0% interest on Purchases
Compare the best
0% Purchase Credit Cards
Tesco Bank - Clubcard Plus Credit Card
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 37.7% APR (variable).
M&S Bank - Shopping Plus Credit Card
Purchases
22 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
M&S Bank - Shopping Plus Credit Card Ex/C
Purchases
22 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
Tesco Bank - Clubcard Credit Card (Purchase 22m)
Purchases
22 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
20.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 20.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
Barclaycard - Platinum Balance Transfer (20/21)
Purchases
21 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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 - Platinum Balance Transfer Card (21/18 Mths)
Purchases
21 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
Sainsburys Bank - Dual Offer Credit Card
Purchases
21 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
20.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 20.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
Ulster Bank - Purchase and Balance Transfer Card Ex/C
Purchases
20 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
NatWest - Purchase and Balance Transfer Card Ex/C
Purchases
20 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
Royal Bank of Scotland - Purchase and Balance Transfer Card Ex/C
Purchases
20 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
Santander - World Elite Mastercard Ex/C
Purchases
18 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
49.8%
Representative variable
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).
HSBC - Purchase Plus Credit Card
Purchases
18 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
22.9%
Representative variable
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).
Tesco Bank - Clubcard Credit Card (BT and Purchases 18/18)
Purchases
18 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
20.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 20.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
Halifax - Balance Transfer Credit Card (17/17 Mths)
Purchases
17 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.93% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
Bank of Scotland - Platinum Balance Transfer Card (17/17 Mths)
Purchases
17 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.93% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
Sainsburys Bank - Nectar Reward Credit Card Ex/C
Purchases
17 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
20.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 20.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
First Direct - Gold Credit Card
Purchases
17 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
16.9%
Representative variable
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 - Clubcard Credit Card (All Round 15/15)
Purchases
15 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
20.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 20.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
M&S Bank - Reward Credit Card
Purchases
12 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
19.9%
Representative variable
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 - Reward Credit Card Ex/C
Purchases
12 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
19.9%
Representative variable
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 - Balance Transfer Credit Card (29 Mths)
Purchases
9 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.93% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
Bank of Scotland - Platinum Balance Transfer Card (22 Mths)
Purchases
9 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.93% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (22 Mths)
Purchases
9 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
HSBC - Premier Credit Card
Purchases
9 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
18.9%
Representative variable
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 - Partnership Card
Purchases
9 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
18.9%
Representative variable
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 - Classic Dual Credit Card (24.9%)
Purchases
6 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
24.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).
Barclaycard - Platinum Balance Transfer (24 Mths)
Purchases
6 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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 - Platinum Balance Transfer (15 Mths)
Purchases
6 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
HSBC - Rewards Credit Card Ex/C
Purchases
6 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
Danske Bank - Standard Credit Card
Purchases
5 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
22.9%
Representative variable
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 - Classic Complete Card - Excl
Purchases
4 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
34.9%
Representative variable
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).
The Co-operative Bank - Balance Transfer Credit Card Ex/C
Purchases
4 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
20.6%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 20.6% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.6% APR (variable).
Capital One - Balance Transfer Credit Card
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
34.9%
Representative variable
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).
Argos - Classic Credit Card
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
34.9%
Representative variable
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).
Post Office Money - Classic Dual Credit Card (29.9%)
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
29.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 29.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 29.9% APR (variable).
Ocean Finance - Credit Card (29.9%) - Semi Excl
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
29.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 29.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 29.9% APR (variable).
Sainsburys Bank - Balance Transfer Credit Card (29 Mths)
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
HSBC - Balance Transfer Credit Card (29 Mths)
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
M&S Bank - Transfer Plus Credit Card
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
M&S Bank - Transfer Plus Credit Card Ex/C
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
Sainsburys Bank - Balance Transfer Credit Card (27 Mths)
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
TSB - Platinum Balance Transfer Card
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
Sainsburys Bank - Low Balance Transfer Fee Credit Card (19 Mths)
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 21.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).
NatWest - Balance Transfer Credit Card Ex/C
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
Ulster Bank - Balance Transfer Credit Card Ex/C
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
Royal Bank of Scotland - Balance Transfer Credit Card Ex/C
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
21.9%
Representative variable
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).
Santander - Everyday Long Term Balance Transfer Credit Card
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
20.9%
Representative variable
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).
Post Office Money - Classic Credit Card (19.9%)
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
19.9%
Representative variable
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).
TSB - Advance Credit Card
Purchases
3 Months
0% interest on Purchases
Fee
£0
Annual fee
Representative APR
9.9%
Representative variable
Representative Example: If you spend £1,200 at a purchase interest rate of 9.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 9.9% APR (variable).
0% Purchase fee Credit Cards
How Do 0% Purchase Cards Work?
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% purchase 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?
It’s important to pay off the debt on your balance transfer card within the 12 month introductory period before the interest increases from 0%. This way you will not have to pay any interest on your debt and will therefore make a significant saving. You should avoid falling into the trap of feeling safe in the knowledge that for the near future you will not be paying any interest, as this is only temporary. A good thing to do is to cut up your old credit card to take away the temptation to use it and rack up more debt; also it is advisable to set up a direct debit from your bank account to pay off the debt on your transfer credit card to make sure that you do not forget to cover your monthly payments.
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.