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0% Purchase Cards

0% Purchase Cards are credit cards that, when used to make new purchases, will not charge any interest for a set amount of time. The period of time that you get interest-free will vary from card to card. This interest-free period will usually be from a few months to a year. Read more...>
Product Name Balance Transfer Intro Purchases
Intro 		Representative
APR (variable) 		Rewards
 
Halifax All In One offer

  • Halifax All In One

  • 0%
    15 mths
    3.00% fee

  • 0%
    15 mths

  • 17.9%
    APR

  • No Rewards

  • The APR and length of the promotional offer are dependent on your personal circumstances
  • Instant decision on online applications (in most circumstances)
  • Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
Halifax All In One application
Barclaycard Platinum with Purchase offer

  • Barclaycard Platinum with Purchase

  • 0%
    15 mths
    2.90% fee

  • 0%
    15 mths

  • 18.9%
    APR

  • Rewards

  • 15 months on Purchases and Transfers. Offer ends 31st May
  • Identity Protection Service and safer shopping with Fraud Monitoring
  • Good credit rating required
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)
Barclaycard Platinum with Purchase application
Bank of Scotland Existing Customer Offer offer

  • Bank of Scotland Existing Customer Offer

  • 0%
    13 mths
    3.00% fee

  • 0%
    13 mths

  • 17.9%
    APR

  • No Rewards

  • Manage your account online
  • Instant decision on online applications (in most circumstances)
  • Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
Bank of Scotland Existing Customer Offer application
Virgin 13/13 offer

  • Virgin 13/13

  • 0%
    13 mths
    2.89% fee

  • 0%
    13 mths

  • 18.9%
    APR

  • Virgin discounts

  • Instant decision on most applications
  • Pay less interest - highest rate of interest is paid off first
  • Good credit rating required
Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on a credit limit of £1,200.
Virgin 13/13 application
NatWest World offer

  • NatWest World

  • 0%
    13 mths
    2.90% fee

  • 0%
    13 mths

  • 17.9%
    APR

  • Reward Points

  • Earn 1 point for every £1 you spend on your NatWest YourPoints World MasterCard
  • Receive 2,500 bonus points when you apply, and every year thereafter
  • Very good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances
NatWest World application
Nationwide Select offer

  • Nationwide Select

  • 0%
    20 mths
    3.10% fee

  • 0%
    12 mths

  • 12.9%
    APR

  • Cashback

  • Must hold a Nationwide FlexAccount - this can be applied for at the same time as the Nationwide Select credit card
  • Commission-free purchases abroad and 0.5% cashback on all sterling purchases
  • Excellent credit rating required
Nationwide Select application
RBS World offer

  • RBS World

  • 0%
    13 mths
    2.90% fee

  • 0%
    13 mths

  • 17.9%
    APR

  • Reward Points

  • Earn MasterCard rewards points
  • Receive 2,500 bonus points when you apply, and every year thereafter
  • Very good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances
RBS World application
Bank of Scotland All In One offer

  • Bank of Scotland All In One

  • 0%
    12 mths
    3.00% fee

  • 0%
    12 mths

  • 17.9%
    APR

  • No Rewards

  • MasterCard deals and discounts on travel, entertainment and shopping
  • Instant decision on online applications (in most circumstances)
  • Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).
Bank of Scotland All In One application
Sainsburys Shopper offer

  • Sainsburys Shopper

  • 0%
    12 mths
    3.00% fee

  • 0%
    12 mths

  • 16.9%
    APR

  • No Rewards

  • For Sainsburys shoppers who use a Nectar Card
  • You must have a Nectar Card in order to apply for the credit card. Nectar points are not earned using this credit card
  • Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)
Sainsburys Shopper application
AA offer

  • AA

  • 0%
    12 mths
    3.00% fee

  • 0%
    10 mths

  • 16.9%
    APR

  • AA Rewards

  • Earn AA Reward points on all purchases
    • Double points on fuel and motoring
  • AA Members earn more
  • Excellent credit rating required
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 £1200.
AA application
Nationwide with Purchases offer

  • Nationwide with Purchases

  • n/a

  • 0%
    6 mths

  • 15.9%
    APR

  • No Rewards

  • Fraud Protection Guarantee
  • Commission-free purchases abroad
  • Excellent credit rating required
Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable).
Nationwide with Purchases application

Choosing 0% Purchase Cards

Choosing a 0% Purchase Card means that you can enjoy interest-free buying regardless of which store you use for the stated period of the introductory offer.

Used well, purchase cards can offer customers the chance to avoid interest on purchases altogether, which can be very useful if you have a big ticket item to buy and you want to split the payments over series of months. However, remember that if the balance isn't paid off before the offer period ends then a new APR will take effect.

If a purchase card sounds right for you then check out our tips below. If doesn't sound quite right then use the side navigation bar to find credit cards that are closer to your needs.

Top Tips for 0% Purchase Cards

  • If you want to spread your payment for items over a period of time then a 0% Purchase Card gives you that option
  • 0% Purchase Cards can be a great way to make interest free purchases instead of using high interest rate store cards
  • Remember to either pay off the balance or look at moving to a 0% transfer card when the 0% interest rate ends
  • Note what the APR is after the 0% interest ends
Product Offers
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