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.

Features Purchases Balance transfer Transfer fee You save
2014 award winner 0% balance transfer 0% purchase travel
Nationwide Select Low Balance Transfer Fee Visa

Nationwide Select Low Balance Transfer Fee Visa

  • Nationwide main 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 months 0% interest on purchases
15 months 0% interest on transfers
0.55% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
2014 award winner 0% purchase travel
Nationwide Credit Card Purchase Visa

Nationwide Credit Card Purchase Visa

  • 15 months 0% on purchases
  • Commission-free allowance abroad
  • Access to exclusive deals with Simply Rewards
more info
15 months 0% interest on purchases
Apply
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
0% balance transfer 0% purchase
TSB Platinum Purchase MasterCard

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
13 months 0% interest on purchases
13 months 0% interest on transfers
1.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
0% purchase cashback
Santander 123 Credit Card MasterCard

Santander 123 Credit Card MasterCard

  • 18 months 0% on purchases
  • 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
18 months 0% interest on purchases
Apply
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).
0% purchase
Santander Purchase Credit Card MasterCard

Santander Purchase Credit Card MasterCard

  • 18 months 0% on purchases
  • 9 months 0% on balance transfers with 3% fee
  • Manage your account online or with Santander app
  • No annual fee
more info
18 months 0% interest on purchases
9 months 0% interest on transfers
3.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer 0% purchase reward
M&S Credit Card

M&S Credit Card

  • 15 months 0% on purchases
  • 12 months 0% on balance transfers (2.9% fee)
  • 1 M&S point for every £1 spent
  • 500 M&S points voucher worth £5 for select M&S spending
more info
15 months 0% interest on purchases
12 months 0% interest on transfers
2.9% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your representative APR is 16.9% APR (variable).
0% balance transfer 0% purchase reward
Lloyds Bank Choice Rewards Amex/MasterCard

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
16 months 0% interest on purchases
18 months 0% interest on transfers
3.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 annual fee, your representative APR is 23.7% APR (variable).
0% balance transfer 0% purchase reward
Sainsbury's Bank Nectar Low Balance Transfer Fee

Sainsbury's Bank Nectar Low Balance Transfer Fee

  • 12 months 0% on purchases & balance transfers (0.5% fee)
  • Double Nectar points on Sainsbury's shopping
  • 1 Nectar points for every £5 spent elsewhere
more info
12 months 0% interest on purchases
12 months 0% interest on transfers
0.5% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Barclaycard Platinum Purchase & Balance Transfer Visa

Barclaycard Platinum Purchase & Balance Transfer Visa

  • 14 months 0% on purchases
  • 19 months 0% on balance transfers
  • 2.49% balance transfer fee
more info
14 months 0% interest on purchases
19 months 0% interest on transfers
2.49% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase reward travel airline
Lloyds Bank Avios Rewards Amex/MasterCard

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
16 months 0% interest on purchases
18 months 0% interest on transfers
3.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 annual fee, your representative APR is 23.7% APR (variable).
0% balance transfer 0% purchase reward travel airline
Lloyds Bank Premier Avios Rewards Amex/MasterCard

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
16 months 0% interest on purchases
18 months 0% interest on transfers
3.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £140 annual fee, your representative APR is 52.1% APR (variable).
0% balance transfer 0% purchase reward
Sainsbury's Bank Nectar Credit Card

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 months 0% interest on purchases
18 months 0% interest on transfers
3.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer 0% purchase travel cashback
Nationwide Select Credit Card

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 months 0% interest on purchases
26 months 0% interest on transfers
2.4% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
2014 award winner market leading 0% balance transfer 0% purchase reward
Tesco Bank Clubcard Credit Card with Low Balance Transfer Fee

Tesco Bank Clubcard Credit Card with Low 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
12 months 0% interest on purchases
12 months 0% interest on transfers
0.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Lloyds Bank Online Platinum 18 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 18 Month Balance Transfer MasterCard

  • 18 months 0% on balance transfers made in first 90 days
  • 2% transfer fee (first 3 months), 3% balance thereafter
  • 16 months 0% on purchases
more info
16 months 0% interest on purchases
18 months 0% interest on transfers
2.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Lloyds Bank Platinum 10 Month Balance Transfer Card

Lloyds Bank Platinum 10 Month Balance Transfer Card

  • 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
10 months 0% interest on purchases
10 months 0% interest on transfers
0.4% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Halifax 10 Month Balance Transfer and Purchase Credit Card MasterCard

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
10 months 0% interest on purchases
10 months 0% interest on transfers
0.4% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Halifax 15 Month Balance Transfer

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
15 months 0% interest on purchases
15 months 0% interest on transfers
0.8% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
most popular 2014 award winner market leading 0% purchase reward
Tesco Bank 19 Month Purchase Clubcard Credit Card

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
19 months 0% interest on purchases
3 months 0% interest on transfers
2.9% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
MBNA Everyday Credit Card Visa

MBNA Everyday Credit Card Visa

  • 0% on card purchases for up to 15 months from the date your account is opened
  • 0% on balance transfers for up to 21 months from the date your account is opened, 1.5% handling fee
  • 0% on money transfers for up to 21 months from the date your account is opened, 4% handling fee
more info
15 months 0% interest on purchases
21 months 0% interest on transfers
1.5% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
2014 award winner new release 0% purchase reward
Tesco Bank Purchase card with 1000 points

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
17 months 0% interest on purchases
3 months 0% interest on transfers
2.9% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Bank of Scotland 28 Month Balance Transfer

Bank of Scotland 28 Month Balance Transfer

  • 0% on Balance Transfers for the first 28 months
  • 0% on Purchases is for the first 12 months
  • 1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
more info
12 months 0% interest on purchases
28 months 0% interest on transfers
1.5% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
new release 0% balance transfer 0% purchase
Bank of Scotland Platinum Online 18 Month Balance Transfer MasterCard

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
16 months 0% interest on purchases
18 months 0% interest on transfers
2.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Bank of Scotland Platinum Online 10 Month Balance Transfer MasterCard

Bank of Scotland Platinum Online 10 Month Balance Transfer 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
10 months 0% interest on purchases
10 months 0% interest on transfers
0.4% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Halifax All in One Credit Card

Halifax All in One Credit Card

  • 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
16 months 0% interest on purchases
19 months 0% interest on transfers
2.0% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase
Lloyds Bank 28 Month Balance Transfer MasterCard

Lloyds Bank 28 Month Balance Transfer MasterCard

  • 0% on Balance Transfers for the first 28 months
  • 0% on Purchases is for the first 12 months
  • 1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
more info
12 months 0% interest on purchases
28 months 0% interest on transfers
1.5% fee on balance transfers
Apply
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).

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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.