Our Current Top Card

**Halifax**

- Balance Transfer Credit Card (35 Mths) -

- 0% for 6 Months on Purchases
- 0% Interest for 35 Months on Balance Transfers Made Within 60 Days
- 3% Transfer Fee

With the right kind of credit card, you could pay no interest on purchases for a set period. Compare with Money Expert.

Santander

Purchases

30 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

21.7% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.7% APR (variable).

MBNA Limited

Purchases

30 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

nuba

Purchases

30 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Virgin Money

Purchases

30 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Halifax

Purchases

30 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Lloyds Bank

Purchases

29 Months

0% interest on

Purchases

Fee

£24

Annual Fee

Representative APR.

23.7% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £2.00 monthly fee your representative rate will be 23.7% APR (variable).

Lloyds Bank

Purchases

29 Months

0% interest on

Purchases

Fee

£24

Annual Fee

Representative APR.

23.7% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £2.00 monthly fee your representative rate will be 23.7% APR (variable).

Halifax

Purchases

29 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Lloyds Bank

Purchases

29 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Bank of Scotland

Purchases

29 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Virgin Money

Purchases

28 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Sainsburys Bank

Purchases

28 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Post Office Money

Purchases

28 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Purchases

28 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Barclaycard

Purchases

27 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

** Balance Transfer refund will be made within 28 days**

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Sainsburys Bank

Purchases

27 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

HSBC

Purchases

26 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

22.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 22.9% APR (variable).

Yorkshire Bank

Purchases

26 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Clydesdale Bank

Purchases

26 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Post Office Money

Purchases

25 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

nuba

Purchases

25 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

M&S Bank

Purchases

25 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

M&S Bank

Purchases

25 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Bank of Ireland (NI)

Purchases

24 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

17.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).

Creation Financial Services

Purchases

20 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Purchases

20 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Santander

Purchases

18 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

49.8% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 49.8% APR (variable).

American Express

Purchases

18 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

22.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 22.9% APR (variable).

First Direct

Purchases

17 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

16.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 16.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 16.9% APR (variable).

Tesco Bank

Purchases

15 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Debenhams

Barclaycard

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

21.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).

Barclaycard

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

21.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).

Lloyds Bank

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Halifax

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Bank of Scotland

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Virgin Money

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Barclaycard

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Tesco Bank

Nationwide Building Society

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

17.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).

Nationwide Building Society

Purchases

12 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

15.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 15.9% APR (variable).

Bank of Scotland

Purchases

9 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

27.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 27.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 27.9% APR (variable).

HSBC

Purchases

9 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

John Lewis

Purchases

9 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Saga

Purchases

9 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

11.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 11.29% p.a. (variable) with a £0.00 monthly fee your representative rate will be 11.9% APR (variable).

ASDA

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

34.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 34.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).

ASDA

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

26.2% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 26.2% APR (variable).

Barclaycard

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

** Balance Transfer refund will be made within 28 days**

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Barclaycard

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

** Balance Transfer refund will be made within 28 days**

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

ASDA

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

M&S Bank

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

M&S Bank

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Sainsburys Bank

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

M&S Bank

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

M&S Bank

Purchases

6 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Bank of Ireland (NI)

Danske Bank

Purchases

5 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

22.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 22.85% p.a. (variable) with a £0.00 monthly fee your representative rate will be 22.9% APR (variable).

Capital One

Purchases

4 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

34.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).

aqua

The Co-operative Bank

Purchases

4 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18% APR (variable).

Capital One

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

34.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).

Marbles

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

34.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).

Barclaycard

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

34.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 34.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).

Barclaycard

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

24.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 24.99% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).

Capital One

Virgin Money

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

20.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).

Virgin Money

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

20.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).

Virgin Money

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

20.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).

Halifax

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Lloyds Bank

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

HSBC

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Tesco Bank

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

HSBC

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Halifax

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Lloyds Bank

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Bank of Scotland

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

19.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Sainsburys Bank

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Post Office Money

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Santander

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Creation Financial Services

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Creation Financial Services

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Bank of Ireland (NI)

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

17.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).

Bank of Ireland (NI)

Purchases

3 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

17.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).

Santander

Purchases

1 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

18.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Purchases

1 Months

0% interest on

Purchases

Fee

£0

Annual Fee

Representative APR.

5.9% APR

Representative

variable

See Deal

**Representative Example:** If you spend £1,200 at a purchase interest rate of 5.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 5.9% APR (variable).

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.

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.

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.

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.

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.