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 a 0% purchase credit card.

Buy it with a 0% interest credit card

Use the sliders to set how much you plan to spend. The table will update to show you how much you could potentially save over the interest free period.

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Sort by popularity Features APR Purchases Balance transfer Transfer fee You save
Barclaycard Platinum Purchase & Balance Transfer Visa
0% Balance Transfer 0% Purchase No Annual Fee

Barclaycard Platinum Purchase & Balance Transfer Visa

  • 14 months 0% on purchases
  • 23 months 0% on balance transfers
  • 2.49% balance transfer fee
more info
18.9% APR
Representative (variable)
14 months
0% interest on purchases
23 months
0% interest on transfers
2.49 %
transfer fee
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
2014 award winner 0% Purchase Reward

M&S Credit Card

  • 19 months 0% on purchases
  • 15 months 0% on balance transfers (2.9% fee) (min £5)
  • 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
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
Bank of Scotland Platinum Online 18 Month Balance Transfer MasterCard
new release 0% Balance Transfer 0% Purchase

Bank of Scotland Platinum Online 18 Month Balance Transfer MasterCard

  • 18 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% thereafter
  • 16 months 0% on purchases
more info
18.9% APR
Representative (variable)
16 months
0% interest on purchases
18 months
0% interest on transfers
2.0 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Halifax All in One
0% Balance Transfer 0% Purchase

Halifax All in One

  • 19 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% thereafter
  • 16 months 0% on purchases
more info
18.9% APR
Representative (variable)
16 months
0% interest on purchases
19 months
0% interest on transfers
2.0 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Halifax 15 Month Balance Transfer
0% Balance Transfer 0% Purchase

Halifax 15 Month Balance Transfer

  • 15 months 0% on balance transfers made in first 90 days
  • 0.8% transfer fee (first 3 months), 3% thereafter
  • 15 months 0% on purchases
  • Halifax Secure cover against online fraud and transactions
more info
17.9% APR
Representative (variable)
15 months
0% interest on purchases
15 months
0% interest on transfers
0.8 %
transfer fee
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
MBNA Everyday Credit Card Visa
0% Balance Transfer 0% Purchase Money Transfer No Annual Fee

MBNA Everyday Credit Card Visa

  • 15 months 0% on card purchases
  • 21 months 0% on balance transfers made in the first 60 days (1.5% fee)
  • 21 months 0% on money transfers made in the first 60 days (4% fee)
more info
15.9% APR
Representative (variable)
15 months
0% interest on purchases
21 months
0% interest on transfers
1.5 %
transfer fee
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
Halifax 10 Month Balance Transfer and Purchase Credit Card MasterCard
0% Balance Transfer 0% Purchase

Halifax 10 Month Balance Transfer and Purchase Credit Card MasterCard

  • 10 months 0% on balance transfers made in first 90 days
  • 0.4% transfer fee (first 3 months), 3% thereafter
  • 10 months 0% on purchases
more info
18.9% APR
Representative (variable)
10 months
0% interest on purchases
10 months
0% interest on transfers
0.4 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Lloyds Bank Platinum 10 Month Balance Transfer Card
0% Balance Transfer 0% Purchase

Lloyds Bank Platinum 10 Month Balance Transfer Card

  • 0 months 0% on balance transfers made in first 90 days
  • 0.4% transfer fee (first 3 months), 3% thereafter
  • 10 months 0% on purchases
more info
18.9% APR
Representative (variable)
10 months
0% interest on purchases
10 months
0% interest on transfers
0.4 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
Lloyds Bank Avios Rewards Amex/MasterCard
0% Balance Transfer 0% Purchase Reward Travel Airline

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent
  • Double Avios in your first 6 months
  • No foreign transaction fees
  • £24 annual fee
more info
23.7% APR
Representative (variable)
16 months
0% interest on purchases
18 months
0% interest on transfers
3.0 %
transfer fee
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 Choice Rewards Amex/MasterCard
0% Balance Transfer 0% Purchase Reward

Lloyds Bank Choice Rewards Amex/MasterCard

  • Double rewards for the first 6 months on Amex cards
  • Turn points into cashback, vouchers or Avios
  • £24 annual fee
more info
23.7% APR
Representative (variable)
16 months
0% interest on purchases
18 months
0% interest on transfers
3.0 %
transfer fee
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
0% Balance Transfer 0% Purchase Reward Travel Airline

