Compare 0% on Purchases Credit Cards

Compare the best 0% on purchases credit cards available in the UK so you can choose the best 0% purchase card deals for interest free spending. Choose from a selection of 0% purchase credit cards from the UKs leading providers, each offering 0 percent introductory rates on purchases. Complete an application and get approval online today.
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Balance Transfer IntroPurchase IntroRepresentative APR  
RateDurationFeeRateDuration(Variable) 
Promoted Results
Tesco Bank
Clubcard Credit Card for Purchases
0%
9
months
2.9%0%
16
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
M&S Bank
M&S Credit Card
0%
12
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
NatWest
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent. Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
RBS
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
Halifax
All in One Card MasterCard
0%
15
months
1%0%
15
months
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
Barclaycard
Platinum Purchase
0%
14
months
2.9%0%
14
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Lloyds TSB
Platinum Purchase Card
0%
13
months
3%0%
13
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
AA
Rewards Credit Card
0%
12
months
3%0%
10
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
MBNA
Everyday Credit Card
0%
18
months
1.99%0%
8
months
12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Barclaycard
Platinum With BT (25 Mths)
0%
25
months
2.4%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Refund offer on the balance transfer fee, was 3.5% now 2.4% (terms and conditions apply)
Barclaycard
Platinum With BT (27 Mths)
0%
27
months
3.5%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Virgin
Balance Transfer Credit Card
0%
26
months
2.99%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable)
NatWest
Platinum Card (Online)
0%
26
months
2.65%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
NatWest
Platinum Low Fee BT
0%
13
months
1%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
0%
15
months
3%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
RBS
Platinum Low Fee BT
0%
13
months
1%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
RBS
Platinum Card
0%
26
months
2.65%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Lloyds TSB
Advance MasterCard
4.9%
12
months
3%0%
6
months
11.9%
Representative Example: The annual purchase rate is 11.95% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
Lloyds TSB, 25 Gresham Street, London, EC2V 7HN.
NatWest
Visa Low Rate Credit Card
2.9%
12
months
0%0%
6
months
9.9%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 9.9% (variable).
RBS
Visa Low Rate Credit Card
2.9%
12
months
0%0%
6
months
9.9%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 9.9% (variable).
Sainsbury's Bank
 
Sainsbury's Cashback Credit Card
0%
15
months
3%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month). £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere.
Tesco Bank
Clubcard Credit Card for Balance Transfers
0%
25
months
2.9%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Nationwide
Credit Card (Balance Transfer - Online)
0%
20
months
3.1%0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Barclaycard
Platinum Low BT Fee
0%
16
months
1.5%0%
3
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Santander
Credit Card
0%
17
months
3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Manage your accounts online anytime of day. Manage your card on the go with the mobile app for the iPhone or iPad.
AA
Balance Transfer Credit Card
0%
16
months
2.9%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Long 0% period on balance transfers with competitive 2.9% fee, plus earn while you spend with a generous rewards scheme. Good credit customers.
Barclaycard
Initial Credit Card
---
---
---
0%
3
months
29.9%
Representative Example: The annual purchase rate is 29.9% p.a.(variable) so if you spend £1,200 your representative APR will be 29.9% (variable).
Barclaycard
Platinum With BT (18 Mths)
0%
18
months
2.9%0%
3
months
24.9%
Representative Example: The annual purchase rate is 24.9% p.a.(variable) so if you spend £1,200 your representative APR will be 24.9% (variable).
0% interest on balance transfers for 18 months from account opening (2.9% handling fee applies)
Barclaycard
Business Balance Transfer Card
0%
22
months
2.5%0%
3
months
18.9%
Representative Example: If you spend £1,500 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
0% interest on balance transfers for 22 months (from account opening). Only 2.5% balance transfer handling fee.
Barclaycard
Cashback Business Credit Card
---
---
---
0%
3
months
25.1%
Representative Example: If you spend £1,500 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).
Up to 3% cashback on business spend. Earn up to £400 a year in cashback.
Bank of Scotland
 
