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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 36 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
Santander
0.0% 23
Months
0.0% 0.0% 23
Months
16.5% APR
Representative variable

Earn cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all major 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 23 months on balance transfers & purchases from account opening. 16.5% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open any of Santander's 1I2I3 Current Accounts, Santander will refund the first year's annual fee on your 1I2I3 Credit Card. 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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Sainsburys Bank
0.0% 19
Months
3.0% 0.0% 19
Months
18.9% APR
Representative variable
Pay 0% interest on purchases for your first 19 months. Collect 2 points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your card elsewhere. Pay 0% interest on balance transfers for your first 19 months (3% balance transfer fee applies. Minimum £3). 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 Purchase Credit Card

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Tesco Bank
0.0% 3
Months
2.9% 0.0% 19
Months
18.9% APR
Representative 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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Tesco Bank
0.0% 3
Months
2.9% 0.0% 17
Months
18.9% APR
Representative variable
1000 Clubcard points if you make a purchase or transfer a balance within 2 months of account opening. Card only available if you apply online.
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 | Purchase card with 1000 points

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Halifax
0.0% 19
Months
1.0% 0.0% 16
Months
18.9% APR
Representative 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). 1% 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 | All in One Credit Card

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Lloyds Bank
0.0% 18
Months
1.0% 0.0% 16
Months
18.9% APR
Representative variable
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 1.0% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. 0% interest on purchases for the first 16 months after your account is opened. 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 (18 Mths)

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Bank of Scotland
0.0% 18
Months
1.0% 0.0% 16
Months
18.9% APR
Representative variable
A 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% 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). 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 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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Post Office Money
0.0% 16
Months
2.98% 0.0% 16
Months
18.9% APR
Representative variable
Post Office® Matched Credit Card. For everyday purchases and balance transfers. The Post Office Matched Credit Card offers you a range of benefits ideal for purchasing and easy balance transfers. 18.9% APR Representative (variable). Post Office Matched Credit Card is provided by Bank of Ireland UK.
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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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. 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).

Santander | Credit Card

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Nationwide Building Society
N/A N/A N/A 0.0% 15
Months
17.9% APR
Representative 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% 23
Months
2.49% 0.0% 14
Months
18.9% APR
Representative variable
0% interest for 14 months on purchases and 0% for 23 months on balance transfers. A fee of 3.5% 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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Sainsburys Bank
0.0% 13
Months
0.0% 0.0% 13
Months
18.9% APR
Representative variable
Pay 0% interest on balance transfers for your first 13 months. No balance transfer fee. Pay 0% interest on purchases for your first 13 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your 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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Lloyds Bank
0.0% 13
Months
0.0% 0.0% 13
Months
18.9% APR
Representative variable
0% interest for up to the first 13 months from account opening on balances transferred within the first 90 days. No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter. 0% interest on purchases for the first 13 months after your account is opened. 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 (13 Mths)

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Bank of Scotland
0.0% 13
Months
0.0% 0.0% 13
Months
18.9% APR
Representative variable
0% for 13 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 13 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 9 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 13 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 (13 Mths)

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TSB
0.0% 13
Months
1.0% 0.0% 13
Months
17.9% APR
Representative 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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Avios
0.0% 28
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% 28
Months
3.0% 0.0% 12
Months
23.7% APR
Representative variable
With two cards and one account, shopping has never been so rewarding. Benefits: 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% 28
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% 28
Months
1.5% 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 28 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). 1.5% 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 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 (28 Mths)

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Bank of Scotland
0.0% 28
Months
1.5% 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 28 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). 1.5% 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 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 (28 Mths)

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Lloyds Bank
0.0% 28
Months
1.5% 0.0% 12
Months
18.9% APR
Representative variable
0% interest for 28 months from account opening on balance transfers within the first 90 days. Balance transfer fee of 1.5% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter. 0% interest on purchases for the first 12 months after your account is opened. 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 (28 Mths)

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Barclaycard
0.0% 18
Months
2.0% 0.0% 6
Months
21.9% APR
Representative variable

Rewards range from the high street, online favourites, places to eat and drink, to top entertainment and days out. Earn points wherever you shop, with double Freedom points on your UK supermarket, petrol station and all Transport for London (TfL) spend, plus triple points at selected Freedom partners - BHS, Bella Italia, Café Rouge, Goldsmiths and Strada (terms and conditions apply). 0% interest on balance transfers for the first 18 months (2% fee applies). 0% interest on purchases for 6 months from account opening.

