Skip Navigation LinksHome > Money > Credit Cards > 0% Purchases

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.

For more information on credit cards please view our FAQ's.

Our Experts Choice...

Barclaycard Platinum

0% interest on balance transfers for 22 months from
account opening.

  • 0% interest on purchases for 3 months from
    account opening.
  • £30 fee refund when you transfer a balance of
    £2,500 or more (equivalent to 1.7% BT fee)
  • 17.9% APR Representative Variable.

 
 Representative APR Balance Transfers Purchases  
Barclaycard
Barclaycard Platinum Purchase
18.9 % APR
Representative Variable 		0.00% 15 months 2.90 % fee 0.00% 15 months Credit Cards
0% interest on purchases and balance transfers for 15 months (2.9% handling fee applies), both from account opening.
Representative Example: If you borrow £1,200 at a rate of 18.9 % p.a. (variable), you will pay 18.9 % APR Representative (variable).
Halifax
All in One Card MasterCard
17.9 % APR
Representative Variable 		0.00% 15 months 3.00 % fee 0.00% 15 months Credit Cards
0% for up to 15 months on balance transfers (3% fee applies). A long introductory interest free period to help you manage your existing credit. 0% for up to 15 months on purchases. To help spread the cost of any new purchases. The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Virgin Money
Virgin Purchase Credit Card
18.9 % APR
Representative Variable 		0.00% 13 months 2.89 % fee 0.00% 13 months Credit Cards
0% on balance transfers for 13 months. Rate applies to transfers made in the first 60 days. Handling fee of 2.89% fee applies. 0% on card purchases for 13 months. Representative 18.9% APR variable.
Representative Example: If you borrow £1,200 at a rate of 18.9 % p.a. (variable), you will pay 18.9 % APR Representative (variable).
Royal Bank of Scotland
YourPoints World MasterCard
17.9 % APR
Representative Variable 		0.00% 13 months 2.90 % fee 0.00% 13 months Credit Cards
0% on purchases for 13 months from account opening. 0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. 2,500 bonus RBS YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon. £1 spent = 1 point.
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
NatWest
YourPoints World MasterCard
17.9 % APR
Representative Variable 		0.00% 13 months 2.90 % fee 0.00% 13 months Credit Cards
0% on purchases and balance transfers for 13 months from account opening (2.9% fee, min £5 on any balances you transfer within 3 months of opening your account). 2,500 bonus NatWest YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon. 1 point = £1 spent.
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Creation Financial Services
Creation Purchase Card
17.9 % APR
Representative Variable 		0.00% 9 months 2.90 % fee 0.00% 13 months Credit Cards
0% for 13 months on all your card Purchases from account opening. 0% for 9 months on Balance Transfers (with a 2.9% handling fee), for balances transferred within 60 days of account opening. A great rate of Representative 17.9% APR variable.
Representative Example: If you borrow £1,200 at a rate of 18.0 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Bank of Scotland
All in One Card
17.9 % APR
Representative Variable 		0.00% 12 months 3.00 % fee 0.00% 12 months Credit Cards
The Bank of Scotland Credit Card. 0% for 12 months on purchases and balances transferred now (3% fee). 15.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Sainsburys Finance
Sainsbury's Credit Card (Nectar Card Holders Only)
16.9 % APR
Representative Variable 		0.00% 12 months 3.00 % fee 0.00% 12 months Credit Cards
You must have a Nectar Card in order to apply for this Credit Card. Nectar points are NOT earned using this Credit Card. With a Sainsburys Credit Card, Sainsburys shoppers with a Nectar card can enjoy 0% for 12 months on all shopping and balance transfers (3% BT fee applies. 16.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
AA
AA Rewards Credit Card
16.9 % APR
Representative Variable 		0.00% 12 months 3.00 % fee 0.00% 10 months Credit Cards
Offers 0% on card purchases for 10 months and 0% on balance transfers for 12 months (3% fee). Plus earn reward points every time you spend and double points on fuel. Redeem your points on high street shopping vouchers, cash back or AA products. Example - spend £200 on fuel and £300 on all other purchases a month and earn over £20 cash back in a year or over £80 worth of AA products such as breakdown cover. You must be 21 years old, employed, and earn over £20,000 per year with no recent credit defaults.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Play.com
Credit Card
16.9 % APR
Representative Variable 		0.00% 6 months 1.50 % fee 0.00% 9 months Credit Cards
