Card Purchases Annual Fee Representative APR

Santander

All in One Credit Card
30 Months 0% interest on purchases No Fee Annual Fee 21.7% APR Representative Variable Apply

MBNA Limited

All Round Credit Card
28 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Virgin Money

Purchase Credit Card (28m)
28 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Sainsburys Bank

Nectar Dual Offer Credit Card
27 Months 0% interest on purchases No Fee Annual Fee 20.9% APR Representative Variable Apply

Sainsburys Bank

Nectar Purchase Credit Card
27 Months 0% interest on purchases No Fee Annual Fee 20.9% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card (Purchase 26m)
26 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Virgin Money

All Round Credit Card (26m)
26 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Yorkshire Bank

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

Clydesdale Bank

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

nuba

all round credit card - semi excl
25 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Virgin Money

All Round Credit Card (24m) - Semi Excl
24 Months 0% interest on purchases No Fee Annual Fee 23.9% 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

M&S Bank

Shopping Plus Credit Card
20 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

M&S Bank

Shopping Plus Credit Card Ex/C
20 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (20/20 Mths)
20 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (20/20 Mths)
20 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (20/20 Mths)
20 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Creation Financial Services

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

Tesco Bank

Purchase card with 1000 points
20 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Virgin Money

All Round Credit Card (19m) - Semi Excl
19 Months 0% interest on purchases No Fee Annual Fee 27.9% APR Representative Variable Apply

Santander

World Elite Mastercard Ex/C
18 Months 0% interest on purchases No Fee Annual Fee 49.8% APR Representative Variable Apply

HSBC

Matched Credit Card
18 Months 0% interest on purchases No Fee Annual Fee 22.9% APR Representative Variable Apply

American Express

Rewards Purchases Credit Card
18 Months 0% interest on purchases No Fee Annual Fee 22.9% APR Representative Variable Apply

First Direct

Gold Credit Card
17 Months 0% interest on purchases No Fee Annual Fee 16.9% APR Representative Variable Apply

Tesco Bank

Clubcard Credit Card (All Round 15/15)
15 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

Debenhams

Credit Card
12 Months 0% interest on purchases No Fee Annual Fee 24.9% APR Representative Variable

Halifax

Balance Transfer Credit Card (24 Mths)
12 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (24 Mths)
12 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (24 Mths)
12 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Virgin Money

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

Tesco Bank

Clubcard Credit Card (All Round 12/12)
12 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable

Nationwide Building Society

Credit Card Ex/C
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

Bank of Scotland

Classic Card
9 Months 0% interest on purchases No Fee Annual Fee 27.9% APR Representative Variable Apply

HSBC

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

John Lewis

Partnership Card
9 Months 0% interest on purchases No Fee Annual Fee 18.9% APR Representative Variable Apply

ASDA

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

aqua

Classic Card - Semi Excl (6 Mths Purchase)
6 Months 0% interest on purchases No Fee Annual Fee 34.9% APR Representative Variable

ASDA

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

M&S Bank

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

M&S Bank

Transfer Plus Credit Card Ex/C
6 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Halifax

Balance Transfer Credit Card (20 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Bank of Scotland

Platinum Balance Transfer Card (20 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (20 Mths)
6 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

ASDA

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

M&S Bank

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

M&S Bank

Reward Plus Credit Card Ex/C
6 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Bank of Ireland (NI)

Ulster Rugby Credit Card
6 Months 0% interest on purchases No Fee Annual Fee 17.9% APR Representative Variable

Danske Bank

Standard Credit Card
5 Months 0% interest on purchases No Fee Annual Fee 22.9% APR Representative Variable Apply

Capital One

Classic Complete Card - Excl
4 Months 0% interest on purchases No Fee Annual Fee 34.9% APR Representative Variable Apply

The Co-operative Bank

Balance Transfer Credit Card Ex/C
4 Months 0% interest on purchases No Fee Annual Fee 20.6% APR Representative Variable Apply

Capital One

Classic Purchase Card - Excl
3 Months 0% interest on purchases No Fee Annual Fee 34.9% APR Representative Variable Apply

Marbles

Credit Card (34.9%) - Semi Excl (3 Mths Purchase)
3 Months 0% interest on purchases No Fee Annual Fee 34.9% APR Representative Variable Apply

Virgin Money

Balance Transfer Credit Card (26 Mths) - Semi Excl
3 Months 0% interest on purchases No Fee Annual Fee 27.9% APR Representative Variable Apply

Capital One

Balance Transfer Credit Card
3 Months 0% interest on purchases No Fee Annual Fee 24.9% APR Representative Variable

Virgin Money

Balance Transfer Credit Card (28 Mths) - Semi Excl
3 Months 0% interest on purchases No Fee Annual Fee 23.9% APR Representative Variable Apply

HSBC

Advance Credit Card Ex/C
3 Months 0% interest on purchases No Fee Annual Fee 21.9% APR Representative Variable Apply

HSBC

Balance Transfer Credit Card (28 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 21.9% APR Representative Variable Apply

