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Check your eligibility for credit cards

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Sainsburys Nectar Purchase Credit Card
Sainsburys Nectar Purchase Credit Card
32 months
No fee
3 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • Offer only available until 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 2.88% effective balance transfer fee, refunded from 3%, on transfers made in the first 3 months (3% thereafter, £3 minimum fee at all times)
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.
Santander Everyday Credit Card
Santander Everyday Credit Card
30 months
No fee
30 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • 30 months 0% on purchases
  • 30 months 0% on balance transfers with 2.75% transfer fee
  • Manage your account online or with Santander app
To get this card you must at least:
  • be a permanent UK resident
  • minimum income of £7,500
  • must not be an existing Santander balance transfer credit card customer
  • be 18 or older
  • have a good credit rating
Additional criteria for acceptance from the lender may apply.
Halifax 30 Month Purchase Credit Card
Halifax 30 Month Purchase Credit Card
30 months
No fee
6 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • 30 months 0% on purchases
  • 6 months 0% on balance transfers
  • You may be eligible to apply for this as a second credit card. Terms apply
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 Halifax Bank
Additional criteria for acceptance from the lender may apply.
The AA Dual Credit Card
The AA Dual Credit Card
30 months
No fee
12 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • Up to 30 months 0% on purchases
  • Up to 12 months 0% on balance transfers with 2.70% transfer fee
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
  • no balance transfers from: Post Office or Bank of Ireland
Additional criteria for acceptance from the lender may apply.
Sainsbury’s Bank Dual Credit Card
Sainsbury’s Bank Dual Credit Card
30 months
No fee
30 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • Offer only available until 28 December 2017
  • Up to 10,000 bonus Nectar points. Each time you spend £35 on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply
  • 2.74% effective balance transfer fee, refunded from 3% within 60 days, on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
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.
Post Office Matched Credit Card
Post Office Matched Credit Card
30 months
No fee
30 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • Add up to three additional cardholders for free
  • No cash advance fee when you purchase Post Office Travel Money
  • 30 months 0% on balance transfers (2.75% fee)
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.
Post Office Money Platinum Credit Card
Post Office Money Platinum Credit Card
28 months
No fee
18 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • 18 months 0% on balance transfers (2.89% transfer fee)
  • No foreign transaction fees
  • No cash advance fee when you purchase Post Office Travel Money
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 Post Office or Bank of Ireland (UK) plc credit cards
Additional criteria for acceptance from the lender may apply.
Virgin Money 28 Month Purchase Credit Card
Virgin Money 28 Month Purchase Credit Card
28 months
No fee
18 months
19.9% APR
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Key details
Card details
  • 18 months 0% on balance transfers (2% fee)
  • 18 months 0% on money transfers (3% fee)
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.
Virgin Money 27 Month All Round Credit Card
Virgin Money 27 Month All Round Credit Card
27 months
No fee
27 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • 27 months 0% for balance transfers, money transfers and purchases
  • 2.70% balance transfer fee
  • 2.70% money transfer fee
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.
Yorkshire Bank Gold MasterCard
Yorkshire Bank Gold MasterCard
26 months
No fee
12 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • Contactless payments under £30
  • MasterCard SecureCode for safer online shopping
  • 12 months 0% on balance transfers (3% fee)
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.

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.

Does uSwitch compare all the credit cards on the market?

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.