Enjoy the benefits of the Play.com Credit Card - earn Play Points and redeem for Play.com gift vouchers which you can use against over 8 million products on the Play.com website. Earn 2 Play Points for every £1 you spend at Play.com and 1 Play Point for every £1 you spend elsewhere. Receive 1,500 bonus Play Points if you spend £150 on your card within 90 days of your account opening - you can redeem these Points for a £15 Voucher! Terms & Conditions apply. You must be 23 years old, employed, and earn over £20,000 per year with no recent credit defaults.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Royal Bank of Scotland
Platinum Card (Online)
17.9 % APR
Representative Variable 		0.00% 20 months 2.90 % fee 0.00% 6 months Credit Cards
Transfer your existing balances and pay 0% for 20 months (3.2% fee applies). Plus you could pay 0% on your purchases for 6 months from account opening.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
NatWest
Platinum Card (Online)
17.9 % APR
Representative Variable 		0.00% 20 months 2.90 % fee 0.00% 6 months Credit Cards
Transfer your existing balances and pay 0% for 20 months (3.2% fee applies). Plus you could pay 0% on your purchases for 6 months from account opening.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Sainsburys Finance
Sainsbury's Nectar Credit Card
16.9 % APR
Representative Variable 		0.00% 15 months 3.00 % fee 0.00% 6 months Credit Cards
You must have a Nectar Card in order to apply for this Credit Card. 0% on balance transfers for the first 15 months (3% balance transfer applies). 0% on all purchases for the first 6 months. When you pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card you could earn up to 4 Nectar points for every £1* you spend in Sainsbury's stores and online for the first two years. One Nectar point for every £5 spent on your card elsewhere.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Nationwide Building Society
Nationwide Credit Card (Purchases)
15.9 % APR
Representative Variable 		10.00% 3.10 % fee 0.00% 6 months Credit Cards
Nationwide Credit Card - 0% on purchases for 6 months. 15.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 15.9 % p.a. (variable), you will pay 15.9 % APR Representative (variable).
Virgin Money
Virgin All Round Credit Card
15.8 % APR
Representative Variable 		0.00% 16 months 1.99 % fee 0.00% 6 months Credit Cards
Offers 0% on balance transfers and money transfers for 16 months. Great value balance transfer fee of just 1.99%. 0% on card purchases for 6 months. Rate and handling fee of 1.99% applies to balance transfers made in the first 60 days. Rate and handling fee of 4% applies to money transfers made in the first 60 days.
Representative Example: If you borrow £1,200 at a rate of 15.8 % p.a. (variable), you will pay 15.8 % APR Representative (variable).
Lloyds TSB
Advance MasterCard
11.9 % APR
Representative Variable 		4.90% 12 months 3.00 % fee 0.00% 6 months Credit Cards
0% interest on purchases for 6 months. 4.9% p.a. interest for 12 months on balance transfers (3% fee) – if you spend £100 or more in the first 3 months. 11.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 11.9 % p.a. (variable), you will pay 11.9 % APR Representative (variable).
Barclaycard
Barclaycard Initial Credit Card
29.9 % APR
Representative Variable 		29.90%   0.00% 3 months Credit Cards
Offers 0% interest on purchases for 3 months. Can help to build your credit rating. Suitable if your financial situation has been improving. Suitable even if you have missed payments or have had CCJs over 12 months ago. Manageable credit limits from £250 - £1000.
Representative Example: If you borrow £1,200 at a rate of 29.9 % p.a. (variable), you will pay 29.9 % APR Representative (variable).
Barclaycard
Cashback Business Credit Card
24.9 % APR
Representative Variable 		0.00%   0.00% 3 months Credit Cards
Barclaycard Cashback Business Credit Card. Reward those unavoidable costs you already face every day in your business. Things like office supplies & stationery, legal and accounting services, computer equipment and support. Plus get 0% interest on purchases for 3 months from account opening. 3% cashback on office supplies & stationery, legal & accounting services, computer equipment and support. 1% cashback on fuel at petrol stations – perfect for offsetting spiralling transport costs. 0.5% cashback on any other spend. Get up to £400 a year in cashback. 
Representative Example: If you borrow £1,200 at a rate of 19.9 % p.a. (variable) with a £32 annual fee, you will pay 24.9 % APR Representative (variable).
Barclaycard
Barclaycard Platinum Low BT Fee
18.9 % APR
Representative Variable 		0.00% 17 months 1.60 % fee 0.00% 3 months Credit Cards
0% interest on balance transfers for 17 months from account opening (2.1% handling fee applies). Plus, refund offer which reduces handling fee to equivalent of 1.6% for everyone. 0% interest on purchases for 3 months from account opening.
Representative Example: If you borrow £1,200 at a rate of 18.9 % p.a. (variable), you will pay 18.9 % APR Representative (variable).
Barclaycard
Barclaycard Platinum With BT (22 Mths)
17.9 % APR
