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 12 out of 86 cards matching this search.
Promotion
aqua Classic Credit Card
Apply online
  • 29.7% APR (Variable)
  • Start with a credit limit of £250-£1,200 and you could get an increase on your 4th statement
  • Free unlimited access to your credit report
  • Text reminders, so you need never miss a payment
Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.71% (variable), representative 29.7% APR (variable). Credit available subject to status.

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  • AA Dual Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 16 months
    (2.89% fee)
  • New Purchases Offer
    0% Fixed
    For 30 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £1,000
    • Provider
      AA

    Benefits

      • £35 cashback for all successful applicants that make a transaction on their card, minimum £500 spend required. Terms apply.
      • Manage your card on the go with the AA Credit Card mobile servicing app.
      • 0% for 16 months on balance transfers is only available on transfers made within the first 3 months of account opening. 2.89% 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
    • £35 cashback for all successful applicants that make a transaction on their card, minimum £500 spend required. Terms apply
  • 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.

  • Sainsbury's Bank Purchase Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 18 months
    (3% fee)
  • New Purchases Offer
    0% Fixed
    For 29 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • 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.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
      • 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
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 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. 3% balance transfer fee applies for transfers in the first 3 months, 3% afterwards (Minimum £3 at all times).

  • 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)
  • More Info + 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%.
      • Enjoy exclusive offers and rewards 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)
  • More Info + 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%.
      • Enjoy exclusive offers and rewards 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.

  • Halifax 26 Month Balance Transfer and Purchase Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 26 months
    (2.95% fee)
  • New Purchases Offer
    0% Fixed
    For 26 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Halifax

    Benefits

      • 0% interest for 26 months on balances transferred within the first 90 days after your account is opened. 2.95% fee applies on each balance transfer, an initial 3% fee applies with a refund of 0.05% within 90 days, so the effective fee is 2.95%. Also 26 months at 0% 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.
      • 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. An initial 3% fee applies; we'll then refund 0.05% within 90 days, so the effective fee is 2.95%.

  • 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)
  • More Info + 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.

  • 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
    18.9% APR
    (Variable)
  • More Info + 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 18.9% (variable), representative 18.9% 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).

  • 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)
  • More Info + 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%.
      • Enjoy exclusive offers and rewards 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.

  • Lloyds Bank Platinum 24 Month Balance Transfer and Purchase Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 24 months
    (2.5% fee)
  • New Purchases Offer
    0% Fixed
    For 24 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Lloyds Bank

    Benefits

      • 24 months at 0% for a 2.5% fee on balances transferred within the first 90 days. After the initial 90 days the fee on balances transferred is 3%. Also 24 months at 0% 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.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.
    • 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 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • Bank of Scotland Platinum 24 Month Balance Transfer and Purchase Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 24 months
    (2.5% fee)
  • New Purchases Offer
    0% Fixed
    For 24 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Bank of Scotland

    Benefits

      • 24 months at 0% for a 2.5% fee on balances transferred within the first 90 days. After the initial 90 days the fee on balances transferred is 3%. Also 24 months at 0% 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.

  • 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)
  • More Info + 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.

  • Virgin Money Travel Credit Card

  • Balance Transfers Offer
    0% Variable
    For 12 months
    (0% fee)
  • New Purchases Offer
    0% Variable
    For 12 months
  • Representative APR
    19.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

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

    Benefits

      • 0% for 12 months on purchases, 0% for 12 months on balance transfers with a fee of 0%, and 0% for 12 months on money transfers, with a fee of 2%.
      • Enjoy exclusive offers and rewards 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.

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.

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.

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