Compare 0% Purchase Credit Cards

Compare 0% purchase credit cards with uSwitch - spread the cost of big buys and save on interest.

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.

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  • 0% on purchases for 15 months.
  • Earn M&S rewards every time you shop
  • 0% on balance transfers for 12 months
  • Get bonus points voucher for 500 M&S points worth £5
16.9% APR

Representative Example: When you spend £1,200 at a rate of 16.90% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Compare 0% purchase cards:

Sort by: 		Interest free purchases for Representative APR (variable)  
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Tesco Bank Clubcard Credit Card for Purchases

  • 0% on purchases for 16 months and 1 point for every £4 spent in each purchase transaction (£4 min). Must have available credit.
  • 0% on balance transfers for 9 months.

16months 0% interest on purchases

16.9% APR

More information

Rewards

5 points awarded per £4 spent in Tesco Stores and on fuel at Tesco Petrol Filling Stations (excludes Esso Fuel). 1 point awarded per £4 spent elsewhere. 1 point awarded per £4 spent in each purchase transaction (£4 min). Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Cardholders can take advantage of Tesco's exclusive Buy Now Pay Later offers through Tesco Direct, whereby upon purchasing selected items over £250 with the Tesco Credit Card there is the potential to receive 0% interest free for 6 months on that purchase.

  • Travel and/or Hotel Savings
    No cash advance fee and no handling fee on Tesco Travel Money and 0% commission on non-Sterling Travellers Cheques.

More details

  • 0% on balance transfer for 9 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £5,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Top three for Best Cashback and Rewards.

M&S Credit Card

  • 0% on purchases for 15 months.
  • M&S rewards – earn M&S points every time you shop with your card.
  • 12 months on balance transfers made within 60 days of account opening (2.9% fee applies, minimum £5).

15months 0% interest on purchases

16.9% APR

More information

Rewards

1 point will be earned for every full £1 spent in Marks and Spencers UK stores, catalogues, internet and Outlets and Simply Food. 1 point will be earned for every £2 spent outside of Marks & Spencer. 100 points = £1 reward voucher. Bonus points will be awarded when purchasing selected merchandise advertised in the personalised rewards brochure or in stores (except Outlets). Points will be converted into reward vouchers four times a year and sent to the customers with the Loyalty statement. Remaining points will be carried over to the next collection period. Rewards vouchers can be redeemed in all Marks and Spencer's UK stores but not via catalogue or internet. Points cannot be exchanged for cash or gift vouchers.

  • Travel and/or Hotel Savings
    up to 8% saving with Travel Club. No booking fee with Credit Card.

More details

  • 0% on balance transfer for 12 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

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NatWest YourPoints World MasterCard

  • 15 months 0% interest on purchases
  • 15 months 0% interest on balance transfers
  • Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account

15months 0% interest on purchases

16.9% APR

More information

Rewards

Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter. 9 months double points from account opening.

  • Travel Service
    Up to 6% discount. NatWest Travel Service operated by Thomas Cook

More details

  • 0% on balance transfer for 15 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £10,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).

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RBS YourPoints World MasterCard

  • 15 months 0% interest on purchases
  • 15 months 0% interest on balance transfers
  • Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account

15months 0% interest on purchases

16.9% APR

More information

Rewards

Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter. 9 months double points from account opening.

  • Travel and/or Hotel Savings
    10% off UK short breaks with Superbreak

  • Travel Service
    Up to 6% discount. RBS Travel Service operated by Thomas Cook

More details

  • 0% on balance transfer for 15 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £10,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Halifax All in One Credit Card

  • Multi-purpose Halifax credit card offering 0% on purchases for up to 15 months.
  • 0% on balance transfers for up to 15 months.
  • Limited Offer. 3% balance transfer fee was reduced to 1% (via a 2% refund). Apply before 25 June.

15months 0% interest on purchases

17.9% APR

More information

More details

  • 0% on balance transfer for 15 months
  • 1% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Barclaycard Platinum with 14 months on Purchases

  • Multi-purpose Barclaycard offering 0% on purchases and balance transfers for 14 months.
  • Transfer fee of 2.9% applies.

14months 0% interest on purchases

18.9% APR

More information

Rewards

  • Travel Service
    Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card.

More details

  • 0% on balance transfer for 14 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £20,000
  • Min age is 21
  • Not available for customers with a CCJ

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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Nationwide Building Society Select Credit Card

  • Low APR of 12.9%.
  • Nationwide credit card perks include commission-free purchases abroad and 0.5% cashback on pound sterling purchases.
  • Only available to Nationwide FlexAccount customers.

12months 0% interest on purchases

12.9% APR

More information

Rewards

Simply Rewards, provides discounts and deals when using Nationwide Visa credit card

More details

  • 0% on balance transfer for 20 months
  • 3.1% balance transfer fee
  • No card fee

Can I get this card?

  • Is available to existing customers
  • Min income required: £5,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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The AA Rewards Credit Card

  • Double points when you buy fuel – 1% cashback for members and 0.5% for non-members.
  • Multi-purpose AA credit card offering 0% on purchases for 10 months and AA reward points on all purchases.
  • 0% on balance transfers for 12 months.

10months 0% interest on purchases

16.9% APR

More information

Rewards

Applies to eligible card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases. Reward points can be redeemed at any time on a range of products and services from AA, motoring and travel products, shopping vouchers and cash back. Points are worth more if redeemed on AA products. Spend £50 on fuel and £100 on supermarket and other shopping a week, earn 5,200 points a year, which can equal over £25 cash back or over £100 of AA products.

