09 February 2012 :

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Home / Credit Cards / 0% Purchase Cards

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
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: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)

Tesco Clubcard
0%
9 mths
2.90% fee
0%
15 mths
16.9%
APR
Clubcard Shopping

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.

Barclaycard Platinum with Purchase
0%
14 mths
2.90% fee
0%
14 mths
18.9%
APR
Rewards

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

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: 17.90% 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

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.

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

Nationwide Select
0%
17 mths
2.95% fee
0%
18 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

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

Creation Purchase
0%
9 mths
2.90% fee
0%
13 mths
17.9%
APR
No Rewards

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.

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: 17.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable).

Sainsburys Shopper
0%
12 mths
3.00% fee
0%
12 mths
16.9%
APR
No Rewards

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)

AA
0%
12 mths
3.00% fee
0%
10 mths
16.9%
APR
AA Rewards

Earn AA Reward points on all purchases
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.

Amex Platinum Cashback
n/a
n/a
18.5%
APR
Cashback

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

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).

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

Money

Insurance

Utilities
- Gas & Electric
- Broadband

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.