0% Purchase Credit Cards - Interest Free up to 28 mths | moneyfacts.co.uk

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 all154 Credit Cards
 
Post Office Money®

Post Office Money Online Platinum Mastercard
0.0% for 28 months.18.9%56 days
  • 0% on balance transfers for 18 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. 
Sainsbury's Bank

Purchase Credit Card Mastercard
0.0% for 28 months.19.9%56 days
  • Earn Nectar points for spending on your card
  • 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 19.95% variable per annum for purchases. Representative 19.9% APR variable. 
Tesco Bank

Clubcard Credit Card 28 Month for Purchases Mastercard
0.0% for 28 months.19.9%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 19.944% variable per annum for purchases. Representative 19.9% APR variable. 
MBNA Limited

MBNA All Round 28/28 Credit Card Visa
0.0% for 28 months.19.9%56 days
  • 0% on purchases and balance transfers for 28 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 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Barclaycard

Platinum Purchase and Balance Transfer Visa
0.0% for 27 months.19.9%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 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Halifax

Online 27 Month Purchase Credit Card Mastercard
0.0% for 27 months.19.9%56 days
  • 0% for 27 months on purchases
  • Rates dependent on credit rating
  • You may be offered alternative terms
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 19.95% 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... 
  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 Bank

Dual Offer Credit Card Mastercard
0.0% for 26 months.19.9%56 days
  • 0% for 26 months for both balance transfers & purchases
  • Rates dependent on credit rating
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.95% variable per annum for purchases. Representative 19.9% APR variable. 
HSBC

Dual Credit Card Visa
0.0% for 26 months.22.9%56 days
  • 0% balance transfers and purchases for 26 months
  • Rates dependent on credit rating
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable. 
Post Office Money®

Post Office Money Online Matched Mastercard
0.0% for 25 months.19.9%56 days
  • 0% on purchases and balance transfers for 25 months
  • Rates dependent on credit rating
  • Manage your account online
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. 
M&S Bank

Shopping Plus Mastercard
0.0% for 25 months.19.9%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 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Lloyds Bank

Online Platinum 24 Month Purchase and Balance Transfer Mastercard
0.0% for 24 months.19.9%56 days
  • 0% for 24 months on balance transfers and purchases
  • Rates dependent on credit rating
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.94% variable per annum for purchases. Representative 19.9% APR variable. 

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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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On this page:

  1. What are 0% purchase rate credit cards?
  2. How 0% purchase credit cards work
  3. What can you use a 0% purchase credit card for?
  4. Advantages
  5. Disadvantages

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 of 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 or a 0% interest credit card.

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

As long as a seller, 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 fees charged for withdrawing cash are usually extremely high, whether money is taken from a cash machine or in branch from the credit card provider. The same expensive fees are also likely to be charged if taking a cash advance. This can include buying travel money, or gambling.

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

Advantages

Big ticket spending - 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.

Flexibility - if you need to buy the groceries but payday is still a week away, you can put your spending on the card and then repay the balance once your salary hits your account.

Cashback and rewards - some credit cards have incentives to spend, including cashback and loyalty points, which can add up to a tidy additional sum.

Protection - 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.

Under the rules, your credit card provider is jointly responsible with the seller for the goods and services bought, whether it be a new sofa or a family holiday. So if you buy something which is faulty, substandard, or not delivered because a firm goes bust before they have given you what you have paid for, you should be able to get a refund from the card provider if you can't from the retailer.

Even if you use your credit card to only pay a deposit for something costing between £100 and £30,000 - and the deposit is less than £100 - you will still be protected to the full value of the goods or service purchased.

Disadvantages

High interest - if you don't clear the outstanding balance before the end of the interest-free period, or withdraw cash using your credit card the interest payments can be relatively high and quickly add up.

Additional fees - if you fail to make a minimum payment, go over your credit limit, a penalty fee will usually be applied.

Losing control - credit cards make it easy to spend money that you don’t have; always keep track of your spending and have a plan in place to repay your borrowing.

 
 
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