Interest free credit card purchases for up to 26 months | moneyfacts.co.uk

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Compare the best purchase credit cards

Compare the best purchase credit cards

We update rates and credit card information throughout the day to help you find the right credit card with a 0% purchase period.

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Best Purchase Credit Cards

Best Purchase Credit Cards

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  • Barclaycard Platinum All-Rounder Visa
    Total Cost of Borrowing
    £3,000 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    21 Months
    APR
    21.9%
    Time to Payback
    15 months
    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.
  • Virgin Money 19 Month All Round Credit Card Mastercard
    Total Cost of Borrowing
    £3,000 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    19 Months
    APR
    21.9%
    Time to Payback
    15 months
    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.
  • HSBC Purchase Plus Credit Card Visa
    Total Cost of Borrowing
    £3,000 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    18 Months
    APR
    22.9%
    Time to Payback
    15 months
    Go To Provider's Site
    Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable.
  • HSBC Balance Transfer Credit Card Visa
    Total Cost of Borrowing
    £3,299 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    3 Months
    APR
    21.9%
    Time to Payback
    17 months
    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.
  • NatWest Balance Transfer Credit Card Mastercard
    Total Cost of Borrowing
    £3,299 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    3 Months
    APR
    21.9%
    Time to Payback
    17 months
    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.
  • Royal Bank of Scotland Balance Transfer Credit Card Mastercard
    Total Cost of Borrowing
    £3,299 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    3 Months
    APR
    21.9%
    Time to Payback
    17 months
    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.
  • Virgin Money 27 Month Balance Transfer Credit Card Mastercard
    Total Cost of Borrowing
    £3,299 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    3 Months
    APR
    21.9%
    Time to Payback
    17 months
    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.
  • Virgin Money 29 Month Balance Transfer Credit Card Mastercard
    Total Cost of Borrowing
    £3,299 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    3 Months
    APR
    21.9%
    Time to Payback
    17 months
    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.
  • Barclaycard Forward Credit Card Visa
    Total Cost of Borrowing
    £3,480 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    3 Months
    APR
    33.9%
    Time to Payback
    18 months
    Go To Provider's Site
    Representative Example: Based on a credit limit of £1200.00 charged at 33.9% variable per annum for purchases. Representative 33.9% APR variable.
  • Tesco Bank Clubcard Credit Card Purchases Mastercard
    Total Cost of Borrowing
    £3,000 including fees and interest
    Introductory Purchase Rate
    0.00%
    Introductory Purchase Period
    23 Months
    APR
    20.9%
    Time to Payback
    15 months
    Representative Example: Based on a credit limit of £1200.00 charged at 20.94% variable per annum for purchases. Representative 20.9% APR variable.
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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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How to compare the best 0% purchase credit cards

Michelle Monck

Michelle Monck

Consumer Finance Expert

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.

What is a 0% purchase credit card?

A 0% purchase credit card is a type of credit card that offers a 0% interest rate usually for a fixed period of time when purchasing goods and services online, in stores or in restaurants. This interest-free period allows you to spend without accruing interest, letting you spread the cost over a set time.

During the term of the 0% offer, you won’t be charged interest on your purchases (though this may not apply if you spend on the card overseas), and provided you pay the full amount off by the end of the introductory period, the credit won’t have cost you a thing. However, you will still be expected to make at least the minimum payment each month, and other card activities may still attract interest, such as balance transfers and cash withdrawals, though you may find that you have access to additional introductory terms depending on your particular card.

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What is the purchase rate on a credit card?

The purchase rate on a credit card is the interest rate that you’ll be charged on your purchases. You may see both an introductory and a standard purchase rate, with the introductory rate typically being the 0% offer, and the standard rate applying once the introductory term has come to an end. The representative APR will always be based on the standard rate.

What is purchase offer duration?

The purchase offer duration is the length of time the introductory offer will apply for. Once it comes to an end (which can vary depending on your particular offer), interest will be charged at your standard purchase rate.

What is the difference between a purchase card and a credit card?

A purchase card is a type of credit card, the only difference between the two being that a purchase card will typically have an introductory interest-free offer, whereas a standard credit card may not.

What happens once the 0% period for purchases finishes?

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.

Moneyfacts tip

Moneyfacts tip Michelle Monck

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.

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.

What is the difference between a balance transfer credit card and a purchase credit card?

Usually, credit cards may be used to purchase goods and services and for transferring balances from other cards or debts to the credit card. In some cases, credit cards offer promotional low interest rates or 0% interest rates for balance transfers or purchases for a specific time period. There are some credit cards that have bother 0% balance transfer and 0% purchase offers.

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.
Purchase Credit Cards

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