Representative Variable 		0.00% 22 months 2.90 % fee 0.00% 3 months Credit Cards
0% interest on balance transfers for 22 months from account opening (2.9% handling fee applies). Plus 0% interest on purchases for 3 months from account opening. £30 fee refund when you transfer a balance of £2,500 or more (equivalent to 1.7% Balance Transfer fee).
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Halifax
Balance Transfer Card
17.9 % APR
Representative Variable 		0.00% 22 months 3.50 % fee 0.00% 3 months Credit Cards
0% for 22 months on balance transfers (3.5% fee applies). 0% for the first 3 months on purchases. You must have an annual income of £20,000 or more to apply.
Representative Example: If you borrow £1,200 at a rate of 17.95 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Barclaycard
Barclaycard Platinum With BT (21 Mths)
17.9 % APR
Representative Variable 		0.00% 21 months 2.60 % fee 0.00% 3 months Credit Cards
0% interest free on balance transfers for 21 months (2.9% handling fee applies) and 0% interest on purchases for 3 months, both from account opening. Plus, refund offer which reduces handling fee to equivalent of 2.6% for everyone (terms and conditions apply). For a limited time only.
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
Lloyds TSB
Platinum MasterCard (Online only)
17.9 % APR
Representative Variable 		0.00% 15 months 3.00 % fee 0.00% 3 months Credit Cards
Offers 0% interest on balance transfers for 15 months (3% fee). Minimum spend of £100 in the first 3 months applies, interest will be charged to the fee. Also offers 0% interest on purchases for 3 months. 17.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 17.9 % p.a. (variable), you will pay 17.9 % APR Representative (variable).
MBNA Europe
MBNA Credit Card
16.9 % APR
Representative Variable 		0.00% 20 months 2.99 % fee 0.00% 3 months Credit Cards
0% on balance transfers for 20 months from the date your account is opened (2.99% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. 0% on card purchases for 3 months from the date your account is opened.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Halifax
Balance Transfer Card 20/3
16.9 % APR
Representative Variable 		0.00% 20 months 3.00 % fee 0.00% 3 months Credit Cards
0% for 20 months on balance transfers (3% fee applies). 0% for the first 3 months on all purchases. You must have an annual income of £20,000 or more to apply.
Representative Example: If you borrow £1,200 at a rate of 16.94 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Bank of Scotland
Plus Credit Card
16.9 % APR
Representative Variable 		0.00% 18 months 3.00 % fee 0.00% 3 months Credit Cards
0% for the first 18 months for balance transfers (with a 3% fee). 0% for the first 3 months on new purchases. 16.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 16.94 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Halifax
Balance Transfer Card 17/3
16.9 % APR
Representative Variable 		0.00% 17 months 3.00 % fee 0.00% 3 months Credit Cards
0% for 17 months on balance transfers (3% fee applies). 0% for the first 3 months on all purchases.
Representative Example: If you borrow £1,200 at a rate of 16.94 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Post Office Ltd
Platinum Card
16.9 % APR
Representative Variable 		0.00% 14 months 2.98 % fee 0.00% 3 months Credit Cards
Get 0% on balance transfers for the first 14 months with the Post Office® Credit Card. Plus 0% on purchases for the first 3 months and 0% commission on purchases abroad. 16.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 16.9 % p.a. (variable), you will pay 16.9 % APR Representative (variable).
Virgin Money
Virgin Balance Transfer Credit Card
16.8 % APR
Representative Variable 		0.00% 20 months 2.99 % fee 0.00% 3 months Credit Cards
Click here and apply now for the Virgin Money Credit Card and get tons of great discounts including 5% off Virgin Holidays, plus no credit card fee (usually 2.5%). 10% off Virgin Wines, 10% off VIE at home, 20% off Virgin Experiences and Half Price Balloon Flights! Other benefits include 1 month free at Virgin Active, contactless payment, and much more! You can also manage your account 24/7 either online or by phone, do your bit for the environment with paperless statements and ensure that your most expensive debt is paid off first with Virgin Moneys’ positive payment hierarchy!
Representative Example: If you borrow £1,200 at a rate of 16.8 % p.a. (variable), you will pay 16.8 % APR Representative (variable).
Nationwide Building Society
Nationwide Credit Card (Balance Transfer)
15.9 % APR
Representative Variable 		0.00% 20 months 3.10 % fee 0.00% 3 months Credit Cards
Nationwide Credit Card - 0% on balance transfers for 20 months plus 0% on purchases for 3 months. 15.9% APR representative variable.
Representative Example: If you borrow £1,200 at a rate of 15.9 % p.a. (variable), you will pay 15.9 % APR Representative (variable).

