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0% purchase credit cards

You can pay no interest on new purchases with a 0% purchase credit card. Compare credit cards that offer interest free periods on purchases below. Additional results may be available with an eligibility check.

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  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy
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61 results found, sorted by longest purchase period.
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Barclaycard Platinum Balance Transfer & Purchase Credit Card

Interest on purchases
0%for25months
Account fee
£0
Interest on balance transfers
0%for22months with a2.9%fee
Representative APR (variable)
22.9%APR
Representative example:
The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Additional information
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.
  • 25 months 0% on purchases
  • 22 months 0% balance transfer (2.9% transfer fee applies. Terms and conditions apply).
  • Earn up to 15% cashback automatically when you spend at a range of participating retailers with Barclaycard Cashback Rewards. This is a new benefit, available to all Barclaycard Visa credit card customers. T&Cs apply
Eligibility
  • be a permanent UK resident
  • be 21 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
  • additional criteria for acceptance from the lender may apply

Sainsbury's Bank Dual Offer Credit Card

Interest on purchases
0%for21months
Account fee
£0
Interest on balance transfers
0%for21months with a3%fee (£3 min.)
Representative APR (variable)
21.9%APR
Representative example:
The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • Sainsbury's Bank may offer you a 0% interest period on balance transfers and purchases of 21 or 13 months depending on your individual circumstances
  • Balance transfer fee of 3% or 4% applies to transfers made within the first3 months. The charge will depend on your current offer thereafter.
  • Up to 5,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first 2 months you'll get 500 points. T&Cs apply.
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Eligibility
  • be a 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

M&S Bank Shopping Plus Credit Card

Interest on purchases
0%for21months
Account fee
£0
Interest on balance transfers
0%for18months with a2.99%fee (£5 min.)
Representative APR (variable)
23.9%APR
Representative example:
The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Additional information
  • 0% on purchases for 21 months
  • Collect one point per £1 spent at M&S online and in-store. Collect one point per £5 spent elsewhere and abroad. You will be rewarded in vouchers to spend at M&S
  • 0% on balance transfers for 18 months, available for 90 days from account opening (2.99% fee applies, minimum £5)
Eligibility
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident
  • have an annual income/pension of at least £6,800
  • additional criteria for acceptance from the lender may apply

Lloyds 0% Purchase and Balance Transfer Card

Interest on purchases
0%for17months
Account fee
£0
Interest on balance transfers
0%for15months with a2.99%fee
Representative APR (variable)
22.9%APR
Representative example:
The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Additional information
  • Up to 15 months 0% on balance transfers (2.99% fee) made within 90 days of account opening 5% fee thereafter.
  • 0% on purchases made in the first 17 months from account opening.
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not been declined a Lloyds Bank credit card within the last 30 days
  • can't transfer from another Lloyds Bank account
  • additional criteria for acceptance from the lender may apply
Which? Recommended Credit Cards Provider in 2022

Virgin Money All Round Credit Card (16 Mths) (22.9%)

Interest on purchases
0%for16months
Account fee
£0
Interest on balance transfers
0%for16months with a3%fee
Representative APR (variable)
22.9%APR
Representative example:
The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Additional information
  • Virgin Money Cashback offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
  • 16 months 0% for balance transfers, 16 months 0% for money transfers and 19 months 0% for purchases
  • 3% balance transfer fee
  • 4% money transfer fee
  • Contactless payments on purchases up to £100.
Eligibility
  • be 18 or older
  • be a UK resident
  • have a good credit history
  • no balance transfers from Clydesdale Bank PLC
  • additional criteria for acceptance from the lender may apply

Tesco Bank Purchases Credit Card

Interest on purchases
0%for14months
Account fee
£0
Interest on balance transfers
0%for3months with a2.99%fee
Representative APR (variable)
22.9%APR
Representative example:
The standard interest rate on purchases is 22.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Additional information
  • 0% interest on purchases for up to 14 months from account opening.
  • You might get a different interest rate or promotional period to those shown here, because this depends on your circumstances
  • Collect Tesco Clubcard points almost everywhere you use your card, plus your usual points in Tesco. Minimum spend applies.
  • Balance transfers must be made within the first 90 days to get the promotional offer. You can transfer up to 95% of your available credit limit. You can't transfer a balance from another card issued by Tesco Bank.
Eligibility
  • be a UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • hold no more than one Tesco Bank Credit Card
  • have an annual income of at least £5,000
  • additional criteria for acceptance from the lender may apply
Which? Recommended Credit Cards Provider in 2022

Virgin Money All Round Credit Card (14 Mths) (26.9%)

Interest on purchases
0%for14months
Account fee
£0
Interest on balance transfers
0%for14months with a3%fee
Representative APR (variable)
26.9%APR
Representative example:
The standard interest rate on purchases is 26.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 26.9% (variable).
Additional information
  • Virgin Money Cashback offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
  • 14 months 0% for balance transfers, 12 months 0% for money transfers and 14 months 0% for purchases
  • 3% balance transfer fee
  • 4% money transfer fee
  • Contactless payments on purchases up to £100.
Eligibility
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Clydesdale Bank PLC
  • additional criteria for acceptance from the lender may apply

