29 March 2017 : 


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0% Purchase Cards

If you are planning on making a large purchase in the near future and would like to access the additional protection which section 75 of the consumer credit act offers UK credit card users, or you would like to defer the payment of the item for a time, then a 0% purchase credit card could be right for you. A number of different UK banks and credit card issuers offer products which feature a 0% introductory period on new purchases, so make sure you get the right product for you by comparing products with our comparison tables below.



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Product Name Balance Transfer Intro Purchases
Intro
Representative
APR (variable)
Rewards
 
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
Halifax 30 Month Purchase Card application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Money Matched Card application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
Halifax 26/26 application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Yorkshire Bank Gold MasterCard application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Clydesdale Bank Gold Credit Card application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Barclaycard Platinum with Purchases application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
M&S Shopping Plus application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)
Lloyds Bank All in One 24/24 application
Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
Bank of Scotland All in One 24/24 application

 

compareandsave.com is a trading name of Freedom Marketing Ltd. Freedom Marketing Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference number 493117.

The offers that appear on this site are from companies from which compareandsave.com receives compensation. compareandsave.com does not include the entire universe of available financial or credit offers.

This table comprises cards offering 0% introductory periods on new purchases ordered by 0% purchase duration. Table position does not imply product strength or superiority. Please ensure you have thoroughly investigated all available options before applying for products.



What is a 0% purchase credit card?

0% purchase credit cards operate in the same way as standard credit cards, in that they can be used to make purchases up to a set ‘credit limit’. Where they differ from conventional credit cards is that customers do not incur interest charges on their purchases during their introductory period (assuming that the card-holder uses their card responsibly i.e. spends within their credit limit and  makes minimum monthly repayments on time. Effectively, 0% purchase cards enable customers to defer paying interest on their purchases for many months (depending on the introductory offer).

What is the best 0% purchase credit card?

Selecting the ‘best’ 0% purchase card has a lot to do with an individual’s own personal circumstances. A number of different banks and issuers offer 0% purchase cards to customers in the UK market, each giving differing periods in which the 0% purchases can be made and different ‘go-to’ rates once the introductory offer expires. Individuals should consider their own personal circumstances and not just the longest 0% purchase rate when deciding what is the best credit card for their needs.

What other benefits do 0% purchase cards offer?

Beyond the 0% introductory offer, a number of credit card issuers offer additional benefits to consumers as an incentive to apply for their credit card. Some cards, especially those offered by retail establishments, offer reward points when customers shop using their credit card, while others offer customers the ability to transfer an outstanding balance to the credit card at 0% interest for a given time. However, if customers are keen to access balance transfers and that attribute is of more value to them than 0% interest on new purchases, then they might be better suited considering a balance transfer credit card. Or if they believe that both attributes are of equal value to them then a transfer & purchase card, which offers 0% interest of balance transfers and purchases for equal lengths, might be a better option.



 Compare Credit Cards by Issuer

American Express Credit Cards American Express
Aqua Credit Cards Aqua Credit Cards
Barclaycard Credit Cards Barclaycard
Bank of Scotland Credit Cards Bank of Scotland
Capital One Credit Cards Capital One
Halifax Credit Cards Halifax
Lloyds Bank Credit Cards Lloyds Bank
MBNA Credit Cards MBNA
Nationwide Credit Cards Nationwide
NatWest Credit Cards Natwest
Royal Bank of Scotland Credit Cards Royal Bank of Scotland
Sainsbury's Bank Credit Cards Sainsbury's Bank
Santander Credit Cards Santander
Tesco Bank Credit Cards Tesco Bank
TSB Credit Cards TSB Credit Cards
Vanquis Credit Cards Vanquis
Virgin Money Credit Cards Virgin Money


 
Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
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©2017 compareandsave.com is a trading name of Freedom Marketing Ltd.
Freedom Marketing Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference number 493117. This can be checked at http://www.fca.org.uk/register. Registered in England & Wales under registration number 05349340. The company's registered office is Freedom Marketing Limited, Colchester Centre, Hawkins Road, Colchester, Essex, United Kingdom, CO2 8JX.

The offers that appear on this site are from companies from which compareandsave.com receives compensation.

The Financial Ombudsman Service (FOS) is an agency for arbitrating unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.