Our Current Top Card

MBNA Limited
- Platinum Credit Card (41 Mths) -

  • 0% for 20 Months on Money Transfers
  • 0% Interest for 41 Months on Balance Transfers Made Within 60 Days
  • 3.45% Transfer Fee

0% Purchase
Credit Cards

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

Compare the best Credit Cards for you.

Virgin Money

Purchases
30 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Virgin Money

Purchases
27 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
19.9% APR
Representative
variable

Post Office Money

Purchases
27 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

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

nuba

Purchases
26 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Halifax

Purchases
26 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to the first 21 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 2.5% fee applies on each balance transfer made in the first 90 days. 3% fee applies for each balance transfer made after the first 90 days. 0% for up to 21 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of 21.9% APR (variable), or 25.9% APR (variable).

AA

Purchases
26 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for 20 months on balance transfers made in the first 3 months. A 2.98% fee applies to balance transfers. 0% on all purchases for 26 months from the date your account is opened. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 20 months. Contactless Payments. Instant Decision. No Annual Fee. Additional card security when you shop online with MasterCard® SecureCode™.
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Barclaycard

Purchases
25 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on purchases for 25 months and 0% interest for 25 months on balance transfers (1.99% transfer fee applies). A fee of 3% will be applied, then reduced to 1.99% by a refund (terms and conditions apply).

M&S Bank

Purchases
25 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Lloyds Bank

Purchases
24 Months
0% interest on
Purchases

Fee
£24
Annual Fee

Representative APR.
23.7% APR
Representative
variable

With two cards and one account, shopping has never been so rewarding. Choice rewards – Collect Choice points every time you shop, and redeem them for shopping vouchers at Amazon, Boots, Debenhams and other retailers, for cashback, travel rewards through Avios, and more. Double Choice points – Apply now and collect double points for the first 6 months when using your Lloyds Bank Choice Rewards American Express® card, up to a maximum spend of £2,500 per month. Rewards Terms and Conditions apply. 0% interest on purchases – For 24 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 24 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).

Bank of Scotland

Purchases
24 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to the first 21 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of either 21.9% APR (variable), or 25.9% APR (variable). 2.5% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 21 months from account opening on purchases. At least 51% of customers will get 0% on purchases for the first 21 months and a representative rate of 18.9% APR (variable). Others will get 0% for 18 or 15 months and a rate of either 21.9% APR (variable) or 25.9% APR (variable).

Lloyds Bank

Purchases
24 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers. Get 21 months 0% interest on balance transfers made within 90 days of opening your account. 2.5% balance transfer fee. You’ll also pay only a 2.5% fee on balances transferred during these 90 days, instead of the standard 3% fee. 0% interest on purchases. For 21 months after opening your account, get 0% on purchases.

Bank of Ireland (NI)

Purchases
24 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
17.9% APR
Representative
variable

TSB

Purchases
20 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% interest for the first 20 months on balance transfers within the first 90 days (2.95% Balance Transfer Fee applies). A Balance Transfer Fee of 2.95% applies. 0% on purchases for 20 months. Minimum £100 balance transfer. 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 Sep 2017 (terms and conditions apply).

Santander

Purchases
15 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for 15 months on balance transfers and purchases from the date of account opening. No balance transfer fee during the introductory period. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch.

Barclaycard

Purchases
12 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
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. Free ongoing access to your Experian Credit Score. 0% interest on balance transfers for the first 12 months (0.15% fee applies). 0% interest on purchases for 12 months from account opening.

Halifax

Purchases
12 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Lloyds Bank

Purchases
12 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers. Get up to 32 months 0% interest on balance transfers made within 90 days of opening your account. 0.80% balance transfer fee. An initial 3% fee applies; which is reduced to 0.80% by a refund. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies. 0% interest on purchases. For 6 months after opening your account, get 0% on purchases made.

Bank of Scotland

Purchases
12 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

A great credit card for balance transfers, plus a low balance transfer fee – available exclusively online. 0% for up to 32 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% for 32 or 26 months and a rate of 21.9% APR (variable), or 25.9% APR (variable). 1.39% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; we'll then refund 1.61% within 90 days, so the effective fee is 1.39%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for 12 months from account opening on purchases.

Nationwide Building Society

Purchases
12 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
17.9% APR
Representative
variable

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

Nationwide Building Society

Purchases
12 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
15.9% APR
Representative
variable

0% on balance transfers for 12 months. Balance transfers must be completed within 3 months of account opening. No balance transfer fee. 0% on purchases for 12 months. 0.5% unlimited cashback on all sterling purchases. Fraud Protection Guarantee. Simply Rewards. Unlimited commission-free purchases abroad

Bank of Scotland

Purchases
9 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
27.9% APR
Representative
variable

0% for 18 months from account opening on balance transfers made within the first 90 days. £100 minimum balance transfer. 3% balance transfer fee applies. 0% for 9 months from account opening on purchases.

