Compare 0% purchase credit cards

Buy it with a 0% interest credit card – spread the cost of your next big purchase without paying any interest with interest free credit cards.

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Barclaycard Platinum Purchase & Balance Transfer Visa

0% Balance Transfer No Annual Fee

Barclaycard Platinum Purchase & Balance Transfer Visa

Features
  • 60 days to transfer balance
  • Online account management, paper statements available
more info
18.9% APR
Representative (variable)
14
 months
0% interest on purchases
23
 months
0% interest on transfers
2.49%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £20,000 or more
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

M&S Credit Card

2015 award winner
Reward

M&S Credit Card

Features
  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore; 0.5 M&S point per £1 spent outside of store
more info
18.9% APR
Representative (variable)
19
 months
0% interest on purchases
15
 months
0% interest on transfers
2.9%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

MBNA Everyday Credit Card Visa

2015 award winner
0% Balance Transfer Money Transfer No Annual Fee

MBNA Everyday Credit Card Visa

Features
  • 22 months 0% on money transfers made in the first 60 days (4% fee)
  • Pre-application eligibility technology protects your credit rating
  • Card offers contactless payment
more info
18.9% APR
Representative (variable)
16
 months
0% interest on purchases
22
 months
0% interest on transfers
1.75%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident for at least 3 years
  • be 18 or older
  • no balance transfers from MBNA or Fluid Money credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Lloyds Bank Avios Rewards Amex/MasterCard

0% Balance Transfer Reward Travel Airline Premium Credit Cards

Lloyds Bank Avios Rewards Amex/MasterCard

Features
  • Up to 1.25 Avios for every £1 spent (double in first 6 months)
  • No foreign transaction fees
  • £24 annual fee
more info
23.7% APR
Representative (variable)
12
 months
0% interest on purchases
28
 months
0% interest on transfers
3.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds credit cards
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 monthly fee, your representative APR is 23.7% APR (variable).

Lloyds Bank Premier Avios Rewards Amex/MasterCard

Reward Travel Airline 0% Balance Transfer Premium Credit Cards

Lloyds Bank Premier Avios Rewards Amex/MasterCard

Features
  • 1.5 Avios for every £1 spent (double in first 6 months)
  • No foreign transaction fees
  • £140 annual fee
more info
52.1% APR
Representative (variable)
12
 months
0% interest on purchases
28
 months
0% interest on transfers
3.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds credit cards
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £140 monthly fee, your representative APR is 52.1% APR (variable).

Nationwide Credit Card Purchase Visa

2015 award winner
Travel

Nationwide Credit Card Purchase Visa

Features
  • Commission-free allowance abroad
  • Access to exclusive deals with Simply Rewards
more info
17.9% APR
Representative (variable)
15
 months
0% interest on purchases
No fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

Nationwide Select Low Balance Transfer Fee Visa

2015 award winner
reduced fee offer 0% Balance Transfer Cashback

Nationwide Select Low Balance Transfer Fee Visa

Features
  • Nationwide current account customers only
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
more info
15.9% APR
Representative (variable)
15
 months
0% interest on purchases
15
 months
0% interest on transfers
0.55%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • be a Nationwide current account customer
  • have an income of £5,000 or more
  • no balance transfers from Nationwide credit cards
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

Nationwide Select Credit Card

2015 award winner
0% Balance Transfer Cashback Travel

Nationwide Select Credit Card

Features
  • Nationwide current account customers only
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
more info
15.9% APR
Representative (variable)
15
 months
0% interest on purchases
26
 months
0% interest on transfers
2.4%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

Santander 123 Credit Card MasterCard

most popular Cashback 0% Balance Transfer

Santander 123 Credit Card MasterCard

Features
  • First year fee-free if you have or open a 123 Current Account. Otherwise £24 annual fee
  • Up to 3% cashback available
more info
16.5% APR
Representative (variable)
23
 months
0% interest on purchases
23
 months
0% interest on transfers
0.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Representative example: When you spend £1,200 at a rate of 12.7% (variable) per annum, with a £24 annual fee, your representative APR is 16.5% APR (variable).

