Compare 0% Purchase Credit Cards

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

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Sort by: Interest free purchases for Representative APR (variable) You save
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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

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

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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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

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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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

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

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

  • Offers 0% on purchases and balance transfers for 14 months
  • Limited June offer - A refund reduces your BT fee from 2.90% to 2.47% (terms and conditions apply)

14months 0% interest on purchases

18.9% APR

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

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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Tesco Bank Clubcard credit card with no Balance Transfer Fee

  • No fee to transfer a balance
  • 12 months 0% interest on balance transfers and purchases
  • Earn Clubcard points on your spending: One point awarded for every £4 spent in each purchase transaction (£4 min) - must have available credit

12months 0% interest on purchases

16.9% APR

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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MBNA Everyday Credit Card Visa

  • 0% on balance transfers for 18 months from account opening (with a low 1.99% handling fee). Balance needs to be transferred within the first 60 days of account opening.
  • 0% on card purchases for 8 months.

8months 0% interest on purchases

12.9% APR

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

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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Virgin Money Credit Card MasterCard

  • 0% interest on balance transfers for 26 months and 0% interest on purchases for 6 months
  • Choose the colour of your credit card from red, silver, purple or black
  • Exclusive discounts across the Virgin group (Virgin Holidays, Virgin Wines,Virgin Active, Virgin Experiences and Virgin Balloon Flights).

6months 0% interest on purchases

17.9% APR

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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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

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

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 15 Month Low Rate Visa

  • A low 2.9% interest on balance transfers for 15 months from account opening
  • Limited June offer - No balance transfer fee
  • 0% interest on purchases for 6 months from account opening

6months 0% interest on purchases

18.9% APR

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 26 Months Balance Transfer

  • Limited June Offer - A refund reduces your BT fee from 3.50% to 2.47% (terms and conditions apply)
  • 0% interest on purchases for the first 6 months.

6months 0% interest on purchases

18.9% APR

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 27 Months Balance Transfer

  • Limited June offer - A refund reduces your BT fee from 3.90% to 2.98% (terms and conditions apply)
  • 0% interest on purchases for 6 months from account opening

6months 0% interest on purchases

18.9% APR

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 Initial

  • Limited offer - 0% on purchases for 5 months from account opening. Offer ends 30th June
  • 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

5months 0% interest on purchases

29.9% APR

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

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

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

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

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

About 0% Purchase 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.

Learn more from our Credit Card Guides

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