0% purchase credit cards

The time you need to pay off your credit card depends on the length of the 0% purchase period, so look for a card that offers the longest interest-free term to give yourself more flexibility.

The lowest annual percentage rate (APR) on a credit card represents the cost of borrowing once any 0% introductory offer ends. A lower APR means you’ll pay less in interest if you have a balance on your card after the interest-free period.

It’s important to note that the advertised APR might not be the rate you receive. Credit card providers are only required to offer the representative APR to at least 51% of successful applicants.

When comparing cards, aim for the lowest APR to reduce long-term costs, especially if you’re unable to pay off your balance in full each month.

‘All in One’ or ‘all-round’ credit cards offer a 0% introductory period on both purchases and balance transfers, making them a versatile option for managing both new spending and existing credit card debt. This dual benefit can help you avoid interest charges in the short term, while also giving you time to pay off your balances.

It’s important to note that these cards can become costly if you don’t repay what you owe before the 0% introductory period ends, as they typically revert to a higher standard interest rate. Additionally, balance transfers may come with fees, so factor these into your decision-making.

Yes, some 0% purchase credit cards allow you to earn rewards on your spending. These rewards can include loyalty points, vouchers, or air miles. Keep in mind, however, that not all 0% cards offer rewards, so it's important to compare options carefully to find one that suits both your financial goals and lifestyle.

Find out more about reward credit cards.

Learn more from our Credit Card Guides

Once the 0% introductory period ends, any remaining balance will be charged at the card's standard APR, which typically starts from 20%. To avoid high interest, aim to pay off your balance before the 0% offer expires. If that’s not possible, consider transferring the balance to another interest-free card.

Note that balance transfers may incur fees. Cancelling the card could impact your credit score, so weigh the benefits before closing it.

Interest-free credit means you won’t pay interest on your purchases or balance transfers during the promotional period. However, it’s important to remember that the offer is only interest-free if you make your payments on time and pay off the balance within the agreed period. If you miss payments or fail to pay off the balance in full before the 0% period ends, interest is likely to be charged at the card's standard rate, which can be much higher.

No, not all credit cards offer an interest-free period. Many credit cards in the UK provide a 0% interest introductory period on purchases or balance transfers, but this is typically for a limited time. After the introductory period ends, the card will revert to its standard APR. Some credit cards, especially those with lower interest rates or rewards, may not offer any interest-free period at all.