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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 interest free 0% purchase credit cards.

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Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

  • Limited offer - Only available through selected sites
  • 60 days to transfer balance
  • 20 months 0% on balance transfers (0.9% fee)
More info
20
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • best suited to customers with an income of £20,000
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)
M&S Credit Card

M&S Credit Card

2015 award winner

M&S Credit Card

  • 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
  • 15 months 0% on balance transfers (2.9% fee)
More info
19
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

Additional criteria for acceptance from the lender may 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)
Bank of Scotland 30 Month Balance Transfer

Bank of Scotland 30 Month Balance Transfer

Bank of Scotland 30 Month Balance Transfer

  • 0% on Balance Transfers for the first 30 months
  • 1% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter
More info
12
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)
Halifax 30 Month Balance Transfer

Halifax 30 Month Balance Transfer

Halifax 30 Month Balance Transfer

  • 30 months 0% on balance transfers
  • 1% balance transfer fee for first 90 days, 3% fee thereafter
More info
12
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)
MBNA All Round Credit Card

MBNA All Round Credit Card

0% money transfer
0% money transfer
0% money transfer
0% money transfer
0% money transfer

MBNA All Round Credit Card

  • Up to 20 months 0% on balance transfers (1.5% fee) in first 60 days, 20.9% p.a. with 5 % fee thereafter
  • Up to 20 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
More info
20
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident for at least 3 years
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • no balance transfers from MBNA or Fluid Money credit cards

Additional criteria for acceptance from the lender may 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)
Lloyds Bank Online Platinum 20 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 20 Month Balance Transfer MasterCard

Lloyds Bank Online Platinum 20 Month Balance Transfer MasterCard

  • 20 months 0% on balance transfers made in first 90 days
  • 1.5% transfer fee in first 90 days from account opening, 3% thereafter
More info
20
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)
Lloyds Bank 30 Month Balance Transfer MasterCard

Lloyds Bank 30 Month Balance Transfer MasterCard

Lloyds Bank 30 Month Balance Transfer MasterCard

  • 0% on balance transfers for the first 30 months
  • 1% balance transfer fee applies in the first 90 days, 3% thereafter
More info
12
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)
Lloyds Bank Avios Rewards Amex/MasterCard

Lloyds Bank Avios Rewards Amex/MasterCard

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent (double in first six months)
  • 30 months 0% on balance transfers (3% fee)
  • No foreign transaction fees
  • £24 annual fee
More info
12
 months
0% interest on purchases
£24
23.7% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds credit cards

Additional criteria for acceptance from the lender may 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)
Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

  • Double rewards for the first six months on Amex cards
  • Turn points into cashback, vouchers or Avios
  • £24 annual fee
More info
12
 months
0% interest on purchases
£24
23.7% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

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 Select Credit Card

Nationwide Select Credit Card

2015 award winner

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 26 months 0% on balance transfers
  • No foreign transaction fees
More info
12
 months
0% interest on purchases
No fee
15.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards

Additional criteria for acceptance from the lender may 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)
Santander 123 Credit Card MasterCard

Santander 123 Credit Card MasterCard

No transfer fee

Santander 123 Credit Card MasterCard

  • First year fee-free if you have or open a 123 Current Account. Otherwise £3 monthly fee
  • Up to 3% cashback available
  • 23 months 0% on balance transfers
More info
23
 months
0% interest on purchases
£36
18.4% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No transfers from Santander

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 12.7% (variable) per annum, with a £36 annual fee, your representative APR is 18.4% APR (variable)
Tesco Bank Purchase Credit Card with 1000 Points

Tesco Bank Purchase Credit Card with 1000 Points

2015 award winner

Tesco Bank Purchase Credit Card with 1000 Points

  • 1000 Clubcard points if you make a purchase or transfer a balance within two months of account opening
  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
More info
17
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)
Tesco Bank 21 Month Purchase Clubcard Credit Card

Tesco Bank 21 Month Purchase Clubcard Credit Card

2015 award winner

Tesco Bank 21 Month Purchase Clubcard Credit Card

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
More info
21
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)
TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

TSB Platinum 20 month Purchase and BT MasterCard

  • ClickSafe internet fraud protection
  • Manage your credit card and current account together
More info
20
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)
Santander Credit Card

Santander Credit Card

Santander Credit Card

  • No annual fee
  • 15 months 0% on balance transfers
  • 56 days interest-free on purchases after the 0% period expires provided balance is paid in full and on time each month
More info
15
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)
Post Office Matched Credit Card

