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0% Purchase Credit Cards

  • Spread the cost of your next purchase without paying any interest with these 0% purchase credit cards.
  • Compare the latest interest free periods, fees and rates to see how much you could save.
  • There are 14 out of 88 cards matching this search.
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MBNA Balance Transfer Credit Card
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  • 0% for up to 39 months from account opening on balance transfers made in the first 60 days
  • 1.48% effective fee applies on each balance transfer made in the first 60 days
  • Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

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    • Halifax 30 Month Purchase Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 6 months
      (3% fee)
    • New Purchases Offer
      0% Fixed
      For 30 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • 30 months at 0% on purchases. 0% interest for 6 months on balances transferred within the first 90 days after your account is opened. 3.00% fee applies on each balance transfer.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Virgin All Round Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (1.5% fee)
    • New Purchases Offer
      0% Fixed
      For 25 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 25 months on purchases, 0% for 25 months on balance transfers, with a fee of 1.50% and 0% for 25 months on money transfers, with a fee of 2%.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Barclaycard Platinum 25 Month Balance Transfer and Purchase Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (1.49% fee)
    • New Purchases Offer
      0% Fixed
      For 25 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £250
      • Provider
        Barclaycard

      Benefits

        • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
        • Contactless payment for items up to £30.
        • Instant online decision available.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. 2.5% Balance Transfer Fee applies but this is reduced to 1.49% by a refund (Terms and conditions apply).

    • Sainsbury's Bank Dual Offer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 30 months
      (2.74% fee)
    • New Purchases Offer
      0% Fixed
      For 30 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • 3% balance transfer fee refunded to 2.74% on transfers made in the first 3 months. (3% thereafter, £3 minimum at all times).
      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status.
        • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017.
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • If your application is approved you are guaranteed to get the 0% interest period advertised.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). 3% balance transfer fee refunded to 2.74% on transfers made in the first 3 months. (3% thereafter, £3 minimum at all times.) Credit available subject to status.

    • Sainsbury's Bank Purchase Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 3 months
      (2.88% fee)
    • New Purchases Offer
      0% Fixed
      For 32 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Reduced Balance Transfer fee made by partial refund of an initial 3.00% balance transfer fee. T&C's apply.
      • Provider
        Sainsbury's Bank

      Benefits

        • Interest rate and credit limit are subject to status.
        • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
        • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017.
        • If your application is approved you are guaranteed to get the 0% interest period advertised.
        • Reduced Balance Transfer fee made by partial refund of an initial 3.00% balance transfer fee. T&C's apply.
        • No annual fee.

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident.
        • You must not be an existing Sainsbury's Bank Credit Card customer.
      • Min Age
        18
      • Visit Website
      • Up to 10,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 1,000 points. T&Cs apply. Ends 28th December 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 2.88% fee to transfer a balance to this card (by way of a 0.12% refund of the initial fee) in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).

    • AA Dual Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 12 months
      (2.7% fee)
    • New Purchases Offer
      0% Fixed
      For 30 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £1,000
      • Provider
        AA

      Benefits

        • Manage your card on the go with the AA Credit Card mobile servicing app.
        • 0% for 12 months on balance transfers is only available on transfers made within the first 3 months of account opening. 2.70% fee applies.
        • 0% for 30 months on purchases is only available if a transaction is made within the first 3 months of account opening.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must have a good credit rating to apply.
        • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
      • Min Income
        £8,000
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • MBNA All Round Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 30 months
      (2.72% fee)
    • New Purchases Offer
      0% Fixed
      For 30 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Provider
        MBNA Limited

      Benefits

        • 0% on balance transfers for up to 30 months from the date your account is opened (2.72% handling fee). Offer only applies to transfers made within the first 60 days. You are not able to transfer a balance from another MBNA credit card.
        • 0% on purchases for up to 30 months from the date your account is opened.
        • 0% on money transfers for up to 30 months from the date your account is opened (4% handling fee). Offer only applies to transfers made within the first 60 days.
        • When these offers come to an end and for transfers made after the 60 days, the standard rate for balance transfers is 20.9% p.a.and for money transfers is 22.9% p.a. (5% handling fee applies to both). The standard rate for purchases is 19.9% p.a.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • Hold a UK bank/building society account.
        • UK permanent address for at least 3 years.
        • Good credit rating/history.
        • Eligibility for this credit card depends on your circumstances and the results of MBNA's eligibility check. The product, APR and promotional offer you could get may differ from the example.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    • Virgin 28 Month Purchase Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 18 months
      (2% fee)
    • New Purchases Offer
      0% Fixed
      For 28 months
    • Representative APR
      19.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 28 months on purchases, 0% for 18 months on balance transfers, with a fee of 2% and 0% for 18 months on money transfers, with a fee of 3%.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

    • Virgin 27 Month All Round Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 27 months
      (2.7% fee)
    • New Purchases Offer
      0% Fixed
      For 27 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

        • Contactless payment for items up to £30.
        • Choose from a range of different card designs.
      • Provider
        Virgin Money

      Benefits

        • 0% for 27 months on purchases, 0% for 27 months on balance transfers, with a fee of 2.70% and 0% for 27 months on money transfers, with a fee of 2.70%.
        • Earn cashback when you shop online with over 250 top brands with Virgin Money Back and enjoy exclusive offers and rewards from our family with the Virgin Red app
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must be a UK resident and hold a UK bank/building society account.
        • You must have good credit history.
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • M&S Shopping Plus Offer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 25 months
      (2.9% fee)
    • New Purchases Offer
      0% Fixed
      For 25 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        M&S Bank

      Benefits

        • Buy M&S Travel Money with no cash advance or foreign exchange fees.
        • Earn M&S reward points every time you shop with your card.
        • Spend Safe fraud protection for complete peace of mind.
        • A bonus points voucher worth £5 when you use your M&S Credit Card in store.

