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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 |
|---|---|---|---|---|
-
Tesco Clubcard for Purchases
-
0%
9 mths
2.90% fee
-
0%
16 mths
-
16.9%
APR
-
Clubcard Shopping
- Collect Tesco Clubcard points wherever you shop
- Spend Clubcard rewards on Tesco shopping, holidays and days out
- No cash advance fee for Clubcard Credit Card Tesco Travel Money purchases
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.
-
Halifax All In One
-
0%
15 mths
1.00% fee
-
0%
15 mths
-
17.9%
APR
-
No Rewards
- Transfer fee reduced from 3% to 1% (via automatic refund process. T&Cs apply)
- APR & promotional offer length are dependent on your circumstances
- Free cover against online fraud
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)
-
Barclaycard Platinum with Purchase
-
0%
14 mths
2.90% fee
-
0%
14 mths
-
18.9%
APR
-
Barclaycard Unwind
- Instant Decisions for Most Online Applications
- Transfer your Balance as you apply online
- Pay for items up to £20 with payWave™ Contactless Payment
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)
-
Lloyds TSB Platinum Purchase
-
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 Platinum Purchase
-
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)
-
Nationwide Select
-
0%
20 mths
3.10% fee
-
0%
12 mths
-
12.9%
APR
-
Cashback
- Unlimited commission-free purchases abroad
- Unlimited cashback - 0.5% on all sterling purchases
- Must hold a Nationwide FlexAccount - this can be applied for at the same time as the Nationwide Select credit card
Representative Example: 12.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable).
-
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
- Redeem points for cash back, high street shopping vouchers and 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.
-
MBNA Everyday
-
0%
18 mths
1.99% fee
-
0%
8 mths
-
12.9%
APR
-
No Rewards
- Manage your account securely online
- Includes contactless payment technology for purchases of £20 and under
- 0% on money transfers for 18 months (4% fee)
Representative Example: 12.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable)
-
Sainsbury’s Cashback
-
0%
15 mths
3.00% fee
-
0%
6 mths
-
17.9%
APR
-
Cashback
- 5% Cashback on Sainsbury's shopping for the first 3 mths from account opening (capped at £50 per month)
- Nectar Card required for applications
- No Annual Fee
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)
-
RBS Platinum Low BT
-
0%
13 mths
1.00% fee
-
0%
6 mths
-
18.9%
APR
-
Travel,Discounts
- 0% on balance transfers for 13 months (1.0% fee, min£5)
- Receive discounts from a range of retailers
- Good credit rating required
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 Platinum Low BT
-
0%
13 mths
1.00% fee
-
0%
6 mths
-
18.9%
APR
-
Entertainment & Dining, Travel & days out, Retail & shopping
- 0% on balance transfers for 13 months (1.0% fee, min£5)
- Receive discounts from a range of retailers
- Good credit rating required
Representative Example: 18.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 18.95% p.a. (variable).
-
Nationwide with Purchases
-
n/a
-
0%
6 mths
-
15.9%
APR
-
Simply Rewards
- Earn commission-free purchases abroad
- Simply Rewards - Pick from a great range of offers on big brands
- Fraud guarantee - 24/7 account monitoring with protective technologies
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).
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
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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.
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.
