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A healthy credit score has its benefits, so make sure you manage your debt correctly.
Discover the best travel insurance policy for your next trip.
Find current accounts offering in-credit interest rates up to 5.00% AER.
Explore the best cards with a 0% introductory period.
Could the value of your state pension rise by more than inflation?
Will your loved one's gift be tax affected?
Looking for inflation beating returns? Investing in shares could be an option.
Summer may only just be over but from today there are just 100 day left until Christmas and according to research from American Express, 32% of consumers have already started their Christmas shopping.
Christmas can be an expensive time of year, so it may make sense to spread the cost over several months by starting the festive shop early. This year will be particularly difficult for many consumers and, according to American Express, 28% of consumers are planning to spend less on Christmas this year compared to the previous year.
Ideally, those who like to splash out during the festive season should have a Christmas savings fund to help them with the cost. But, for those who have had to use their savings to help with essential costs during the year or who haven’t managed to save as much as they like, a 0% purchase credit card can be a helpful way of spreading the cost of Christmas.
It should always be remembered that money spent on credit cards is borrowed money and, as such, those using credit cards should keep their spending within affordability limits and ensure they have a plan in place and the means to pay off the credit card as quickly as possible. 0% purchase credit cards can be a useful option in the run up to Christmas, as they do not charge interest on purchases made on the card during a pre-set time period.
Below we’ve highlighted some of the best deals within the 0% purchase credit card charts.
Santander has the longest interest-free period on a 0% purchase credit card with its All in One Credit Card Mastercard offering 26 months of 0% interest. This card has a monthly fee of £3 and offers 0.5% cashback on purchases. After the interest-free period has ended it charges 21.7% APR variable.
In addition to Santander’s All in One Credit Card Master card, which offers 0.5% cashback on purchases, Tesco Bank, M&S Bank, and Sainsbury’s Bank all offer competitive deals with rewards. Tesco Bank’s Clubcard Plus Credit Card Mastercard offers 0% interest for 24 months, after which it charges 37.7% APR variable. This card is only available to Clubcard Plus subscribers and a £7.99 per month fee applies for this subscription. It offers reward points on purchases made on the card, which are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
M&S Bank’s Shopping Plus Mastercard has a 20 month interest-free period, after which it charges 19.9% APR variable. Rewards are gained when purchases are made on this card which are converted into reward vouchers four times a year and sent with the Loyalty statement. The vouchers can be redeemed in all Marks & Spencer UK stores and online.
Sainsbury’s Bank’s Dual Offer Credit Card Mastercard has an interest-free period for 20 months. After the interest-free period has ended it charges 20.9% APR variable. This card is only available to Nectar members of at least six months. It enables customers to earn Nectar points on purchases made on the card.
Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.
The Moneyfacts Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.
This week's selection includes a new one-year fixed ISA from Virgin Money and a credit card with a recently increased 0% introductory balance transfer term.
The average APR on unsecured loans and credit cards rose in the first three months of 2024, while the number of lenders and card providers fell.
The average APR on unsecured loans and credit cards rose in the first three months of 2024, while the number of lenders and card providers fell.
Everyone knows Christmas can be an expensive time of year, with the cost of food, presents and socialising quickly amounting. If you’re looking to make your money stretch a little further this festive season and beyond, we list some of the top cashback credit cards currently available.
Earn up to £125 cashback with American Express; find a 0% introductory purchase rate from Santander.
The Moneyfacts Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.
This week's selection includes a new one-year fixed ISA from Virgin Money and a credit card with a recently increased 0% introductory balance transfer term.
The average APR on unsecured loans and credit cards rose in the first three months of 2024, while the number of lenders and card providers fell.
The average APR on unsecured loans and credit cards rose in the first three months of 2024, while the number of lenders and card providers fell.
Everyone knows Christmas can be an expensive time of year, with the cost of food, presents and socialising quickly amounting. If you’re looking to make your money stretch a little further this festive season and beyond, we list some of the top cashback credit cards currently available.
Earn up to £125 cashback with American Express; find a 0% introductory purchase rate from Santander.
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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.