Post Office Matched Credit Card

Longest 0% offer
Longest 0% offer

Post Office Matched Credit Card

  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
  • 16 months 0% on balance transfers (2.98% fee)
More info
27
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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)
  • have no outstanding County Court Judgements (CCJs)
  • No balance transfers from Post Office or Bank of Ireland (UK) plc credit cards

Additional criteria for acceptance from the lender may 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)
Clydesdale Bank Gold MasterCard

Clydesdale Bank Gold MasterCard

Clydesdale Bank Gold MasterCard

  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
  • 12 months 0% on balance transfers (3% fee)
More info
26
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards

Additional criteria for acceptance from the lender may 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)
Yorkshire Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

Yorkshire Bank Gold MasterCard

  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
  • 12 months 0% on balance transfers (3% fee)
More info
26
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • no balance transfers from Clydesdale or Yorkshire Bank credit cards

Additional criteria for acceptance from the lender may 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)
Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

2015 award winner

Sainsburys Nectar Purchase Credit Card

  • 2 Nectar points per £1 spent on Sainsbury's shopping & fuel, when you use your Credit Card
  • 1 Nectar point per £5 spent on your Credit Card elsewhere
More info
25
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)
Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

2015 award winner

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

  • Online application decision in 60 seconds
More info
12
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)
Virgin All Round Credit Card

Virgin All Round Credit Card

Virgin All Round Credit Card

  • 18 months 0% on balance transfers, money transfer and purchases
  • 4% money transfers fee in first 60 days, 5% thereafter
  • 2% balance transfers fee in first 60 days, 4% thereafter
More info
18
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)
Fluid Everyday Credit Card

Fluid Everyday Credit Card

Fluid Everyday Credit Card

  • 20 months 0% on balance transfers made in the first 60 days (1.55% fee)
  • 20 months 0% on money transfers made in the first 60 days (4% fee)
  • Eligibility check - see if you qualify without affecting your credit rating. Depending on results product details may vary
More info
20
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit history
  • no balance transfers from Fluid Money or MBNA credit cards

Additional criteria for acceptance from the lender may 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)
Bank of Scotland 21 Month Balance Transfer

Bank of Scotland 21 Month Balance Transfer

Bank of Scotland 21 Month Balance Transfer

  • 21 months 0% on balance transfers
  • 2.5% fee applies on each balance transfer made in the first 90 days, 3% thereafter
More info
21
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)
Halifax 21 Month Balance Transfer Credit Card

Halifax 21 Month Balance Transfer Credit Card

Halifax 21 Month Balance Transfer Credit Card

  • 21 months 0% on balance transfers
  • 2.5% balance transfer fee for first 90 days, 3% fee thereafter
More info
21
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may 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)
AA Dual Credit Card

AA Dual Credit Card

AA Dual Credit Card

  • 24 months 0% on balance transfers (2.98% fee)
  • 40% discount on AA European breakdown cover (terms apply)
  • Add up to three additional cardholders
More info
24
 months
0% interest on purchases
No fee
19.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • must have a 'Excellent' credit rating
  • be aged 18 years or over and UK resident
  • have a current bank or building society account
  • be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
  • not have any outstanding CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Virgin 40 Month Balance Transfer Credit Card

Virgin 40 Month Balance Transfer Credit Card

Virgin 40 Month Balance Transfer Credit Card

  • 0% for 40 months on balance transfers (2.89% transfer fee)
  • 0% for 40 months on money transfers (4% transfer fee)
More info
3
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc

Additional criteria for acceptance from the lender may 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)
Sainsbury’s Nectar Dual Credit Card

Sainsbury’s Nectar Dual Credit Card

2015 award winner

Sainsbury’s Nectar Dual Credit Card

  • 2 Nectar points per £1 spent on Sainsbury's shopping & fuel when you use your Credit Card
  • 1 Nectar point per £5 spent on your Credit Card elsewhere
More info
21
 months
0% interest on purchases
No fee
18.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Frequently asked questions

About interest free 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 above are ordered by duration of 0% purchase offer.

What are 0% purchase credit cards?

Interest free credit cards are simply cards that don’t charge interest on purchases 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% interest 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.

What are 'top deals' and 'featured cards'

One way to sort our table is by ‘top deals’, whereby we highlight cards that are market leaders on uSwitch for particular features. For example, of all the credit cards offering 0% on both balance transfers and purchases, we may highlight the one with the best overall offering on uSwitch in that class.

We do this to highlight that it is the best in its class on uSwitch. We check these deals weekly to ensure they really are the best in that area on our site, so you can rest assured that our top deals are just that - the top deals on uSwitch.