More details

  • 0% on balance transfer for 12 months
  • 3% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £20,000
  • Min age is 23
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

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MBNA Everyday Credit Card Visa

  • 0% on balance transfers for 18 months from account opening (with a low 1.99% handling fee).
  • 0% on card purchases for 8 months.

8months 0% interest on purchases

12.9% APR

More information

More details

  • 0% on balance transfer for 18 months
  • 1.99% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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Lloyds TSB Advance Online MasterCard

  • A low interest Lloyds TSB credit card geared towards shoppers.
  • 0% on purchases for the first 6 months.

6months 0% interest on purchases

11.9% APR

More information

More details

  • 0% on balance transfer for 12 months
  • 3% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 11.95% (variable) per annum, your Representative APR is 11.9% APR (variable).

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Sainsbury's Bank Nectar Credit Card

  • The Nectar credit card is primarily a reward card offering Nectar points on Sainsbury's shopping.
  • 0% on balance transfers for 15 months.
  • 0% interest on purchases for 6 months.

6months 0% interest on purchases

17.9% APR

More information

Rewards

Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase. For the first 3 months from account opening earn extra 6 points per £1 spent in Sainsbury's stores on the first £1,000 of qualifying spend per month.

More details

  • 0% on balance transfer for 15 months
  • 3% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Sainsbury's Bank Cashback Credit Card

  • Top cashback card offering 5% cashback on Sainsbury's shopping for the first 3 months.
  • 0% on balance transfers for 15 months.
  • 0% interest on purchases for 6 months.

6months 0% interest on purchases

17.9% APR

More information

More details

  • 0% on balance transfer for 15 months
  • 3% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Barclaycard Platinum with 27 Months Balance Transfer

  • 0% interest on balance transfers for 27 months from account opening (3.5% handling fee applies)
  • 0% interest on purchases for 6 months from account opening

6months 0% interest on purchases

18.9% APR

More information

Rewards

  • Travel Service
    Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card.

More details

  • 0% on balance transfer for 27 months
  • 3.5% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £20,000
  • Min age is 21
  • Not available for customers with a CCJ

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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Barclaycard Platinum with 25 Months Balance Transfer

  • 0% on transfers for 25 months.
  • Transfer fee is reduced from 3.5% to 2.4%.
  • 0% interest on purchases for the first 6 months.

6months 0% interest on purchases

18.9% APR

More information

Rewards

  • Travel Service
    Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card.

More details

  • 0% on balance transfer for 25 months
  • 2.4% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £20,000
  • Min age is 21
  • Not available for customers with a CCJ

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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Nationwide Building Society Credit Card with Balance Transfer

  • 0% on balance transfers for 20 months.
  • 0% interest on purchases for the first 3 months.
  • A low rate of 15.9% APR Representative (variable).
  • Commission-free purchases abroad when you build up your allowance through spend in UK sterling.

3months 0% interest on purchases

15.9% APR

More information

Rewards

Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission. Simply Rewards, provides discounts and deals when using Nationwide Visa credit card.

More details

  • 0% on balance transfer for 20 months
  • 3.1% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £5,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).

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Post Office Platinum MasterCard

  • With 0% interest on balance transfers for 14 months.
  • No charges for overseas purchases.
  • No cash fee when purchasing Post Office® Travel Money.

3months 0% interest on purchases

16.9% APR

More information

More details

  • 0% on balance transfer for 14 months
  • 2.98% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £15,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Tesco Bank Clubcard Credit Card for Balance Transfer

  • 25 months 0% interest on balance transfers and 3 months 0% interest on purchases
  • Earn Clubcard points on all your spending - 1 point awarded per £4 spent

3months 0% interest on purchases

16.9% APR

More information

Rewards

5 points awarded per £4 spent in Tesco Stores and on fuel at Tesco Petrol Filling Stations (excludes Esso Fuel). 1 point awarded per £4 spent elsewhere. 1 point awarded per £4 spent in each purchase transaction (£4 min). Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Cardholders can take advantage of Tesco's exclusive Buy Now Pay Later offers through Tesco Direct, whereby upon purchasing selected items over £250 with the Tesco Credit Card there is the potential to receive 0% interest free for 6 months on that purchase.

  • Travel and/or Hotel Savings
    No cash advance fee and no handling fee on Tesco Travel Money and 0% commission on non-Sterling Travellers Cheques.

More details

  • 0% on balance transfer for 25 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £5,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Santander Credit Card

  • A Santander credit card aimed at transferring balances from other cards.
  • 0% on transfers for 17 months.
  • 0% on purchases for the first 3 months.

3months 0% interest on purchases

17.9% APR

More information

More details

  • 0% on balance transfer for 17 months
  • 3% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £7,500
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Barclaycard Initial

  • 0% on purchases for 3 months from opening your account
  • Receive £10 cashback when you spend a minimum of £200 in the first 3 months of opening your account
  • Start with a low, manageable credit limit that Barclaycard may later review and increase
  • You are unlikely to be accepted if you have missed payments or had a CCJ in the past 12 months

3months 0% interest on purchases

29.9% APR

More information

Rewards

  • Travel Service
    Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card.

More details

  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £10,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 29.9% (variable) per annum, your Representative APR is 29.9% APR (variable).

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.