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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
 
  • 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: 17.90% 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
  • 1 Clubcard point per £4 spent (£4 min) on your Tesco credit card
  • Spend Clubcard rewards on Tesco shopping, holidays and days out
  • Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.
Tesco Clubcard application
  • The UK's longest balance transfer & purchase card
  • 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
  • Manage your account online
  • Instant decision on online applications (in most circumstances)
  • Good credit rating required
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)
Bank of Scotland Existing Customer Offer application
  • 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
  • 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
  • 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
  • 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
  • Manage your account online using My Account
  • UK call centres
  • Good credit rating required
Representative Example: 17.9% p.a. (variable) on card purchases. This is equivalent to 17.9% APR representative (variable) based on a credit limit of £1200.
Creation Purchase application
  • MasterCard deals and discounts on travel, entertainment and shopping
  • Instant decision on online applications (in most circumstances)
  • Good credit rating required
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).
Bank of Scotland All In One application
  • For Sainsburys shoppers who use a Nectar Card
  • Online account management
  • 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
  • Earn AA Reward points on all purchases
  • Double points on fuel and motoring
  • AA Members earn more
  • Good 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
  • 5% cashback in your first 3 months of Cardmembership on purchases up to £2,000
  • Earn 1.25% cashback on virtually everything you buy and get 2.5% cashback year after year, in the month following your Card anniversary.
  • Excellent credit rating required
Representative Example: 18.5% APR representative (variable). Based on a credit limit of £1,200 and a rate of interest of 14.0% per annum (variable). This includes a £25 annual fee
Amex Platinum Cashback application
  • 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 effectively means that you can enjoy interest-free buying regardless of which store you use, but only for the stated period of the introductory offer.

For those consumers able to pay off their new balance within the given time, these cards offer the chance to avoid interest on purchases altogether. However, if the balance isn't paid off and the offer period ends then a new APR will take effect.

The 0% Purchase Card is a way for credit card providers to attract new customers and, as with all offers, there are a number of options and variations to consider. The length of time the offer covers will be an obvious factor but you should also be aware of what the rate will revert to once the offer is over.

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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