      Before you Continue...

      • You must be at least 18 years old to apply.
      • Buy M&S Travel Money with no cash advance or foreign exchange fees
      • Earn M&S reward points every time you shop with your card
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Nationwide Purchase Offer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 12 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 12 months
    • Representative APR
      17.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Nationwide

      Benefits

        • Commission-free allowance to use abroad on any purchases in pounds sterling.
        • Access to Nationwide Simply Rewards.
        • Fraud Protection Guarantee.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 17.9% (variable), representative 17.9% APR (variable). Credit available subject to status.

    • AA Low Rate Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 3 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      5.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £1,000
      • Provider
        AA

      Benefits

        • One low rate interest rate on purchases and balance transfers for the life of the card.
        • No fees on Balance Transfers.
        • No annual fee.
        • Manage your card on the go with the AA Credit Card mobile servicing app.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
        • You must have a good credit rating to apply.
        • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
      • Min Income
        £8,000
      • Min Age
        18
      • Visit Website
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 5.85% (variable), representative 5.9% APR (variable). Credit available subject to status.

    • Halifax 29 Month Balance Transfer Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 29 months
      (0% fee)
    • New Purchases Offer
      0% Fixed
      For 3 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Halifax

      Benefits

        • 0% for up to the first 29 months from account opening on balance transfers.
        • 0% for up to the first 3 months from account opening on purchases.
        • You may be eligible to apply for a second credit card with us. Conditions apply.
        • Manage your card online using Online Banking and Mobile Banking service.
        • Fraud protection.
        • Faster payments to your card giving more flexibility and control.

      Before you Continue...

      • You must be at least 18 years old to apply.
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

    • Santander Zero Credit Card

    • Balance Transfers Offer
      0% Fixed
      For 1 months
      (3% fee)
    • New Purchases Offer
      0% Fixed
      For 1 months
    • Representative APR
      18.9% APR
      (Variable)
    • See Deal + Details
    • Additional Information

      • Min Credit
        £500
      • Provider
        Santander

      Benefits

        • No foreign transaction fees on purchases when made in the local currency.
        • No cash withdrawal fee anywhere in the world.
        • No monthly fee.
        • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
      • Contactless Payment
        Contactless payment for items up to £30

      Before you Continue...

      • You must be at least 18 years old to apply.
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
    • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

    0% Purchase Cards FAQ

    If you're currently considering a large purchase, or you frequently use your credit card to pay for goods and services, then a 0% purchase credit card could be a great option. These cards allow you to buy big-ticket items and pay off the cost over a specific time period - without any interest. In some cases, when the 0% on purchases period lasts for a significant amount of time, you can effectively borrow money for free, so long as you clear your balance before the interest-free offer ends.

    Used correctly, a 0% purchase card can be the cheapest way to borrow - however the focus lies in repaying what you owe before new charges become applicable.

    What Will My Credit Limit Be?

    Your chosen provider should be able to give you an estimate of what your credit limit will be following your application for a 0% purchase card. Most of the time, the amount of credit you're given will depend on your credit rating.

    When Will I Need to Clear My Balance?

    The downside of 0% purchase cards, is that if you go even a few days over the promotional period, your interest rate can explode. This means that you need to calculate repayments carefully to clear your balance before the promotion ends. The typical APR (annual percentage rate) for purchase credit cards is between 18% and 20%, which makes them a very expensive borrowing option if you allow your balance to build.

    How Can I Make Repayments on a 0% Purchase Card?

    A good way to make 0% purchases card repayments is to set up a direct debit for at least the minimum payment amounts from the moment your application is accepted. If you miss your repayments, you could lose your 0% deal, meaning your interest rates and repayments will skyrocket. Remember, clear your card balance in full whenever possible as even £1 of balance when the 0% interest rate ends can cause you to pay a full month's interest rate.

    Do 0% Purchase Cards Offer Payment Protection?

    One unique benefit of 0% purchase cards, is that unlike with debit or cash purchases, you should receive a level of protection in case your items are faulty or fail to arrive on time. Under consumer protection rules, you can claim back a significant amount of the costs if your purchases don't arrive, or aren't what you expected. For instance, if the airline you booked flights with went out of business, you'd get your money back - even if you only put the deposit on your 0% purchase credit card.

    Does My Credit Score Matter?

    Yes, the most appealing deals for purchase cards - including those with the longest periods for interest-free payments - are usually offered to people with clean credit scores. Those with restricted credit histories, or poor credit scores may not be approved for a 0% card, or may only be able to take advantage of the 0% offer for a short period of time.

    What Do I Do When My 0% Period Expires?

    If your 0% period expires and you have not completed your repayments, you can either continue to make monthly payments at the new rate of interest, or you can attempt to transfer your remaining debt to a balance transfer card.

    How does our comparison table work?

    Our credit card comparison tool can help you identify the right credit card for you. How you choose a credit card will be driven by what you want from it, and we have broken down those key features for easier comparisons. To help you, we have initially ranked our credit cards by 'Our Most Popular', i.e. the cards that our users felt most suited their needs. You can reorder the comparison according to other criteria via the drop-down box directly above the table.

    Helpful links for credit card issues

    Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

    The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

    Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

    Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

    About this service: Comparison tables are provided by KnowYourMoney.co.uk and is a free service to our users. The tables include providers from whom we may receive commission. For more details on how our site works click here.

    The credit card data is supplied by Runpath Group Ltd, a registered company in England & Wales. Company Reg No: 07406032. Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG.

    The tables shows a range of products from the market and this service does not consider your personal credit position. Our service is non-advised, which means that no advice is given or implied.

    If you wish to complain about this service please click here.