Tesco Bank

Purchases
6 Months
0% interest on
Purchases

Fee
£150
Annual Fee

Representative APR.
56.5% APR
Representative
variable

Santander

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
21.7% APR
Representative
variable

Halifax

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Balance Transfer offer - exclusively available online only. 0% for up to 41 months from account opening on balance transfers made in the first 90 days. Minimum £100 balance transfer. 3.18% effective fee applies on each balance transfer made in the first 90 days. An initial 3.50% fee applies; within 90 days we'll then reduce it to 3.18% by a refund. 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.

Bank of Scotland

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to 40 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 40 months and a representative rate of 18.9% APR (variable). 1.94% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; then reduced to 1.94% by a refund. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for the first 6 months on purchases.

Lloyds Bank

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to 40 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 40 months and a representative rate of 18.9% APR (variable). 1.94% effective fee applies on each balance transfer made in the first 90 days. An initial 3% fee applies; then reduced to 1.94% by a refund. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer. 0% for the first 6 months on purchases.

Barclaycard

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers for 37 months from account opening (2.45% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.45% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.

Barclaycard

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers for 32 months from account opening (0.63% fee applies). A fee of 3.5% will be applied, then reduced to 0.63% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.

Halifax

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to 25 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 25 months and a representative rate of 18.9% 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.

Barclaycard

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for 24 months on balance transfers (0.00% fee applies). A fee of 3.5% will be applied, then reduced to 0.00% by a refund. 0% interest on purchases for 6 months

Lloyds Bank

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% interest on balance transfers. Get up to 20 months' 0% interest on balance transfers made within 90 days of opening your account. 0% interest on purchases. For 6 months after opening your account, get 0% interest on purchases made. No balance transfer fee. You'll also pay no fees on balances transferred within 90 days of account opening, instead of the standard 3% fee.

Bank of Scotland

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% for up to 20 months from account opening on balance transfers within the first 90 days. Minimum £100 balance transfer. 0% fee on balance transfers within the first 90 days. 3% fee applies on each balance transfer made after the first 90 days. 0% for 6 months from account opening on purchases.

Amnesty International

Purchases
6 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Marbles

Purchases
5 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
34.9% APR
Representative
variable

The Co-operative Bank

Purchases
4 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18% APR
Representative
variable

Capital One

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
34.9% APR
Representative
variable

Barclaycard

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
34.9% APR
Representative
variable

A credit limit between £150 and £1,200. 0% interest on all your purchases for 3 months from account opening. Your account will be reviewed within 12 months and your interest rate will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit. Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard account services.

Marbles

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
34.9% APR
Representative
variable

Barclaycard

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
24.9% APR
Representative
variable

0% interest on balance transfers for 18 months from account opening (2.99% handling fee applies). 0% interest on purchases for 3 months from account opening.

Miles & More

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
22.9% APR
Representative
variable

Virgin Money

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
20.9% APR
Representative
variable

Virgin Money

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
20.9% APR
Representative
variable

AA

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
19.9% APR
Representative
variable

Virgin Money

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
19.9% APR
Representative
variable

Virgin Money

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
19.9% APR
Representative
variable

Virgin Money

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
19.9% APR
Representative
variable

Post Office Money

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. 0% on balance transfers for up to 37 months.2.49% fee applies and balance transfers must be made within 3 months of account opening. No cash fee to buy travel money at the Post Office. 0% on purchases for the first 3 months. No annual fee. 

Sainsburys Bank

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Sainsburys Bank

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

TSB

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

 0% interest for up to 28 months on balance transfers within the first 90 days (0.50% Balance Transfer Fee applies). £100 minimum balance transfer. Subject to status and lending criteria. 0% on purchases for the first 3 months.

Creation Financial Services

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

Bank of Ireland (NI)

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
17.9% APR
Representative
variable

Bank of Ireland (NI)

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
17.9% APR
Representative
variable

Post Office Money

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
17.8% APR
Representative
variable

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. No balance transfer fee and 0% on balance transfers for 22 months with our Post Office Money Platinum Credit Card.
Balance transfers must be made within three months of account opening. No fees on purchases overseas. No cash fee to buy travel money at the Post Office. 0% on all purchases for the first 3 months.

TSB

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
7.9% APR
Representative
variable

0% interest on purchases for the first 3 months. 0% p.a. interest for the first 3 months on balance transfers within the first 90 days (0.00% fee applies). 3% balance transfer fee applies after 90 days. Interest will be charged from day of transaction. Subject to status and Lending Criteria. 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 Sep 2017 (terms and conditions apply).

Santander

Purchases
1 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
18.9% APR
Representative
variable

0% Purchase fee Credit Cards

How do 0% Balance Transfer 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% 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.