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.
MBNA Limited
Purchases
30 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
19.9% APR
Representative
variable
See Deal
Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% APR (variable)
Santander
Purchases
30 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
18.9% APR
Representative
variable
See Deal
0% for 30 months on balance transfers and purchases from the date of account opening. 2.75% balance transfer fee applies during the introductory period. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch.
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)
Post Office Money
Purchases
30 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
18.9% APR
Representative
variable
See Deal
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 balance transfers for the first 30 months*. 0% on balance transfers for 30 months. No cash fee on Travel Money at the Post Office with the Post Office Money Matched Card.
*A 2.75% fee applies and balance transfers must be made within 3 months of account opening.Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)
AA
Purchases
30 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
18.9% APR
Representative
variable
See Deal
0% for 18 months on balance transfers made in the first 3 months. A 2.70% fee applies to balance transfers. 0% on all purchases for 28 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.
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% 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
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.
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)
Virgin Money
Purchases
27 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
18.9% APR
Representative
variable
See Deal
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 22.9% (variable per annum), your Representative APR is 22.9% APR (variable)
Barclaycard
Purchases
25 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
19.9% APR
Representative
variable
See Deal
0% interest on purchases for 25 months and 0% interest for 25 months on balance transfers (1.49% transfer fee applies). A fee of 3% will be applied, then reduced to 1.49% by a refund (terms and conditions apply).
Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% 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: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 17.9% (variable per annum), your Representative APR is 17.9% APR (variable)
TSB
Purchases
20 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
18.9% APR
Representative
variable
See Deal
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 June 2018 (terms and conditions apply).
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 49.8% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 22.9% (variable per annum), your Representative APR is 22.9% APR (variable)
Barclaycard
Purchases
12 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
21.9% APR
Representative
variable
See Deal
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.
Representative example: When you spend £1,200 at a rate of 21.9% (variable per annum), your Representative APR is 21.9% APR (variable)
Nationwide Building Society
Purchases
12 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
17.9% APR
Representative
variable
See Deal
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. Just for Nationwide members. Our credit cards are just for members. You're a member when you have a current account, mortgage or savings account with us
Representative example: When you spend £1,200 at a rate of 17.9% (variable per annum), your Representative APR is 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
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.Just for Nationwide members. Our credit cards are just for members. You're a member when you have a current account, mortgage or savings account with us
Representative example: When you spend £1,200 at a rate of 15.9% (variable per annum), your Representative APR is 15.9% 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: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% 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: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 34.9% APR (variable)
Santander
Purchases
6 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
21.7% APR
Representative
variable
See Deal
0% for 43 months on balance transfers and purchases from the date of account opening. 0.00% balance transfer fee applies during the introductory period. No monthly fee for 6 months on the All in One Credit Card if you have a 1|2|3 current account. Qualifying criteria applies. A £3 monthly fee applies. Apple pay - Pay with your iPhone, iPad or Apple Watch.
Representative example: When you spend £1,200 at a rate of 21.7% (variable per annum), your Representative APR is 21.7% APR (variable)
Barclaycard
Purchases
6 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
19.9% APR
Representative
variable
See Deal
0% interest on balance transfers for 39 months from account opening (1.45% handling fee applies). A fee of 3.5% will be applied, then reduced to 1.45% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 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
0% interest on balance transfers for 32 months from account opening (0.60% fee applies). A fee of 3.5% will be applied, then reduced to 0.60% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.
Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 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
0% for 25 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
Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% 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: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 34.9% APR (variable)
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: When you spend £1,200 at a rate of 18% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 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
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.
Representative example: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 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
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.
Representative example: When you spend £1,200 at a rate of 24.9% (variable per annum), your Representative APR is 24.9% APR (variable)
Miles & More
Purchases
3 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
22.9% APR
Representative
variable
See Deal
Representative example: When you spend £1,200 at a rate of 22.9% (variable per annum), your Representative APR is 22.9% 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: When you spend £1,200 at a rate of 20.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 20.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 20.9% (variable per annum), your Representative APR is 20.9% APR (variable)
Virgin Money
Purchases
3 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
19.9% APR
Representative
variable
See Deal
Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% 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
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. A 1.99% 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.
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)
AA
Purchases
3 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
18.9% APR
Representative
variable
See Deal
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% 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: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)
HSBC
Purchases
3 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
18.9% APR
Representative
variable
See Deal
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)
TSB
Purchases
3 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
18.9% APR
Representative
variable
See Deal
0% interest for up to 28 months on balance transfers (0.50% Balance Transfer Fee applies). £100 minimum balance transfer. Subject to status and lending criteria. 0% on purchases for the first 3 months.
Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 17.9% (variable per annum), your Representative APR is 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: When you spend £1,200 at a rate of 17.9% (variable per annum), your Representative APR is 17.9% APR (variable)
TSB
Purchases
3 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
7.9% APR
Representative
variable
See Deal
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 June 2018 (terms and conditions apply).
Representative example: When you spend £1,200 at a rate of 7.9% (variable per annum), your Representative APR is 7.9% APR (variable)
AA
Purchases
3 Months
0% interest on
Purchases
Fee
£0
Annual Fee
Representative APR.
5.85% APR
Representative
variable
See Deal
5.85% p.a. (variable) interest on purchases and balance transfers. No fee to make balance transfers. No annual fee. AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Representative example: When you spend £1,200 at a rate of 5.85% (variable per annum), your Representative APR is 5.85% 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: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)
fee Credit Cards
How do 0% 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
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
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 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
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.
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