M&S Bank Reward Credit Card

Interest on purchases
0%for12months
Account fee
£0
Interest on balance transfers
0%for12months with a2.9%fee (£5 min.)
Representative APR (variable)
21.9%APR
Representative example:
The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • Collect one point per £1 spent at M&S online and in-store. Collect one point per £5 spent elsewhere and abroad. You will be rewarded in vouchers to spend at M&S
  • Double M&S points on all your M&S shopping for the first 12 months
  • 0% on shopping for 12 months
  • 0% on balance transfers for 12 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
Eligibility
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident
  • have an annual income/pension of at least £6,800
  • additional criteria for acceptance from the lender may apply

Uswitch Limited is a credit broker, not a lender, for consumer credit.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What is a 0% purchase credit card?

Interest free or 0% purchase credit cards, let you to essentially borrow for free in the short term. That's because they don't charge interest on spending during the introductory period.

They can be a great way to spread the cost of expensive items like sofas, TVs and holidays over months or potentially years.

These 0% interest purchase credit cards are only interest free for a fixed period of time. You'll still need to meet your minimum monthly repayments to keep the 0% interest offer in place.

Depending on the interest free period, you may pay no interest on your big purchase at all, provided you repay the full amount owing before the interest-free period expires.

Remember...

A 0% purchase card can be a good way to borrow for free during the introductory period.

But it's important to read the terms and conditions before applying.

Advantages of an interest free credit card


  • Spread the cost of large purchases

You can effectively borrow for free by using a 0% purchase card to spread the cost of large purchases such as furniture, a car, or electrical goods.

Use the 0% interest credit card to make the purchase. Then divide the balance on the card by the number of months remaining on the 0% period. Set up a direct debit paying this amount each month to pay off the debt before the 0% deal ends.

For example:

Item cost - £3,000

0% introductory offer - 24 months

Total debt ÷ 24 months = £125

Monthly repayment to to clear balance within 0% period = £125

  • Purchase protection on items over £100

Section 75 is part of the 1974 Consumer Credit Act.

When you use a credit card to buy something costing between £101 and up to £30,000, both the card provider and supplier you’re buying from are responsible for your purchase.

This means you can claim your money back from either the provider or the supplier if the item is:

- Faulty

- Not as described

- Not delivered

It's based on the cash price of the item you pay for, even if you only pay the deposit by credit card. Section 75 can be useful if the supplier goes bust. It applies in the UK or abroad.

Find the credit card that's right for you

It's quick, free and easy
Check eligibility

How do 0% purchase credit cards work?


A 0% purchase credit card has a set period where no interest is charged. So any purchases made will not incur interest charges. This period usually begins from the moment you get the card.

The length of the 0% period is usually measured in months, even for the cards that charge no interest for more than a year, such as 13 months or 24 months.

As well as 0% periods, several cards come with additional perks - letting you build up things like Nectar or Clubcard points, Airmiles, free use of executive lounges in airports and more.

Find out more about 0% balance transfer and purchase cards.

Be sure about your balance transfers...

If you transfer a balance and continue to spend on the card, you could end up with much more debt than you started with.

Will you struggle to pay off your debt?

You should only consider getting a purchase credit card if you know you can clear the debt before the 0% interest deal ends.

If you feel you'll be unable to pay off the debt within the introductory period, you'll need a card that's more suitable for sustained borrowing. You might want to consider getting a low APR credit card.

Is a 0% purchase credit card right for you?

  • 0% interest does not apply to cash withdrawals

The 0% interest free period only applies to purchases you make with the card. You'll be charged a higher rate and additional fees for cash withdrawals.

  • You might lose the 0% offer

You will need to meet all your minimum monthly repayments, or you might lose the 0% interest offer. And you must not go over the credit card limit set by the credit card provider.

  • The 0% interest free period will not last forever

When the 0% on purchases introductory period ends, the interest will rise to a more expensive standard rate.

To avoid paying high interest rates make a note of when the 0% interest rate ends. And make sure you've cleared the debt before this date.

You might get a shorter 0% introductory period than advertised

If you’ve had a poor credit history, credit card providers might offer you a shorter introductory period than you see advertised.

See how likely you are to be approved for a credit card using our credit card eligibility checker.

Comparing credit cards to find the best interest free offer for you

Many cards offer more than just 0% on purchases. What makes the best purchase credit card for you will depend on your needs.

  • Longest 0% purchase period

  • Lowest APR

  • 0% on both purchases and balance transfers

  • 0% credit cards with rewards


0 percent purchase credit cards FAQs

Explore related products

What is a credit card?

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Section 75 - What is credit card protection?

For many people using a credit card can offer great benefits. A key perk of owning a credit card is the protection you're given with Section 75.

How to pay off credit card debt

Here is our step-by-step guide to help you pay off credit card debt, rebuild your credit score and regain your financial health.

Debt help

Debt can often cause stress and anxiety, our debt help guides provide tips and resources, to get back on track with your finances.

Help is at hand

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy
Check eligibility