Platinum Card (Online)
0%
18
months
3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Post Office
Credit Card
0%
14
months
2.98%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
0% commission on purchases made overseas.
Full Results
Halifax
17 Month Purchase Credit Card
0%
6
months
3%0%
17
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Tesco Bank
Clubcard Credit Card for Purchases
0%
9
months
2.9%0%
16
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
M&S Bank
M&S Credit Card
0%
12
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
NatWest
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent. Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
RBS
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
Halifax
All in One Card MasterCard
0%
15
months
1%0%
15
months
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
Barclaycard
Platinum Purchase
0%
14
months
2.9%0%
14
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Lloyds TSB
Platinum Purchase Card
0%
13
months
3%0%
13
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Amazon
Amazon.co.uk MasterCard
---
---
---
0%
13
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Bank of Scotland
 
Platinum Purchase Card
0%
13
months
3%0%
13
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Halifax
All in One Card MasterCard 13/13
0%
13
months
1%0%
13
months
22.0%
Representative Example: The annual purchase rate is 21.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.0% (variable).
Lloyds TSB
The Lloyds TSB Credit Card
0%
13
months
3%0%
13
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Nationwide
Select Credit Card (Online)
0%
20
months
3.1%0%
12
months
12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
American Airlines
 
AAdavantage (Amex)
0%
6
months
2%0%
12
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
American Airlines
 
AAdavantage (Visa)
0%
6
months
2%0%
12
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Awaiting
Logo
Etihad
Guest Credit Card - Visa
0%
6
months
2%0%
12
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Awaiting
Logo
Etihad
Guest Credit Card Account - Amex
0%
6
months
2%0%
12
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Halifax
All in One Card MasterCard (Branch)
0%
12
months
3%0%
12
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Halifax
12 Month Purchase Credit Card
0%
6
months
3%0%
12
months
21.9%
Representative Example: The annual purchase rate is 21.9% p.a.(variable) so if you spend £1,200 your representative APR will be 21.9% (variable).
Nationwide
Select Credit Card
0%
20
months
3.1%0%
12
months
12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card ) and pay in £750 or more each month (excluding internal... more
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Pleased to be forewarned about ebay freelistings weekend as I wasn't planning on putting anything on this weekend but have now changed my mind - thank you :)
Allyson

How to Choose the Best Credit Card for Purchases

If you need to spread the cost of a major purchase, getting one of the best interest free credit cards on purchases is a great way of doing so without having to pay extra in interest.

The main benefit of a 0% purchases credit card is that it allows you to spread the cost of a large purchase over several months without paying any interest.

In fact as long as you repay your debt before the end of the introductory 0% period, abide by the card's ts and cs (like making repayments on time) and avoid using the card for cash withdrawals, you won’t need to pay your credit card company any interest at all.

As a result, choosing the longest available 0% period available from 0% credit cards on purchases is likely to be a sensible move as it will give you more time to repay the balance without being charged a hefty interest rate.

Only at the end of the credit cards 0% purchases deal will any outstanding balance begin to accumulate interest at the card's standard APR rate (which can often be quite high).

If you think that it's unlikely you will be unable to pay off the amount you plan to spend within the interest free periods offered by any of the 0% deals on purchases currently available then it makes sense to opt for a card with the longest 0% period and then transfer any outstanding balance to a suitable 0% balance transfer credit card once this ends to ensure your borrowing remains interest free.

Even the very best 0% purchase credit cards still require you to make at least the minimum repayment each month, and withdraw the 0% offer if you fail to do so - meaning your interest free offer becomes much more expensive.

As a result, you need to make sure that you can afford to meet at least the minimum repayments requirement before applying for a 0% purchases credit card. Setting up a direct debit so that these payments are made automatically is also a good idea as it's an easy way to ensure you never miss a payment (although you will need to make sure you have sufficient funds in your account to cover it each month).

You'll also need to have a plan to repay the outstanding debt - either by splitting the total cost of your purchase evenly and repaying a percentage each month that will allow you to clear the balance by the end of your 0% deal, or making the minimum repayments and setting money aside in a high interest current account so you have it available to pay off the balance before you're charged interest.

You can use our 0% purchases credit card comparison table to search for and apply for the best purchase credit card.

Credit Card Comparison