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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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.
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.
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.
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.
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.
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.
We compare credit over 100 credit cards from all of the major banks and credit card providers.
However, we do not compare all the credit cards that are available in the UK.
This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.
There are also many credit cards that are only available to people in member organisations and clubs.
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