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Compare 0% purchase credit cards

  - Spread the cost of a purchase interest free! Compare 0% interest credit cards and repay your debt for free before the 0% period ends.
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Compare the best 0% Purchase Credit Card

Compare
Up to 3 products
side by side 		Intro Rate For PurchasesAPRInterest Free DaysAdditional InformationSearch all
225 Credit Cards
 
Marks & Spencer Money

MasterCard		0.0% for 15 months.15.9%55 days
  • Earn 1 point for every £1 spent at M&S
  • Rates dependent on credit rating
  • Emergency cash service available
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 15.9% variable per annum for purchases. Representative 15.9% APR variable. 
Tesco Bank

Clubcard Credit Card MasterCard		0.0% for 15 months.16.9%51 days
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • No fees on Tesco travel money
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.945% variable per annum for purchases. Representative 16.9% APR variable. 
Halifax

All in One MasterCard		0.0% for 15 months.17.9%59 days
  • Emergency card replacement
  • Rates dependent on credit rating
  • If accepted at 23.9% APR, you may not get the 0% period
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Representative 17.9% APR variable. 
Barclaycard

Platinum with Purchase Visa		0.0% for 14 months.18.9%56 days
  • Earn and spend Reward Money with Barclaycard Freedom
  • Can't change payment due date
  • Contactless payments up to £15
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
NatWest

YourPoints World MasterCard		0.0% for 13 months.17.9%56 days
  • Extra 2,500 points after taking out a card
  • No transfers from RBS Group cards
  • Manage your card online
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Representative 17.9% APR variable. 
Virgin Money

Purchase Credit Card MasterCard		0.0% for 13 months.18.9%50 days
  • Get exclusive offers within the Virgin Group
  • No balance transfers from MBNA cards
  • Contactless payments up to £15
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Sainsbury's Finance

Credit Card Nectar Holders MC		0.0% for 12 months.16.9%56 days
  • 0% for a year on purchases and balance transfers
  • Rates dependent on credit rating
  • Nectar Cardholders only. You can't earn Nectar points with this card
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.94% variable per annum for purchases. Representative 16.9% APR variable. 
Bank of Scotland

All in One MasterCard		0.0% for 12 months.17.9%59 days
  • Emergency card replacement
  • £5 charge if you need to change payment due date
  • Manage your card online
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Representative 17.9% APR variable. 
AA

The Credit Card Visa		0.0% for 10 months.16.9%50 days
  • Redeem points on AA products, motoring and more
  • No balance transfers from MBNA cards
  • Contactless payments up to £15
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
SAGA

Over 50's Platinum Visa		0.0% for 9 months.11.9%55 days
  • Discounts within the Saga travel group
  • No transfers from other Allied Irish Bank cards
  • Emergency cash service available
Details...
Proceed		 
  Representative Example: Based on a credit limit of £1200.00 charged at 11.9% variable per annum for purchases. Representative 11.9% APR variable. 
MBNA Europe Bank

Play.com Visa		0.0% for 9 months.16.9%50 days
  • Spend £150 in first 90 days for 1,500 extra points
  • No balance transfers from MBNA cards
  • Contactless payments up to £15
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
Metro Bank

Personal Credit Card MasterCard		0.0% until 30.09.201213.0%60 days
  • No commission on purchases made abroad
  • Can't change payment due date
  • Have/open Metro Bank current account to be eligible
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 13.0% variable per annum for purchases. Representative 13.0% APR variable. 
Disclaimer:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.

Moneyfacts.co.uk Limited is an independent credit broker. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

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What are 0% purchase rate credit cards?

If you want to make a big purchase (or several purchases) and you don’t have the money upfront, a purchase credit card is a very flexible way of buying now and paying later.

Any purchases you make are not charged interest for an initial period. This means that (providing you repay the balance in full before the introductory period ends) you can borrow money far more cheaply than with a personal loan – indeed some people use their credit card in this way even if they have enough money saved to make their purchase(s). By keeping money in a savings account, you can actually earn money for borrowing!

Serial spenders beware!


A 0% purchase rate credit card can be carte blanche for a serial spender. When making purchases think about how you will repay them, set yourself your own ‘credit limit’ (this should be an amount that you can afford to repay within the introductory period – you may well find that this differs considerably to the credit limit that your card provider offers you) and make your own repayment plan – you may be able to set up a Standing Order for a fixed amount, or (more rarely) sometimes a Direct Debit for a fixed percentage of the balance to help with this.

No cash advance warning!


Avoid using your credit card to withdraw cash and then make purchases. This is because the 0% deal is only applicable to purchases made in a shop, by directly using the card.

If you withdraw cash to pay, not only do you not benefit from the 0% deal, providers will usually reserve their highest interest rates for “cash advances”, as well as charging a fee (usually around the greater of 3% or £3). You will also normally be charged interest on cash you withdraw from day one, as opposed to purchases which normally have a grace period of up to two months!

It doesn’t end there though; by withdrawing cash using your credit card you also don’t get the purchase protection afforded by the Consumer Credit Act. This protects any purchases you make using your credit card (for purchases of between £100 and £30,000 in value), as your bank becomes equally liable in the event that they’re not delivered, or that they’re delivered with a fault.