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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Intro Rate For PurchasesAPRInterest Free DaysAdditional InformationSearch all240 Credit Cards
 
Post Office Money®

Post Office Money Online Matched MasterCard
0.0% for 25 months.18.9%56 days
  • 0% on purchases for 25 months
  • No Contactless payments
  • Manage your account online
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. 
Virgin Money

Virgin All Round Credit Card MasterCard
0.0% for 24 months.18.9%50 days
  • 0% on purchases and balance transfers for 24 months
  • High rate for cash withdrawals
  • Contactless payments up to £20
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Santander

123 Credit Card MasterCard
0.0% for 23 months.16.5%56 days
  • 3% cashback on fuel/train fares, capped at £300 pm
  • Annual fee of £24
  • 1% on supermarket & 2% on department store.
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 12.7% variable per annum for purchases. Annual fee of £24 applies. Representative 16.5% APR variable. 
Halifax

Purchase Credit Card MasterCard
0.0% for 21 months.18.9%56 days
  • 0% for up to 21 months on purchases
  • High balance transfer fee
  • To keep promo rate you must pay at least the min payment.
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Tesco Bank

Clubcard Credit Card for Purchases MasterCard
0.0% for 21 months.18.9%51 days
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • No fees on Tesco travel money
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.941% variable per annum for purchases. Representative 18.9% APR variable. 
Clydesdale Bank

Gold MasterCard
0.0% for 20 months.18.9%59 days
  • One of the longest 0% purchase periods available
  • No online fraud guarantee
  • Secure online shopping with MasterCard SecureCode
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
Yorkshire Bank

Gold MasterCard
0.0% for 20 months.18.9%59 days
  • One of the longest 0% purchase periods available
  • No online fraud guarantee
  • Secure online shopping with MasterCard SecureCode
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
TSB

Platinum Purchase MasterCard
0.0% for 20 months.18.9%56 days
  • 0% for 20 months on purchases and balance transfers
  • Rates dependent on credit rating
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.94% variable per annum for purchases. Representative 18.9% APR variable. 
MBNA Limited

MBNA Everyday 20/20 Credit Card Visa
0.0% for 20 months.18.9%50 days
  • Low introductory balance transfer fee of 1.50%
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
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. 
AA

Dual Credit Card MasterCard
0.0% for 20 months.19.9%56 days
  • 0% on purchases and balance transfers for 20 months
  • No online fraud guarantee
  • Max balance transfer - credit limit less £200
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Lloyds Bank

Online 19 Month Platinum Purchase MasterCard
0.0% for 19 months.18.9%56 days
  • Balance transfer fee of 1.0%
  • Can't change payment due date
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.94% variable per annum for purchases. Representative 18.9% APR variable. 
Bank of Scotland

19 Month Platinum Purchase MasterCard
0.0% for 19 months.18.9%56 days
  • Emergency card replacement
  • £5 charge if you need to change payment due date
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
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Last Updated: Saturday 1 August 2015 00:19

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

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.

 

 

 
 
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