Card Purchases Annual Fee Representative APR

AA

Dual Credit Card
26 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Barclaycard

Barclaycard Platinum With BT (25 Mths)
25 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

MBNA Limited

All Round Credit Card
25 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

M&S Bank

Credit Card Ex/C
25 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Lloyds Bank

Choice Rewards Credit Card (MCard)
24 Months 0% interest on purchases £24 Annual Fee 23.7% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (24/24 Mths)
24 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (24/24 Mths)
24 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (24/24 Mths)
24 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Bank of Ireland (NI)

Matched Credit Card
24 Months 0% interest on purchases No Fee Annual Fee 17.9% APR Representative Variable Apply

Santander

123 Credit Card
23 Months 0% interest on purchases £36 Annual Fee 18.4% APR Representative Variable Apply

TSB

Platinum Purchase Card
20 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

TSB

Platinum Purchase Card Ex/C
20 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable

Santander

Credit Card
15 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Barclaycard

Freedom Rewards
12 Months 0% interest on purchases No Fee Annual Fee 21.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (32 Mths)
12 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (32 Mths)
12 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (32 Mths)
12 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Nationwide Building Society

Credit Card
12 Months 0% interest on purchases No Fee Annual Fee 17.9% APR Representative Variable Apply

Nationwide Building Society

Select Credit Card Ex/C
12 Months 0% interest on purchases No Fee Annual Fee 15.9% APR Representative Variable Apply

TSB

Classic Card - Branch Ex/C
10 Months 0% interest on purchases No Fee Annual Fee 25.9% APR Representative Variable

Bank of Scotland

Classic Card
9 Months 0% interest on purchases No Fee Annual Fee 25.9% APR Representative Variable Apply

Barclaycard

Initial Credit Card
6 Months 0% interest on purchases No Fee Annual Fee 34.9% APR Representative Variable Apply

ASDA

Cashback Plus Credit Card
6 Months 0% interest on purchases No Fee Annual Fee 26.2% APR Representative Variable

MBNA Limited

Credit Card
6 Months 0% interest on purchases No Fee Annual Fee 25.8% APR Representative Variable Apply

ASDA

Cashback Credit Card
6 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (41 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (40 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (40 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Barclaycard

Platinum With Balance Transfer (37 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Barclaycard

Platinum With Balance Transfer (32 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (25 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Barclaycard

Platinum With Balance Transfer (24 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable

Barclaycard

Platinum With Balance Transfer (21 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (20 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (20 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Amnesty International

Standard Credit Card
6 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

The Co-operative Bank

Balance Transfer Credit Card
4 Months 0% interest on purchases No Fee Annual Fee 18% APR Representative Variable Apply

Barclaycard

Platinum With Balance Transfer (18 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 24.9% APR Representative Variable Apply

Miles & More

Credit Card (Visa)
3 Months 0% interest on purchases No Fee Annual Fee 22.9% APR Representative Variable Apply

Virgin Money

Virgin Balance Transfer Credit Card (41 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 20.9% APR Representative Variable Apply

Virgin Money

Virgin Balance Transfer Credit Card (36 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 20.9% APR Representative Variable Apply

Virgin Money

Virgin Money Transfer Credit Card (36 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 20.9% APR Representative Variable Apply

Virgin Money

Virgin Balance Transfer Credit Card (34 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Virgin Money

Virgin Money Transfer Credit Card (32 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Virgin Money

Virgin Balance Transfer Credit Card (30 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

AA

Balance Transfer Credit Card
3 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Sainsburys Bank

Nectar Long Balance Transfer Credit Card Ex/C
3 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable

Post Office Money

Balance Transfer Credit Card
3 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

TSB

Platinum Balance Transfer Card - (28 Mths) Ex/C
3 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable

Creation Financial Services

Balance Transfer Card
3 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Bank of Ireland (NI)

Queen's Affinity Credit Card
3 Months 0% interest on purchases No Fee Annual Fee 17.9% APR Representative Variable Apply

Bank of Ireland (NI)

