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.

What type of credit card are you looking for?

Barclaycard Platinum Balance Transfer & Purchases Credit Card

Get an exclusive £20 cashback* when you spend £250 or more within 90 days of opening your account. With interest free purchases for up to 22 months & interest free balance transfers for up to 20 months. Offer ends 8th December 2021, *T&Cs apply.

View Exclusive Deal

Representative example: When you spend £1,200 at a rate of 21.90% (variable) per annum, your representative APR is 21.90% APR (variable)

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72 results found, sorted by longest purchase period.

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Tesco Bank Purchases Credit Card

Interest on purchases

0%for23months

Account fee

£0

Interest on balance transfers

0%for3months with a2.99%fee

Representative APR (variable)

20.9%APR

Representative example:

The standard interest rate on purchases is 20.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).

Additional information

0% interest on purchases for up to 23 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.
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

Sainsbury's Bank Dual Offer Credit Card

Interest on purchases

0%for22months

Account fee

£0

Interest on balance transfers

0%for22months with a3%fee (£3 min.)

Representative APR (variable)

20.9%APR

Representative example:

The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).

Additional information

Sainsbury's Bank may offer you a 0% interest period on balance transfers and purchases of 22 or 14 months depending on your individual circumstances
Balance transfer fee of 3% (minimum £3) at application. 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.

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%for22months

Account fee

£0

Interest on balance transfers

0%for22months 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

0% on purchases for 22 months
0% on balance transfers for 22 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
Earn M&S points every time you shop

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

Exclusive £20 cashback

Barclaycard Platinum Balance Transfer & Purchase Credit Card

Interest on purchases

0%for22months

Account fee

£0

Interest on balance transfers

0%for20months with a2.9%fee

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

22 months 0% on purchases
20 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
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.

Eligibility

be a permanent UK resident
be 18 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

Lloyds Bank 0% Purchase and Balance Transfer Card

Interest on purchases

0%for21months

Account fee

£0

Interest on balance transfers

0%for18months with a2.99%fee

Representative APR (variable)

21.9%APR

Representative example:

The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Additional information

Up to 18 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 21 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

Tesco Bank Balance Transfer and Purchases Credit Card

Interest on purchases

0%for20months

Account fee

£0

Interest on balance transfers

0%for20months with a1.99%fee

Representative APR (variable)

20.9%APR

Representative example:

The standard interest rate on purchases is 20.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).

Additional information

0% interest on balance transfers for up to 20 months from account opening, with a 1.99% transfer fee. We may offer you a 0% interest period of 16 or 12 months instead depending on your individual circumstances.
0% interest on purchases for up to 20 months from account opening. We may offer you a 0% interest period of 16 or 12 months instead depending on your individual circumstances.
The 0% interest rate on balance transfers applies to any transfers made within the first 90 days of opening your account.

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
additional criteria for acceptance from the lender may apply

Virgin Money All Round Credit Card (19m) (23.9%)

Interest on purchases

0%for19months

Account fee

£0

Interest on balance transfers

0%for19months with a2.9%fee

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

Virgin Money Back 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'.
19 months 0% for balance transfers, 16 months 0% for money transfers and 19 months 0% for purchases
2.90% balance transfer fee
4% money transfer fee
Contactless payments on purchases up to £100. 20% off Virgin Experience Days, plus many more Virgin Group discounts. Terms Apply. Exclusive access to Virgin Money Lounges – the perfect place to relax and unwind.

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

Virgin Money All Round Credit Card (19m) (21.9%)

Interest on purchases

0%for19months

Account fee

£0

Interest on balance transfers

0%for19months with a2.9%fee

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

Virgin Money Back 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'.
19 months 0% for balance transfers, 16 months 0% for money transfers and 19 months 0% for purchases
2.9% balance transfer fee
4% money transfer fee
Contactless payments on purchases up to £100. 20% off Virgin Experience Days, plus many more Virgin Group discounts. Terms Apply. Exclusive access to Virgin Money Lounges – the perfect place to relax and unwind.

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

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.

Frequently asked questions

Credit card guides

Debt help

Edited 17 July, 2021

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 do not 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. And you will 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.

How do 0% purchase credit cards work?

A 0% interest credit card has a set period where no interest is charged on the balance built up on the card with new purchases. 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.

As well as 0% periods of as long as 21 months, several cards come with additional perks - letting you build up things like nectar or Clubcard points, airmiles, get free use of executive lounges in airports and more.

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

When you use a credit card to buy something costing between £100 and £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 called Section 75 and is part of the 1974 Consumer Credit Act.

It's based on the cash price the item you pay for, and applies even if just £1 of the payment is made by card. Section 75 can be useful if the supplier goes bust. It applies in the UK or abroad.

Things to consider before applying for a 0% purchase credit card

A 0% purchase card can be a good way to borrow for free during the introductory period. But there are a few important things to remember before applying.

0% interest does not apply to cash withdrawals

The 0% interest free period only applies to purchases you make with the card. If you withdraw any cash with the card, you'll be charged a higher rate and additional fees and this could make an amount you thought would be free could now become very expensive.

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.

Be careful. The 0% deal usually starts on the date the card is issued and it might not coincide with your usual repayment date.

A 0% purchase card might not be for you if you think you'll 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 will 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.

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.

How to compare credit cards to find the best interest free offer for you

The longer the 0% purchase period, the longer you have to pay back your balance without being charged any interest.

But 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

The longer the 0% period, the longer you have to spread your repayments.

To get the most time possible to pay off your credit card before you're charged any interest, look for a card with the longest 0% period.

Lowest APR

The annual percentage rate (APR) shows you what the credit card will cost you once your 0% introductory period ends. A higher APR means higher repayments.

Depending on your financial situation, the credit card provider might not give you the APR you see advertised. Credit card providers only have to give the typical APR they advertise to around 50% of successful applicants.

0% on both purchases and balance transfers

You can avoid interest on both your spending and existing credit card debts with just one card.

These cards are commonly called 'all in one' or 'all round' credit cards. They work by offering a 0% introductory period on both balance transfers and purchases.

But they can become expensive if you're unable to pay off what you owe once the 0% introductory period ends. If you transfer a balance and continue to spend on the card, you could end up with much more debt than you started with.

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

0% credit cards with rewards

Some 0% purchase credit cards will offer you the chance to earn rewards on your spending. This includes things like loyalty card points, vouchers and air miles.

Find out more about reward credit cards.

Learn more from our Credit Card Guides

What does 'most popular' mean?

When we use the term ‘most popular’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 48 hours.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.