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.

Barclaycard

Purchases
25 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
19.9% APR
Representative
variable

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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)

Bank of Ireland (NI)

Purchases
24 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
17.9% APR
Representative
variable

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Representative example: When you spend £1,200 at a rate of 17.9% (variable per annum), your Representative APR is 17.9% 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

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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.
15.9% APR
Representative
variable

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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. 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)

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)

Barclaycard

Purchases
6 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)

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)

Barclaycard

Purchases
3 Months
0% interest on
Purchases

Fee
£0
Annual Fee

Representative APR.
34.9% APR
Representative
variable

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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

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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)

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)

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)

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.