Compare 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
0% Purchase Credit Cards

Santander - All in One Credit Card
Purchases
30 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
21.7%

Representative variable

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 - All Round Credit Card
Purchases
28 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).
Virgin Money - Purchase Credit Card (28m)
Purchases
28 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).
Sainsburys Bank - Nectar Dual Offer Credit Card
Purchases
27 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).
Sainsburys Bank - Nectar Purchase Credit Card
Purchases
27 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).
Tesco Bank - Clubcard Credit Card (Purchase 26m)
Purchases
26 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).
Virgin Money - All Round Credit Card (26m)
Purchases
26 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).
Yorkshire Bank - Gold Credit Card
Purchases
26 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).
Clydesdale Bank - Gold Credit Card
Purchases
26 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).
nuba - all round credit card - semi excl
Purchases
25 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).
Virgin Money - All Round Credit Card (24m) - Semi Excl
Purchases
24 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
23.9%

Representative variable

Representative Example: If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 23.9% APR (variable).
Bank of Ireland (NI) - Matched Credit Card
Purchases
24 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
17.9%

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 17.9% APR (variable).
M&S Bank - Shopping Plus Credit Card
Purchases
20 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 - Shopping Plus Credit Card Ex/C
Purchases
20 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 (20/20 Mths)
Purchases
20 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 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (20/20 Mths)
Purchases
20 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).
Bank of Scotland - Platinum Balance Transfer Card (20/20 Mths)
Purchases
20 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 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Creation Financial Services - All Rounded Credit Card
Purchases
20 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).
Tesco Bank - Purchase card with 1000 points
Purchases
20 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 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Virgin Money - All Round Credit Card (19m) - Semi Excl
Purchases
19 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
27.9%

Representative variable

Representative Example: If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 27.9% 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 - Matched 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).
American Express - Rewards Purchases 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).
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
18.9%

Representative variable

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 - Credit Card
Purchases
12 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 24.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).
Halifax - Balance Transfer Credit Card (24 Mths)
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 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (24 Mths)
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 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Bank of Scotland - Platinum Balance Transfer Card (24 Mths)
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 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Virgin Money - Travel 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).
Tesco Bank - Clubcard Credit Card (All Round 12/12)
Purchases
12 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 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).
Nationwide Building Society - Credit Card Ex/C
Purchases
12 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
17.9%

Representative variable

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).
 For existing Nationwide Customers only
Nationwide Building Society - Select Credit Card Ex/C
Purchases
12 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
15.9%

Representative variable

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).
For existing Nationwide Customers only
Bank of Scotland - Classic Card
Purchases
9 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
27.9%

Representative variable

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 - 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).
ASDA - Cashback Start Credit Card
Purchases
6 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 34.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).
aqua - Classic Card - Semi Excl (6 Mths Purchase)
Purchases
6 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).
M&S Bank - Transfer Plus Credit Card
Purchases
6 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 - Transfer Plus Credit Card Ex/C
Purchases
6 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 (20 Mths)
Purchases
6 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 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Bank of Scotland - Platinum Balance Transfer Card (20 Mths)
Purchases
6 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 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (20 Mths)
Purchases
6 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).
ASDA - Cashback Credit Card
Purchases
6 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 Plus Credit Card
Purchases
6 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 Plus Credit Card Ex/C
Purchases
6 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).
Bank of Ireland (NI) - Ulster Rugby Credit Card
Purchases
6 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
17.9%

Representative variable

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).
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 - Classic Purchase Card - Excl
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).
Marbles - Credit Card (34.9%) - Semi Excl (3 Mths Purchase)
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).
Virgin Money - Balance Transfer Credit Card (26 Mths) - Semi Excl
Purchases
3 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
27.9%

Representative variable

Representative Example: If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 27.9% APR (variable).
Capital One - Balance Transfer Credit Card
Purchases
3 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).
Virgin Money - Balance Transfer Credit Card (28 Mths) - Semi Excl
Purchases
3 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
23.9%

Representative variable

Representative Example: If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 23.9% APR (variable).
HSBC - Advance 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).
HSBC - Balance Transfer Credit Card (28 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).
Virgin Money - Balance Transfer Credit Card (30 Mths)
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).
Sainsburys Bank - Nectar No Balance Transfer Fee 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 20.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).
Sainsburys Bank - Nectar Balance Transfer Credit Card (30 Mths)
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 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Tesco Bank - Clubcard Credit Card (Balance Transfer)
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).
Tesco Bank - Clubcard Credit Card (Money Transfer)
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).
Halifax - Balance Transfer Credit Card (28 Mths)
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 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).
Lloyds Bank - Platinum Balance Transfer Card (28 Mths)
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).
Santander - Everyday Credit Card
Purchases
3 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).
Creation Financial Services - Balance Transfer Card (20 Mths)
Purchases
3 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).
Creation Financial Services - Balance Transfer Card (12 Mths)
Purchases
3 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).
Bank of Ireland (NI) - Queen's Affinity Credit Card
Purchases
3 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
17.9%

Representative variable

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) - Student Credit Card
Purchases
3 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
17.9%

Representative variable

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 - Zero Credit Card
Purchases
1 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).
Tesco Bank - Clubcard Credit Card with Low APR
Purchases
1 Months

0% interest on Purchases

Fee
£0

Annual fee

Representative APR
5.9%

Representative variable

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).

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.