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. The rates displayed in this table are updated on a daily basis.

Our registered address is MoneyExpert Ltd, Unit 6, The Parks, Lodge Lane, Newton-le-Willows, Merseyside, WA12 0JQ.

We search the market for the best credit cards

Latest Credit Card News

26/04/2012: Ten reasons why you might not get credit

Now that we are heading into a double-dip recession, with few signs that the credit crunch is ending at any time soon, the Bank of England is predicting tighter credit scoring and a probable decrease in consumer lending in the coming months -despite a projected increase in demand.

19/04/2012: The best Credit Cards and Prepaid Cards to use abroad this summer

A number of Brits are expected to take holidays overseas this summer, despite the global economic woe which has taken hold of many nations.

28/03/2012: Male and female credit card habits revealed

The credit card spending habits of men and women have been uncovered by new research, with some surprisingly gender-stereotypical results.

08/03/2012: Best credit cards on the market revealed

The cost of living is soaring and a large number of Brits are turning to credit cards to cover everyday expenses. Credit cards are not just for smaller everyday purchases though. They can be incredibly useful for making larger purchases as well, ultimately saving you money and providing a financial safety net.

View full news section

© Moneyexpert.com 2012

Moneyexpert Limited Registered in England. Registered Number 04765843. Registered Office: Moneyexpert Limited, Craven House, Station Approach, Godalming, Surrey, GU7 1EX. Consumer Credit Licence Number 0543105. Data Protection Licence Number Z8204138. MoneyExpert is an Appointed Representative of One Star Financial Ltd, 80 Manchester Road, Walkden, Worsley, M28 3LN which is authorised and regulated by the Financial Services Authority under the registration number 521223.