0% Purchase Credit Cards

Compare 0% Purchase Credit Cards

	Credit Card	Representative APR Variable Annual Percentage Rate: the interest that you will pay per year on purchases. This rate includes annual fees but does not factor in other charges such as default fees. Rates shown are 'typical' interest rates and may vary depending on your credit rating.	Balance Transfers A balance transfer is when you transfer the debt owed on one credit card (the balance) to another.			Purchases
			Rate This indicates the introductory interest rate on balance transfers that a credit card offers.	Duration The duration of time that the introductory interest rate on balance transfers will apply.	Fee Balance transfer fees are usually applied to any balances transferred from one card to another. They are calculated as a percentage (typically between 2-4%) of the amount being transferred.	Rate This indicates the introductory interest rate on new purchases that a credit card offers.	Duration The duration of time that the introductory interest rate on new purchase will apply.
	Royal Bank of Scotland RBS Platinum Credit Card Travel and retail discounts	18.9%	0%	26 months	2.65%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Available exclusively to customers with an RBS current account Credit Rating Good Minimum Income £10,000
	Representative Example: 18.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 18.95% p.a. (variable).
	Post Office Post Office Credit Card Various 0% offers	16.9%	0%	14 months	2.98%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £15,000
	Representative Example: 16.9% p.a. variable on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200
	Nationwide Credit Card	15.9%	0%	20 months	3.1%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 25 Existing Customer Must register for their Internet Banking Service if not already a Nationwide customer Credit Rating Good Minimum Income £25,000 Employment Status Employed
	Representative Example: 15.9% p.a.(variable) on card purchases. Equivalent to 15.9% APR representative (variable) based on a credit limit of £1,200.
	Halifax 25 Month Balance Transfer Card Balance transfer fee refund offer - reduces a 3% balance transfer fee to 2.5%. Terms apply.	18.9%	0%	25 months	2.50%	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £20,000
	Representative Example: 18.95% p.a. variable on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200. The purchase rate is 18.95% pa (variable).
	NatWest NatWest Platinum Card NatWest wine club special offers	18.9%	0%	26 months	2.65%	0%	6 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Available exclusively to customers with an NatWest current account Credit Rating Good Minimum Income £10,000
	Representative Example: 18.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 18.95% p.a. (variable).
	NatWest YourPoints World MasterCard £1 spent = 1 point. Use toward flights, holidays and on brands like M&S, Boots and Amazon.	16.9%	0%	15 months	2.90%	0%	15 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Credit Rating Good Minimum Income £10,000
	Representative Example: 16.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable)
	RBS YourPoints World Mastercard 2,500 bonus RBS YourPoints plus double YourPoints for first 9 months.	16.9%	0%	15 months	2.90%	0%	15 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer Only available to NatWest Current Account customers Credit Rating Good Minimum Income £10,000
	Representative Example: 16.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable)
	Halifax All in One Credit Card Apply before 25th June and Halifax will refund 66.6% of your balance transfer fee. Terms apply.	17.9%	0%	15 months	3.00%	0%	15 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good
	Representative Example: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
	Saga Platinum Credit Card	11.9%	0%	9 months	3%	0%	9 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 50 Existing Customer No Credit Rating Good Minimum Income £12,000
	Representative Example: Representative 11.9% APR variable, based on £1,200 credit limit and annual purchase interest rate of 11.3% p.a. variable.
	Nationwide Select Credit Card Available only to Nationwide FlexAccount customers. 0.5% on all sterling purchases.	12.9%	0%	20 months	3.10%	0%	12 months	MORE INFO
	Representative Example: 12.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable).
	Barclaycard Platinum Purchase Credit Card	18.9%	0%	14 months	2.9%	0%	14 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18
	Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).

About 0% purchase cards

The credit card industry is big business - the banks are more than willing to fight it out between themselves to get you signed up. As such, you can always find some very competitive deals out there to draw you in.

One of the ways that credit card providers often try to entice you is to offer you a 0% interest rate on purchases for a set period of time. This means you won't have to pay any interest on things you buy directly with your credit card until your 0% deal runs out.

Often, this interest free period can last for well over a year, making it a great way to pay in instalments for something like a holiday or a car.

Be careful though - don't think of the 0% interest rate as a safety net. If you spend a lot of money on your card and just pay off the minimum payment each month, you might find the interest comes as a sting when your free period runs out.

All of a sudden, the cheapest way to borrow money could well have turned into one of the most expensive.

Interest free periods are often available on balance transfers instead of, or as well as, on purchases. You also need to consider the regular rate of interest, applicable after the free period, when choosing the best deal for you.

Click here to find out more about choosing credit cards.

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