Tesco Bank Purchase card with 1000 points

2015 award winner
Reward

Tesco Bank Purchase card with 1000 points

Features
  • 1000 Clubcard points if you make a purchase or transfer a balance within 2 months of account opening
  • 1 Clubcard point for every £4 spent in each purchase transaction
more info
18.9% APR
Representative (variable)
17
 months
0% interest on purchases
3
 months
0% interest on transfers
2.9%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco Bank 21 Month Purchase Clubcard Credit Card

2015 award winner
Reward No Annual Fee

Tesco Bank 21 Month Purchase Clubcard Credit Card

Features
  • 1 Clubcard point for every £4 spent in Tesco
  • Online application decision in 60 seconds
more info
18.9% APR
Representative (variable)
21
 months
0% interest on purchases
3
 months
0% interest on transfers
2.9%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).

Santander Credit Card

0% Balance Transfer

Santander Credit Card

Features
  • No annual fee
  • 56 days interest-free on purchases after the 0% period expires (provided balance is paid in full and on time each month)
more info
18.9% APR
Representative (variable)
15
 months
0% interest on purchases
15
 months
0% interest on transfers
0.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Post Office Matched Credit Card

0% Balance Transfer No Annual Fee

Post Office Matched Credit Card

Features
  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
more info
18.9% APR
Representative (variable)
16
 months
0% interest on purchases
16
 months
0% interest on transfers
2.89%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • be a UK resident
  • have a current bank or building society account
  • not be an existing Post Office cardholder
  • have an annual income over £8,000 (excl. unemployment benefits)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Clydesdale Bank Gold MasterCard

new release 0% Balance Transfer No Annual Fee

Clydesdale Bank Gold MasterCard

Features
  • Contactless payments under £20
  • MasterCard SecureCode for safer online shopping
more info
18.9% APR
Representative (variable)
20
 months
0% interest on purchases
12
 months
0% interest on transfers
3.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Yorkshire Bank Gold MasterCard

new release No Annual Fee 0% Balance Transfer

Yorkshire Bank Gold MasterCard

Features
  • Contactless payments under £20
  • MasterCard SecureCode for safer online shopping
more info
18.9% APR
Representative (variable)
20
 months
0% interest on purchases
12
 months
0% interest on transfers
3.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Sainsburys Nectar Purchase Card

2015 award winner
0% Balance Transfer Reward

Sainsburys Nectar Purchase Card

Features
  • Collect 2 points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
more info
18.9% APR
Representative (variable)
19
 months
0% interest on purchases
19
 months
0% interest on transfers
3.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • have a permanent UK address
  • be over 18 years of age
  • not have been declined for credit in the last month
  • not have a history of bad credit
  • not be an existing Sainsbury's Bank Credit Card holder
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

2015 award winner
new release 0% Balance Transfer Reward

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

Features
  • 1 Clubcard point for every £4 spent in each purchase transaction - in and out of Tesco
  • Online application decision in 60 seconds
more info
18.9% APR
Representative (variable)
12
 months
0% interest on purchases
12
 months
0% interest on transfers
0.0%
Transfer fee
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

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Compare 0% purchase credit cards

About interest free credit cards

The key benefit to 0% purchase credit cards is that they charge no interest on new spending for a set amount of time. The best deals give 0% for well over 12 months - a great way to spread the cost of large purchases, such as a new sofa or TV, over the course of a year. The cards above are ordered by duration of 0% purchase offer.

What are 0% purchase credit cards?

Interest free credit cards are simply cards that don’t charge interest on purchases for a set period of time.

The best deals often last for 12 months or more and can be handy in helping to spread the cost of large purchases - such as a car insurance policy, or a new TV - over a year.

Protection on your purchases

When you use a credit card to buy something, both the card provider and supplier you’re buying from are responsible for your purchase.

This means that if the item is faulty, not as described, or isn’t delivered, you can claim your money back from either the provider or the supplier.

It’s called Section 75 and is part of the 1974 Consumer Credit Act. It applies if the cash price of a single item you pay for, or make part-payment for, is between £100 and £30,000.

Section 75 can be useful if, say, the supplier goes bust, and it applies in the UK or abroad.

0% purchase credit cards - what to look out for

Because the 0% deal usually starts on the date the card is issued, it may not coincide with your usual repayment date.

Take note of the date the 0% deal runs out to avoid incurring interest in the final month and always set up a direct debit for at least the minimum payment - if you miss a payment, you could lose the whole 0% deal.

Should I take out a purchase credit card?

You should only consider getting a purchase credit card and spending heavily on it if you know you can clear the debt before the 0% interest deal ends - the interest rate will jump to around 17% or more when it stops.

If you feel you won’t be able to pay off the debt within a year, you should consider getting a low APR credit card instead to prevent paying over the odds in interest.