Compare the best 0% purchase credit cards

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

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Intro Rate For PurchasesAPRInterest Free DaysAdditional InformationSearch all209 Credit Cards
 
Tesco Bank

Clubcard Credit Card for Purchases MasterCard
0.0% for 28 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. 
Sainsbury's Bank

Nectar Purchase Credit Card MasterCard
0.0% for 28 months.18.9%56 days
  • Earn Nectar points for spending on your card
  • No Contactless payments
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Post Office Money®

Post Office Money Matched MasterCard
0.0% for 27 months.18.9%56 days
  • 0% on purchases for 27 months
  • Rates dependent on credit rating
  • Manage your account online
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. 
Virgin Money

Virgin 27 Month Purchase Credit Card MasterCard
0.0% for 27 months.19.9%50 days
  • 0% on purchases for 27 months
  • High rate for cash withdrawals
  • Contactless payments up to £30
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Clydesdale Bank

Gold MasterCard
0.0% for 26 months.18.9%59 days
  • 0% on purchases for 26 months
  • Higher rates for cash withdrawals
  • 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 26 months.18.9%59 days
  • 0% on purchases for 26 months
  • Higher rates for cash withdrawals
  • 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. 
Halifax

Balance Transfer and Purchase Credit Card MasterCard
0.0% for 26 months.18.9%56 days
  • Balance transfer fee of 2.95%
  • Rates dependent on credit rating
  • To keep promo rate you must pay at least the min payment.
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
AA

Dual Credit Card MasterCard
0.0% for 26 months.18.9%56 days
  • 0% on purchases for 26 months
  • Rates dependent on credit rating
  • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Ltd is a credit broker and not a lender
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. 
nuba

All Round Credit Card MasterCard
0.0% for 26 months.18.9%49 days
  • % on balance transfers for 26 months
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
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. 
Barclaycard

Platinum Purchase and Balance Transfer Visa
0.0% for 25 months.18.9%56 days
  • Combination 0% on purchases and balance transfer
  • Can't change payment due date
  • Contactless payments up to £30
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. 
M&S Bank

MasterCard
0.0% for 25 months.18.9%55 days
  • Earn 1 point for every £1 spent at M&S
  • Rates dependent on credit rating
  • Emergency cash service available
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. 
Virgin Money

Virgin All Round Credit Card MasterCard
0.0% for 25 months.18.9%50 days
  • 0% on purchases and balance transfers for 25 months
  • High rate for cash withdrawals
  • Contactless payments up to £30
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. 
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Last Updated: Friday 9 December 2016 08:48

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:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. 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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