0% Purchase Credit Cards | Compare UK Credit Cards
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0% Purchase Credit Cards

As it says on the tin, these cards don’t charge interest on purchases made on the card for a given amount of time. This period can vary from around three months to 15 months. Some 0% purchase cards come with a 0% balance transfer deal thrown in too.

Good for: People who know they will be making a large purchase, such as a car, or have an expensive time coming up and are planning to clear the balance on the card within the 0% purchase period.  In this way, they can act as interest-free loans. Just bear in mind that you'll need a good credit rating to qualify for one of these cards.

Bad for: Credit card-happy shoppers who are unlikely to clear the balance before the end of the interest-free period on purchases. Interest rates after this point will suddenly rocket, which will wipe out the benefit of the 0% deal completely in a few months.

TIP: Put money aside each month, so that you can pay off the balance once the interest-free period ends.

 
 
Product Name Balance Transfer Purchases Rewards Representative APR (Variable)
  • Marks & Spencer
  • Credit Card
  • %
  • months
  • % fee
  • 0.00%
  • 15 months
  • With M&S Rewards you'll receive points every time you shop with your card - you get 1 point for every £1 spend in M&S and 1 point for every £2 you spend elsewhere. Once points mount up you can treat yourself to anything you like in store. You can also buy M&S Travel Money with no cash advance or foreign exchange fees.
  • 15.90%
  • APR
Representative example: If you spend £1200.00 at an annual interest rate (variable) of 15.90% your representative APR (variable) will be 15.90%
  • Tesco
  • Clubcard Credit Card
  • 0.00%
  • 9 months
  • 2.90% fee
  • 0.00%
  • 15 months
  • Collect even more Clubcard points on whatever you buy, wherever you buy it. Collect 1 point per £4 spent in each purchase transaction (£4 min), you must have available credit. The card also doubles as a Clubcard, so when you use your card to pay at Tesco, you will get 1 point per £4 spent plus you will collect standard Clubcard points.
  • 16.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 16.90% your representative APR (variable) will be 16.90%
  • Halifax
  • All In One
  • 0.00%
  • 15 months
  • 3.00% fee
  • 0.00%
  • 15 months
  • Halifax card holders receive special offers including discounts on top UK attractions as well as on hotels, travel, shopping and up to 50% off dining.
  • 17.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 17.95% your representative APR (variable) will be 17.90%
  • Barclaycard
  • Platinum with Purchase
  • 0.00%
  • 14 months
  • 2.90% fee
  • 0.00%
  • 14 months
  • You will have access to Barclaycard Unwind which gives you exclusive access to intimate gigs, exclusive content and music news, exclusive tickets and Unwind at Wembley Arena where you can enjoy advanced ticketing for shows and even be a VIP guest in the Wembley Unwind lounge.
  • 18.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 18.90% your representative APR (variable) will be 18.90%
  • Creation
  • Purchase Credit Card
  • 0.00%
  • 9 months
  • 2.90% fee
  • 0.00%
  • 13 months
  • Creation card holders receive hundreds of retail offers through MasterCard as well as discounts on meals and days out.
  • 17.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 17.90% your representative APR (variable) will be 17.90%
  • NatWest
  • YourPoints World MasterCard
  • 0.00%
  • 13 months
  • 2.90% fee
  • 0.00%
  • 13 months
  • INTRODUCTORY OFFER – 2,500 bonus points for all new customers. Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through NatWest’s travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots.
  • 17.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 17.95% your representative APR (variable) will be 17.90%
  • Royal Bank of Scotland
  • YourPoints World MasterCard
  • 0.00%
  • 13 months
  • 2.90% fee
  • 0.00%
  • 13 months
  • INTRODUCTORY OFFER – 2,500 bonus points for all new customers. Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through RBS’ travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots.
  • 17.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 17.95% your representative APR (variable) will be 17.90%
  • Virgin
  • Credit Card
  • 0.00%
  • 13 months
  • 2.89% fee
  • 0.00%
  • 13 months
  • Discounts on Virgin products - 30% off balloon flights plus free champagne & chocolates, up to 20% off experiences, 5% off holidays plus no credit card fee (usually 2.5%), 10% off at Virgin Wines and VIE at home and 1 month free for new members at Virgin Active.
  • 18.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 18.90% your representative APR (variable) will be 18.90%
  • Sainsbury's
  • Credit Card
  • 0.00%
  • 12 months
  • 3.00% fee
  • 0.00%
  • 12 months
  • There are no rewards with this card.
  • 16.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 16.94% your representative APR (variable) will be 16.90%
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