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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...>

	Capital One Fixed Rate 8.5% on balance transfers & purchases until Aug 2012	n/a	8.5%
	MBNA Platinum 0% balance transfers until February 2010	until April 2009	15.9%
	Virgin 16 Mth 0% balance transfers - 6 Mth 0% on Purchases	6 mths	16.6%

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.