How do 0% purchase credit cards work?

0% purchase credit cards work by not charging interest on spending made using the card during the pre-defined interest-free period. At the end of the introductory interest-free period, interest will then start to be charged on the amount borrowed at the provider's standard purchase rate.

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Santander Logo
Santander All in One Credit Card Mastercard
Intro Rate For Purchases
0.0% for 26 months.
APR
21.7%
Additional Information
0.5% cashback on purchases
Monthly fee of £3
Manage your card online
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 15.9% variable per annum for purchases. Fee of £3 per month applies. Representative 21.7% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £7500.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges, monthly fee plus 1% of the outstanding balance plus any arrears.

Standard Interest Rates

For purchase
Monthly 1.241%
APR 21.7%
For cash withdrawals
Monthly 2.207%
Annual 29.90%
For balance transfers
Monthly 1.241%
Annual 15.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee £3.00 per month
Balance transfer fee 3.00% - Min £5.00
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
Sainsbury's Bank Logo
Sainsbury's Bank Dual Offer Credit Card Mastercard
Intro Rate For Purchases
0.0% for 22 months.
APR
20.9%
Additional Information
0% for 22 months for both balance transfers & purchases
Rates dependent on credit rating
Manage your card online
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 20.95% variable per annum for purchases. Representative 20.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £10000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.3% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.597%
APR 20.9%
For cash withdrawals
Monthly 1.941%
Annual 25.95%
For balance transfers
Monthly 1.597%
Annual 20.95%
For money transfers
Monthly 1.941%
Annual 25.95%

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 3.00% - Min £3.00
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee 4.00% - Min £4.00
Using a card abroad
European Union 2.75%
Worldwide 2.75%

Additional Information

Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
M&S Bank Logo
M&S Bank Shopping Plus Mastercard
Intro Rate For Purchases
0.0% for 20 months.
APR
19.9%
Additional Information
Earn 1 point for every £1 spent at M&S
Rates dependent on credit rating
Emergency cash service available
Go To Provider's 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.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.5% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.527%
APR 19.9%
For cash withdrawals
Monthly 1.805%
Annual 23.90%
For balance transfers
Monthly 1.527%
Annual 19.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 55
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 2.90% - Min £5.00
Cash withdrawal fee 2.99% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

1 point will be earned for every full £1 spent in Marks and Spencer's UK stores, internet, outlets and Simply Food. 1 point will be earned for every £5 spent outside of Marks & Spencer. 100 points = £1 reward voucher. Points will be converted into reward vouchers four times a year and sent to the customers with the Loyalty statement. Remaining points will be carried over to the next collection period. Rewards vouchers can be redeemed in all Marks and Spencer's UK stores and online. Points cannot be exchanged for cash or gift vouchers.
Virgin Money Logo
Virgin Money 23 Month All Round Credit Card Mastercard
Intro Rate For Purchases
0.0% for 20 months.
APR
21.9%
Additional Information
0% on balance transfers for 23 months
High rate for cash withdrawals
Contactless payments up to £30
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 21.9% variable per annum for purchases. Representative 21.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £7000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £25.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.667%
APR 21.9%
For cash withdrawals
Monthly 2.075%
Annual 27.90%
For balance transfers
Monthly 1.667%
Annual 21.90%
For money transfers
Monthly 1.805%
Annual 23.90%

Benefits and Features

Interest free days (purchase) 50
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 5.00% - No minimum charge
Cash withdrawal fee 5.00% - No minimum charge
Money transfer fee 5.00% - No minimum charge
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
Nationwide BS Logo
Nationwide BS Select Credit Card Visa
Intro Rate For Purchases
0.0% for 12 months.
APR
15.9%
Additional Information
Commission-free purchases abroad
Must be main current account holder
Manage your card online
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 15.9% variable per annum for purchases. Representative 15.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £5000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £25.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.241%
APR 15.9%
For cash withdrawals
Monthly 1.241%
Annual 15.90%
For balance transfers
Monthly 1.241%
Annual 15.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 2.40% - Min £5.00
Cash withdrawal fee 2.50% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
Nationwide BS Logo
Nationwide BS Credit Card Visa
Intro Rate For Purchases
0.0% for 12 months.
APR
17.9%
Additional Information
Earn commission-free purchases abroad during the year
Rates dependent on credit rating
Manage your card online or with the mobile app
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 17.9% variable per annum for purchases. Representative 17.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £5000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £25.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.385%
APR 17.9%
For cash withdrawals
Monthly 1.385%
Annual 17.90%
For balance transfers
Monthly 1.385%
Annual 17.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 2.40% - Min £5.00
Cash withdrawal fee 2.50% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.00%
Worldwide 2.00%

Additional Information

Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
Santander Logo
Santander Zero Credit Card Mastercard
Intro Rate For Purchases
0.0% for 12 months.
APR
18.9%
Additional Information
0% on purchase for 12 months
No balance transfers from Santander Group cards
Manage your card online
Go To Provider's 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.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £7500.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance plus any arrears.