Lloyds Bank Premier Avios Rewards Amex/MasterCard

  • 1.5 Avios for every £1 spent
  • Double Avios in your first 6 months
  • No foreign transaction fees
  • £140 annual fee
more info
52.1% APR
Representative (variable)
16 months
0% interest on purchases
18 months
0% interest on transfers
3.0 %
transfer fee
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
2014 award winner 0% Purchase Travel

Nationwide Credit Card Purchase Visa

  • 15 months 0% on purchases
  • 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
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
2014 award winner 0% Balance Transfer 0% Purchase Cashback

Nationwide Select Low Balance Transfer Fee Visa

  • Nationwide current account customers only
  • 15 months 0% on purchases
  • 15 months 0% on balance transfers (0.55% fee)
  • 0.5% cashback on all purchases
  • No foreign transaction fees
  • No annual fee
more info
15.9% APR
Representative (variable)
15 months
0% interest on purchases
15 months
0% interest on transfers
0.55 %
transfer fee
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
2014 award winner 0% Balance Transfer 0% Purchase Travel Cashback

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 15 months 0% on purchases
  • 26 months 0% on balance transfers (2.4% fee)
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
  • No annual fee
more info
15.9% APR
Representative (variable)
15 months
0% interest on purchases
26 months
0% interest on transfers
2.4 %
transfer fee
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
Sainsbury's Bank Nectar Credit Card
0% Balance Transfer 0% Purchase Reward No Annual Fee

Sainsbury's Bank Nectar Credit Card

  • 18 months 0% on purchases & balance transfers (3% fee)
  • Double Nectar points on Sainsbury's shopping
  • 1 Nectar point for every £5 spent everywhere else
more info
18.9% APR
Representative (variable)
18 months
0% interest on purchases
18 months
0% interest on transfers
3.0 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Santander 123 Credit Card MasterCard
most popular 0% Balance Transfer 0% Purchase Cashback

Santander 123 Credit Card MasterCard

  • 23 months 0% on purchases and balance transfers
  • 23 months 0% transfer fee, 3% thereafter
  • 3% cashback on petrol and National Rail and TFL purchases
  • 2% cashback at major department stores
  • 1% cashback at major supermarkets
  • First year fee-free if you have, or open, a 123 Current Account. Otherwise £24 annual fee
more info
16.5% APR
Representative (variable)
23 months
0% interest on purchases
23 months
0% interest on transfers
0.0 %
transfer fee
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).
No Balance Transfer Fee Tesco Clubcard Credit Card
2014 award winner market leading 0% Balance Transfer 0% Purchase Reward Instant Decision

No Balance Transfer Fee Tesco Clubcard Credit Card

  • No balance transfer fee
  • 12 months 0% on purchases & balance transfers (0% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • 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
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 Purchase card with 1000 points
2014 award winner 0% Purchase Reward

Tesco Bank Purchase card with 1000 points

  • 17 months 0% on purchases
  • 3 months 0% on balance transfers (2.9% fee)
  • 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 everywhere else
more info
18.9% APR
Representative (variable)
17 months
0% interest on purchases
3 months
0% interest on transfers
2.9 %
transfer fee
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 19 Month Purchase Clubcard Credit Card
2014 award winner market leading 0% Purchase Reward No Annual Fee

Tesco Bank 19 Month Purchase Clubcard Credit Card

  • 19 months 0% on purchases
  • 3 months 0% on balance transfers (2.9% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • Application decision in 60 seconds
more info
18.9% APR
Representative (variable)
19 months
0% interest on purchases
3 months
0% interest on transfers
2.9 %
transfer fee
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
TSB Platinum Purchase MasterCard
0% Balance Transfer 0% Purchase

TSB Platinum Purchase MasterCard

  • 13 months 0% on purchases
  • 13 months 0% on balance transfers (1% fee)
  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
more info
17.9% APR
Representative (variable)
13 months
0% interest on purchases
13 months
0% interest on transfers
1.0 %
transfer fee
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
Santander Credit Card
0% Balance Transfer 0% Purchase

Santander Credit Card

  • 15 months 0% on purchases and balance transfers
  • 15 months 0% balance transfer fee, 3% thereafter
more info
18.9% APR
Representative (variable)
15 months
0% interest on purchases
15 months
0% interest on transfers
0.0 %
transfer fee
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 0% purchase 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 below are ordered by duration of 0% purchase offer.

What are 0% purchase credit cards?

Purchase cards are simply credit cards that don’t charge interest on spending 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% 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.