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
0% purchase cashback
Santander 123 Credit Card MasterCard

Santander 123 Credit Card MasterCard

  • 3% cashback on petrol and National Rail and TFL purchases
  • 2% cashback at major department stores
  • 1% cashback at major supermarkets
  • 18 months 0% on purchases
  • No annual fee for the first year if you already have, or open a new, 123 Current Account – offer valid until 31/12/2014
18 months 0% interest on purchases
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
18 months 0% interest on purchases
9 months 0% interest on transfers
3.0% fee on balance transfers
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% purchase reward
Tesco Bank Clubcard Credit Card for Purchases

Tesco Bank Clubcard Credit Card for Purchases

  • 18 months 0% on purchases
  • Up to 5 Clubcard points for every £4 spent
  • 3 months 0% on balance transfers
18 months 0% interest on purchases
3 months 0% interest on transfers
2.9% fee on balance transfers
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 reward
Sainsbury's Bank Nectar Credit Card

Sainsbury's Bank Nectar Credit Card

  • 16 months 0% on purchases
  • 16 months 0% on balance transfers
  • Up to 2 Nectar points for every £1 spent
16 months 0% interest on purchases
16 months 0% interest on transfers
3.0% fee on balance transfers
Representative example: When you spend £1,200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).
award winner 0% purchase
American Express Platinum Cashback Purchases Card

American Express Platinum Cashback Purchases Card

  • 16 months 0% on purchases
  • 1.25% cashback on all spending
  • £25 annual fee
16 months 0% interest on purchases
Representative example: When you spend £1,200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your Representative APR is 18.7% APR (variable).
most popular 0% balance transfer 0% purchase cashback travel
Nationwide Building Society Select Credit Card

Nationwide Building Society Select Credit Card

  • Nationwide FlexAccount customers only
  • 0.5% cashback on all sterling purchases
  • 26 months 0% on balance transfers
  • 15 months 0% on purchases
  • Commission-free purchases abroad
  • No annual fee
15 months 0% interest on purchases
26 months 0% interest on transfers
2.4% fee on balance transfers
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).
award winner 0% balance transfer 0% purchase reward
M&S Credit Card

M&S Credit Card

  • 15 months 0% on purchases
  • 1 M&S point for every £1 spent
  • 12 months 0% on balance transfers
  • 2.9% balance transfer fee
15 months 0% interest on purchases
12 months 0% interest on transfers
2.9% fee on balance transfers
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
Halifax All in One Credit Card

Halifax All in One Credit Card

  • 15 months 0% on purchases
  • 15 months 0% on balance transfers
  • 0.8% balance transfer fee after refund from 3%
15 months 0% interest on purchases
15 months 0% interest on transfers
0.8% fee on balance transfers
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
Nationwide BS Credit Card Purchase Visa

Nationwide BS Credit Card Purchase Visa

  • 15 months 0% on purchases
  • Allowance for commission-free purchases abroad
  • Access to exclusive deals with Simply Rewards
15 months 0% interest on purchases
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
Barclaycard Platinum Purchase & BT Visa

Barclaycard Platinum Purchase & BT Visa

  • 18 months 0% on balance transfers
  • 14 months 0% on purchases
  • 2.49% balance transfer fee after refund from 2.9%
14 months 0% interest on purchases
18 months 0% interest on transfers
2.49% fee on balance transfers
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
TSB Platinum Purchase MasterCard

TSB Platinum Purchase MasterCard

  • 13 months 0% on purchases
  • 13 months 0% on balance transfers
  • 1% balance transfer fee after refund from 3%
13 months 0% interest on purchases
13 months 0% interest on transfers
1.0% fee on balance transfers
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% balance transfer 0% purchase reward
Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

  • Choice of rewards for your everyday spend
  • Turn points into cashback, vouchers or Avios
  • Double rewards for the first 6 months on Amex card
  • 13 months 0% on balance transfers
  • 13 months 0% on purchases
13 months 0% interest on purchases
13 months 0% interest on transfers
3.0% fee on balance transfers
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, with a £24 annual fee, your Representative APR is 22.7% 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
  • 13 months 0% on balance transfers
  • 13 months 0% on purchases
  • £24 annual fee
13 months 0% interest on purchases
13 months 0% interest on transfers
3.0% fee on balance transfers
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, with a £24 annual fee, your Representative APR is 22.7% 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
  • 13 months 0% on balance transfers
  • 13 months 0% on purchases
  • £140 annual fee
13 months 0% interest on purchases
13 months 0% interest on transfers
3.0% fee on balance transfers
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, with a £140 annual fee, your Representative APR is 50.8% APR (variable).
0% balance transfer 0% purchase 0% credit cards
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
  • 12 months 0% on balance transfers
  • 0.65% balance transfer fee
  • Up to 5 Clubcard points for every £4 spent
12 months 0% interest on purchases
12 months 0% interest on transfers
0.65% fee on balance transfers
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your Representative APR is 18.9% APR (variable).

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this credit card comparison service with information provided by Moneyfacts.co.uk who are authorised and regulated by the Financial Conduct Authority (FSA FRN 486048).

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.