Standard Interest Rates

For purchase
Monthly 1.457%
APR 18.9%
For cash withdrawals
Monthly 1.457%
Annual 18.90%
For balance transfers
Monthly 1.457%
Annual 18.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 3.00% - Min £5.00
Cash withdrawal fee No charge
Money transfer fee Money transfer not available
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
Virgin Money Logo
Virgin Money 12 Month Travel Credit Card Mastercard
Intro Rate For Purchases
0.0% for 12 months.
APR
21.9%
Additional Information
No foreign transaction fees
High rate for cash withdrawals
Contactless payments up to £30
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 21.9% variable per annum for purchases. Representative 21.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £7000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £25.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.667%
APR 21.9%
For cash withdrawals
Monthly 2.075%
Annual 27.90%
For balance transfers
Monthly 1.667%
Annual 21.90%
For money transfers
Monthly 1.805%
Annual 23.90%

Benefits and Features

Interest free days (purchase) 50
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 5.00% - No minimum charge
Cash withdrawal fee 3.00% - No minimum charge
Money transfer fee 5.00% - No minimum charge
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
Barclaycard Logo
Barclaycard Platinum 28 Month Balance Transfer Visa
Intro Rate For Purchases
0.0% for 6 months.
APR
19.9%
Additional Information
0% for 28 months on balance transfers
Can't change payment due date
Contactless payments up to £30
Go To Provider's 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.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 21 years
Minimum income £20000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.3% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.523%
APR 19.9%
For cash withdrawals
Monthly 2.071%
Annual 27.90%
For balance transfers
Monthly 1.523%
Annual 19.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 3.50% - No minimum charge
Cash withdrawal fee 2.99% - Min £2.99
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
Santander Logo
Santander Everyday Credit Card Mastercard
Intro Rate For Purchases
0.0% for 3 months.
APR
18.9%
Additional Information
24 hour customer service
No balance transfers from Santander Group cards
Manage your card online
Go To Provider's 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.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £7500.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance plus any arrears.

Standard Interest Rates

For purchase
Monthly 1.457%
APR 18.9%
For cash withdrawals
Monthly 2.207%
Annual 29.90%
For balance transfers
Monthly 1.457%
Annual 18.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 3.00% - Min £5.00
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.95%
Worldwide 2.95%

Additional Information

-
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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.

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Compare 0% purchase credit cards

nigel woollsey

Nigel Woollsey

Online Writer

At a glance

  • 0% purchase cards offer you an introductory period that allows you to pay off purchases without accruing interest.
  • Once the agreed interest-free period ends, interest will be charged against any remaining outstanding balance.
  • Hefty fees and interest may apply when withdrawing cash, so make sure you only use your card for purchases.

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.

What are 0% purchase rate credit cards?

Whether you are buying everyday goods and services or making a large purchase, 0% purchase credit cards offer the opportunity to spread the cost of your spending without having to pay interest for a specified period.

Moneyfacts tip

Moneyfacts tip nigel woollsey

Are you credit invisible or have you hit a road bump with your credit? Credit builder cards can help you to rebuild your profile, all you need to do is keep making repayments on time.

How 0% purchase credit cards work

0% purchase credit cards work by not charging interest on spending made using the card during the pre-defined interest-free period. It is possible to spend up to a pre-set credit limit, which might be a few hundred pounds or may be several thousands of pounds, depending on your individual situation.

At the end of the introductory interest-free period, interest will then start to be charged on the amount borrowed at the provider's standard purchase rate. For this reason, it is best to try and pay off as much of the balance as possible before the interest-free period ends.

At the very least, a minimum payment – as set out by the provider – must be paid each month, even during the interest-free period. Setting up a standing order or a direct debit is the best way to make sure minimum payments are always paid. If a minimum payment is missed, a penalty fee may be charged, the interest-free period may be withdrawn, and your credit rating could also be adversely affected.

Given the need to try and clear the borrowing before the introductory period ends, and so avoid paying the standard purchase rate, it makes sense to pay more than the minimum payment if you can. Indeed, when spending using a 0% purchase credit card, it is sensible to have in mind your own personal 'credit limit', that you think you will be able to repay within the introductory period and make your own repayment plan. One option is to divide the total balance owed by the number of interest-free months the card offers, giving you an evenly split amount to pay off each month. Alternatively, it may be the case that you only want to make the minimum payment each month, and then save up enough to pay off the rest just before the interest-free period ends.

Once the interest-free period does come to an end, interest will start to be charged on any outstanding balances and on any further purchases. At this point, it may be sensible to transfer an outstanding balance to a 0% balance transfer credit card, giving you more time to pay off the debt interest-free. If you plan to carry on spending, it will probably be best to look for another 0% purchase credit card.

What can you use a 0% purchase credit card for?

Most sellers, whether they are on the high street or online, will accept credit card payments – it is usually possible to use a 0% purchase credit card for any purchase.

It is also possible, but not necessarily advisable, to use a 0% purchase credit card to withdraw cash. The interest charged for withdrawing cash is usually extremely high. The same expensive fees are also likely to be charged if taking other types of cash advances, which can include buying travel money, or gambling.

Some 0% purchase credit cards also allow balance transfers and money transfers, but the interest-free periods can be shorter, and the fees potentially higher, than if opting for a credit card specifically aimed at these types of transaction.

Pros and cons of 0% purchase credit cards

  • If you want to make an expensive purchase, and don't have the money saved up, a 0% purchase credit card allows you to pay for the item in full and then spread the cost over a number of months. Provided the balance is paid off in full before the interest-free period ends, no interest will be charged.
  • Some credit cards have incentives to spend, including cashback and loyalty points, which can add up to a tidy additional sum.
  • When buying something with your credit card worth between £100 and £30,000, you have certain rights under the Consumer Credit Act 1974, which mean you could get your money back should anything go wrong.
  • If you don't clear the outstanding balance before the end of the interest-free period, you will likely be charged a high interest rate on any outstanding balance.
  • When withdrawing cash using your credit card, interest payments can be high and accumulate quickly.
  • If you fail to make a minimum payment or go over your credit limit, a penalty fee will usually be applied and you could lose your 0% deal.

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