Bank of Ireland (NI) | Queen's Affinity Credit Card

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N/A N/A N/A 0.0% 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).

Bank of Ireland (NI) | Student Credit Card

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Post Office Money
0.0% 18
Months
0.0% 0.0% 3
Months
17.8% APR
Representative variable

0% on balance transfers for 18 months. Balance transfers must be made within 3 months of account opening. 0% fee on balance transfers. An initial 2.98% fee applies, but this will be reduced to 0% by a refund within 90 days. 0% on purchases for the first 3 months. No annual fee. The credit card for everyday use at home or abroad. Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

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 Money | Platinum Card

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N/A N/A N/A 0.0% 1
Months
18.9% APR
Representative 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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MoneyExpert Ltd is a Credit Broker and receives commission payments for all credit card referrals made on our website. 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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