0% Purchase Credit Cards
Credit cards tht offers 0% interest on new purchases can give you extra financial flexibility when you need it. Check out the latest rates below.
Click below on the type of credit card you want to compare
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 | |||||||||||||||||
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| 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. |
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![]() | 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.
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| 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.
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| 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.
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| 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.
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| 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.
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| 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.
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| 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.
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| 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.
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| 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.
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| 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.
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| 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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