Virgin Money

Balance Transfer Credit Card (30 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 20.9% APR Representative Variable Apply

Sainsburys Bank

Nectar No Balance Transfer Fee Credit Card
3 Months 0% interest on purchases No Fee Annual Fee 20.9% APR Representative Variable Apply

Sainsburys Bank

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

Tesco Bank

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

Tesco Bank

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

Halifax

Balance Transfer Credit Card (28 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Lloyds Bank

Platinum Balance Transfer Card (28 Mths)
3 Months 0% interest on purchases No Fee Annual Fee 19.9% APR Representative Variable Apply

Santander

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

Creation Financial Services

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

Creation Financial Services

Balance Transfer Card (12 Mths)
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

Santander

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

Tesco Bank

Clubcard Credit Card with Low APR
1 Months 0% interest on purchases No Fee Annual Fee 5.9% APR Representative Variable Apply

Santander

All in One Credit Card

MBNA Limited

All Round Credit Card

Virgin Money

Purchase Credit Card (28m)

Sainsburys Bank

Nectar Dual Offer Credit Card

Sainsburys Bank

Nectar Purchase Credit Card

Tesco Bank

Clubcard Credit Card (Purchase 26m)

Virgin Money

All Round Credit Card (26m)

Yorkshire Bank

Gold Credit Card

Clydesdale Bank

Gold Credit Card

nuba

all round credit card - semi excl

Virgin Money

All Round Credit Card (24m) - Semi Excl

Bank of Ireland (NI)

Matched Credit Card

M&S Bank

Shopping Plus Credit Card

M&S Bank

Shopping Plus Credit Card Ex/C

Halifax

Balance Transfer Credit Card (20/20 Mths)

Lloyds Bank

Platinum Balance Transfer Card (20/20 Mths)

Bank of Scotland

Platinum Balance Transfer Card (20/20 Mths)

Creation Financial Services

All Rounded Credit Card

Tesco Bank

Purchase card with 1000 points

Virgin Money

All Round Credit Card (19m) - Semi Excl

Santander

World Elite Mastercard Ex/C

HSBC

Matched Credit Card

American Express

Rewards Purchases Credit Card

First Direct

Gold Credit Card

Tesco Bank

Clubcard Credit Card (All Round 15/15)

Debenhams

Credit Card

Halifax

Balance Transfer Credit Card (24 Mths)

Lloyds Bank

Platinum Balance Transfer Card (24 Mths)

Bank of Scotland

Platinum Balance Transfer Card (24 Mths)

Virgin Money

Travel Credit Card

Tesco Bank

Clubcard Credit Card (All Round 12/12)

Nationwide Building Society

Credit Card Ex/C

Nationwide Building Society

Select Credit Card Ex/C

Bank of Scotland

Classic Card

HSBC

Premier Credit Card

John Lewis

Partnership Card

ASDA

Cashback Start Credit Card

aqua

Classic Card - Semi Excl (6 Mths Purchase)

ASDA

Cashback Plus Credit Card

M&S Bank

Transfer Plus Credit Card

M&S Bank

Transfer Plus Credit Card Ex/C

Halifax

Balance Transfer Credit Card (20 Mths)

Bank of Scotland

Platinum Balance Transfer Card (20 Mths)

Lloyds Bank

Platinum Balance Transfer Card (20 Mths)

ASDA

Cashback Credit Card

M&S Bank

Reward Plus Credit Card

M&S Bank

Reward Plus Credit Card Ex/C

Bank of Ireland (NI)

Ulster Rugby Credit Card

Danske Bank

Standard Credit Card

Capital One

Classic Complete Card - Excl

The Co-operative Bank

Balance Transfer Credit Card Ex/C

Capital One

Classic Purchase Card - Excl

Marbles

Credit Card (34.9%) - Semi Excl (3 Mths Purchase)

Virgin Money

Balance Transfer Credit Card (26 Mths) - Semi Excl

Capital One

Balance Transfer Credit Card

Virgin Money

Balance Transfer Credit Card (28 Mths) - Semi Excl

HSBC

Advance Credit Card Ex/C

HSBC

Balance Transfer Credit Card (28 Mths)

Virgin Money

Balance Transfer Credit Card (30 Mths)

Sainsburys Bank

Nectar No Balance Transfer Fee Credit Card

Sainsburys Bank

Nectar Balance Transfer Credit Card (30 Mths)

Tesco Bank

Clubcard Credit Card (Balance Transfer)

Tesco Bank

Clubcard Credit Card (Money Transfer)

Halifax

Balance Transfer Credit Card (28 Mths)

Lloyds Bank

Platinum Balance Transfer Card (28 Mths)

Santander

Everyday Credit Card

Creation Financial Services

Balance Transfer Card (20 Mths)

Creation Financial Services

Balance Transfer Card (12 Mths)

Bank of Ireland (NI)

Queen's Affinity Credit Card

Bank of Ireland (NI)

Student Credit Card

Santander

Zero Credit Card

Tesco Bank

Clubcard Credit Card with Low APR

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.


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