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.

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Sort by popularity APR Purchases Balance transfer Transfer fee

Barclaycard Platinum Purchase & Balance Transfer Visa

0% Balance Transfer 0% Purchase 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%
Representative (variable)
14
 months
0% interest on purchases
23
 months
0% interest on transfers
2.49%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have a good credit rating and have an income of £20,000 or more.
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

0% Purchase 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%
Representative (variable)
19
 months
0% interest on purchases
15
 months
0% interest on transfers
2.9%
Transfer fee
Apply
To get this card you must have a good credit rating, be 18 or older and 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

0% Balance Transfer 0% Purchase 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%
Representative (variable)
16
 months
0% interest on purchases
22
 months
0% interest on transfers
1.75%
Transfer fee
Apply
To get this card you must be a permanent UK resident for at least 3 years and be 18 or older.
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 0% Purchase 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%
Representative (variable)
12
 months
0% interest on purchases
28
 months
0% interest on transfers
3.0%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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).

Nationwide Credit Card Purchase Visa

2014 award winner 0% Purchase Travel

Nationwide Credit Card Purchase Visa

Features
  • Commission-free allowance abroad
  • Access to exclusive deals with Simply Rewards
more info
17.9%
Representative (variable)
15
 months
0% interest on purchases
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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

2014 award winner reduced fee offer 0% Balance Transfer 0% Purchase Cashback

Nationwide Select Low Balance Transfer Fee Visa

Features
  • Nationwide current account customers only
  • 0.5% cashback on all purchases
  • No foreign transaction fees
more info
15.9%
Representative (variable)
15
 months
0% interest on purchases
15
 months
0% interest on transfers
0.25%
Transfer fee
Apply
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 and have an income of £5,000 or more.
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 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%
Representative (variable)
15
 months
0% interest on purchases
26
 months
0% interest on transfers
2.4%
Transfer fee
Apply
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 and be an existing Nationwide current account customer.
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

No Balance Transfer Fee Credit Card

0% Balance Transfer 0% Purchase Reward No Annual Fee

No Balance Transfer Fee Credit Card

Features
  • Double Nectar points on Sainsbury's shopping
more info
18.9%
Representative (variable)
13
 months
0% interest on purchases
13
 months
0% interest on transfers
0.0%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have a good credit rating, not have been declined for credit in the last month and 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).

Santander 123 Credit Card MasterCard

most popular 0% Purchase 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%
Representative (variable)
23
 months
0% interest on purchases
23
 months
0% interest on transfers
0.0%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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).

No Balance Transfer Fee Tesco Clubcard Credit Card

market leading 0% Balance Transfer 0% Purchase Reward Instant Decision

No Balance Transfer Fee Tesco Clubcard Credit Card

Features
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
more info
18.9%
Representative (variable)
12
 months
0% interest on purchases
12
 months
0% interest on transfers
0.0%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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 Purchase card with 1000 points

0% Purchase 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
  • 5 Clubcard points for every £4 spent in Tesco, 1 for every £4 spent elsewhere
more info
18.9%
Representative (variable)
17
 months
0% interest on purchases
3
 months
0% interest on transfers
2.9%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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 19 Month Purchase Clubcard Credit Card

market leading 0% Purchase Reward No Annual Fee

Tesco Bank 19 Month Purchase Clubcard Credit Card

Features
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
more info
18.9%
Representative (variable)
19
 months
0% interest on purchases
3
 months
0% interest on transfers
2.9%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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).

TSB Platinum Purchase MasterCard

0% Balance Transfer 0% Purchase

TSB Platinum Purchase MasterCard

Features
  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
more info
17.9%
Representative (variable)
13
 months
0% interest on purchases
13
 months
0% interest on transfers
1.0%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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

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%
Representative (variable)
15
 months
0% interest on purchases
15
 months
0% interest on transfers
0.0%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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 0% Purchase 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%
Representative (variable)
16
 months
0% interest on purchases
16
 months
0% interest on transfers
2.89%
Transfer fee
Apply
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) and have no outstanding County Court Judgements (CCJs).
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Emirates Skywards Credit Card

0% Balance Transfer Reward Travel Airline Money Transfer 0% Purchase

Emirates Skywards Credit Card

Features
  • 10,000 Bonus Skyward Miles if you spend £1,000 within 90 days
  • 0% on money and balance transfers for up to 6 months (2% handling fee)
  • 0% on Emirates flights for up to 12 months
more info
17.9%
Representative (variable)
12
 months
0% interest on purchases
6
 months
0% interest on transfers
2.0%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and 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).

Emirates Skywards Elite Credit Card

0% Balance Transfer Reward Travel Airline Money Transfer 0% Purchase Premium Credit Cards

Emirates Skywards Elite Credit Card

Features
  • 20,000 Bonus Skyward Miles if you spend £2,000 within 90 days
  • 0% on money and balance transfers for up to 6 months, 2% handling fee (£3 min)
  • 0% on Emirates flights for up to 12 months
more info
54.9%
Representative (variable)
12
 months
0% interest on purchases
6
 months
0% interest on transfers
2.0%
Transfer fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £150 annual fee, your representative APR is 54.9% APR (variable).

Clydesdale Bank Gold MasterCard

new release 0% Balance Transfer 0% Purchase No Annual Fee

Clydesdale Bank Gold MasterCard

Features
  • Contactless payments under £20
  • MasterCard SecureCode for safer online shopping
more info
18.9%
Representative (variable)
20
 months
0% interest on purchases
12
 months
0% interest on transfers
3.0%
Transfer fee
Apply
To get this card you must be 18 or older and have a permanent UK address.
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 0% Purchase 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%
Representative (variable)
20
 months
0% interest on purchases
12
 months
0% interest on transfers
3.0%
Transfer fee
Apply
To get this card you must be 18 or older and have a permanent UK address.
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

0% Balance Transfer 0% Purchase 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%
Representative (variable)
19
 months
0% interest on purchases
19
 months
0% interest on transfers
3.0%
Transfer fee
Apply
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 and 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).

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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.