Representative Example: If you borrow £1200 at a purchase rate of 21.9% p.a.(variable), you will pay 21.9% APR Representative (variable).

Barclaycard | Freedom Rewards

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Barclaycard
0.0% 36
Months
2.99% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 36 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 (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 (36 Mths)

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Barclaycard
0.0% 35
Months
2.69% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 35 months from account opening (2.69% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.69% 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 (35 Mths)

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Halifax
0.0% 35
Months
2.7% 0.0% 6
Months
18.9% APR
Representative variable

Balance Transfer offer - exclusively available online only. 0% for up to 35 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 35 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 35 months and a rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months or 18 months and a 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 (35 Mths)

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Bank of Scotland
0.0% 35
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for up to 35 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 35 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 35 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). 3% fee applies on 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 (35 Mths)

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Lloyds Bank
0.0% 35
Months
3.0% 0.0% 6
Months
18.9% APR
Representative variable
0% interest for up to the first 35 months from account opening on balances transferred within the first 90 days. 3% balance transfer fee applies. 0% interest on purchases for the first 6 months after your account is opened. 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 (35 Mths)

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Sainsburys Bank
0.0% 34
Months
2.89% 0.0% 6
Months
18.9% APR
Representative variable
Pay 0% interest on balance transfers for your first 34 months. A reduced 2.89% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3). Pay 0% Interest on purchases for the first 6 months. Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Collect 1 Nectar point for every £5 spent on your 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 Balance Transfer Credit Card

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Barclaycard
0.0% 24
Months
1.15% 0.0% 6
Months
18.9% APR
Representative variable
0% interest on balance transfers for 24 months from account opening (1.15% fee applies). A fee of 2% will be applied, then reduced to 1.15% 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 (24 Mths)

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Halifax
0.0% 16
Months
0.0% 0.0% 6
Months
18.9% APR
Representative variable
0% for 16 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 16 months and a representative rate of 18.9% APR (variable). Others will get 0% interest on balance transfers for the first 9 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 (16 Mths)

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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 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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Barclaycard
N/A N/A N/A 0.0% 3
Months
34.9% APR
Representative 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 £150 - £1,200. 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. Receive £15 cashback after three months when you make your minimum payments on time and don’t go over your credit limit. (Terms and conditions apply).

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
24.9% APR
Representative 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 24.9% p.a.(variable), you will pay 24.9% APR Representative (variable).

Barclaycard | Platinum With Balance Transfer (18 Mths)

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Tesco Bank
0.0% 34
Months
2.9% 0.0% 3
Months
18.9% APR
Representative 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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TSB
0.0% 28
Months
3.0% 0.0% 3
Months
18.9% APR
Representative 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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TSB
0.0% 12
Months
0.25% 0.0% 3
Months
18.9% APR
Representative variable
0% interest for up to 12 months on balances transferred within the first 90 days (0.25% fee, this will increase to 3% after 90 days from account opening). 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 - (12 Mths)

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Nationwide Building Society
0.0% 26
Months
2.4% 0.0% 3
Months
17.9% APR
Representative 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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Nationwide Building Society
0.0% 15
Months
0.65% 0.0% 3
Months
17.9% APR
Representative 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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Post Office Money
0.0% 18
Months
0.79% 0.0% 3
Months
17.8% APR
Representative variable
Post Office® Platinum Credit Card. The credit card for everyday use home and abroad. 17.8% APR Representative (variable). The Post Office Platinum Credit Card offers you a range of benefits whether you use it at home or abroad. 17.8% APR Representative (variable). Post Office Platinum Credit Card is provided by Bank of Ireland UK.
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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Tesco Bank
0.0% 14
Months
0.0% 0.0% 1
Months
18.9% APR
Representative 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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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.

View our guide to credit cards

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