Student Credit Card
3 Months 0% interest on purchases No Fee Annual Fee 17.9% APR Representative Variable Apply

Post Office Money

Platinum Card
3 Months 0% interest on purchases No Fee Annual Fee 17.8% APR Representative Variable Apply

TSB

Advance Credit Card Ex/C
3 Months 0% interest on purchases No Fee Annual Fee 7.9% APR Representative Variable

TSB

TSB Low rate Advance Mastercard
3 Months 0% interest on purchases No Fee Annual Fee 7.9% APR Representative Variable Apply

Tesco Bank

Premium Clubcard Credit Card
1 Months 0% interest on purchases £150 Annual Fee 56.5% APR Representative Variable

AA

Dual Credit Card

Barclaycard

Barclaycard Platinum With BT (25 Mths)

MBNA Limited

All Round Credit Card

M&S Bank

Credit Card Ex/C

Lloyds Bank

Choice Rewards Credit Card (MCard)

Halifax

Balance Transfer Credit Card (24/24 Mths)

Lloyds Bank

Platinum Balance Transfer Card (24/24 Mths)

Bank of Scotland

Platinum Balance Transfer Card (24/24 Mths)

Bank of Ireland (NI)

Matched Credit Card

Santander

123 Credit Card

TSB

Platinum Purchase Card

TSB

Platinum Purchase Card Ex/C

Santander

Credit Card

Barclaycard

Freedom Rewards

Halifax

Balance Transfer Credit Card (32 Mths)

Lloyds Bank

Platinum Balance Transfer Card (32 Mths)

Bank of Scotland

Platinum Balance Transfer Card (32 Mths)

Nationwide Building Society

Credit Card

Nationwide Building Society

Select Credit Card Ex/C

TSB

Classic Card - Branch Ex/C

Bank of Scotland

Classic Card

Barclaycard

Initial Credit Card

ASDA

Cashback Plus Credit Card

MBNA Limited

Credit Card

ASDA

Cashback Credit Card

Halifax

Balance Transfer Credit Card (41 Mths)

Lloyds Bank

Platinum Balance Transfer Card (40 Mths)

Bank of Scotland

Platinum Balance Transfer Card (40 Mths)

Barclaycard

Platinum With Balance Transfer (37 Mths)

Barclaycard

Platinum With Balance Transfer (32 Mths)

Halifax

Balance Transfer Credit Card (25 Mths)

Barclaycard

Platinum With Balance Transfer (24 Mths)

Barclaycard

Platinum With Balance Transfer (21 Mths)

Bank of Scotland

Platinum Balance Transfer Card (20 Mths)

Lloyds Bank

Platinum Balance Transfer Card (20 Mths)

Amnesty International

Standard Credit Card

The Co-operative Bank

Balance Transfer Credit Card

Barclaycard

Platinum With Balance Transfer (18 Mths)

Miles & More

Credit Card (Visa)

Virgin Money

Virgin Balance Transfer Credit Card (41 Mths)

Virgin Money

Virgin Balance Transfer Credit Card (36 Mths)

Virgin Money

Virgin Money Transfer Credit Card (36 Mths)

Virgin Money

Virgin Balance Transfer Credit Card (34 Mths)

Virgin Money

Virgin Money Transfer Credit Card (32 Mths)

Virgin Money

Virgin Balance Transfer Credit Card (30 Mths)

AA

Balance Transfer Credit Card

Sainsburys Bank

Nectar Long Balance Transfer Credit Card Ex/C

Post Office Money

Balance Transfer Credit Card

TSB

Platinum Balance Transfer Card - (28 Mths) Ex/C

Creation Financial Services

Balance Transfer Card

Bank of Ireland (NI)

Queen's Affinity Credit Card

Bank of Ireland (NI)

Student Credit Card

Post Office Money

Platinum Card

TSB

Advance Credit Card Ex/C

TSB

TSB Low rate Advance Mastercard

Tesco Bank

Premium Clubcard Credit Card

0% Purchase Fee Credit Cards

How a 0% balance transfer card works

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.