Compare 0% purchase credit cards

Providing you clear the balance during the introductory period, a 0% purchase credit card can be a handy interest-free way to spread the cost of your spending.

  • Use our free CardFinder service
  • Find cards with long interest-free periods
  • Apply in minutes
Credit cards - Purchases - Illustration

Find your ideal card with CardFinder

Answer a few simple questions to see the cards you're most likely to be accepted for

Get long interest-free periods

Avoid interest on your spending and pay-off your balance by splitting it into affordable instalments.

Find the perfect match

CardFinder searches for cards with the longest 0% interest period that you're most likely to be approved for.

Enjoy peace of mind

CardFinder employs a "soft search" that doesn't affect your credit score, so you can use it with confidence.

Compare 0 purchases credit cards from top providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

Lloyds Bank
Santander
Capital One
American Express
Tymit
Barclaycard

How to get a 0% purchase credit card

1

Use our free CardFinder tool

CardFinder features a "soft search" credit check to you find credit card deals you're most likely to be accepted for without affecting your credit score.

2

Filter the results according to your needs

You can refine the search results to show deals that work for you. Simply choose the features that matter most to you. Filters include the card's APR and interest-free period.

3

Choose the card you want

Once you have compared all the options, pick a card that best suits your circumstances.

4

Apply for the card

Fill out the application form with your name, contact and financial details. It can take a week or more to hear whether you've been accepted.

Credit cards - How to get a 0% purchase credit card - image asset

0% purchase credit card deals

29 results found, based on purchases of £3000 and paying £160 a month. Sorted by payment term and costs. Find out more about how our calculator works and how we order our comparisons.
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£
£
£20 Cashback
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Purchases
0% for 25 months
Representative APR (variable)
22.9% APR
Pay the balance over
19 months with no fees or interest
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Get £20 cashback when you spend £250 or more within 90 days of opening your account. Offer ends 9th September 2022. T&Cs and exclusions apply. New customers only.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Purchases
0% for 24 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
Sainsbury's Bank Dual Offer Credit Card
A 2.88% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 24 or 16 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Lloyds 0% Purchase and Balance Transfer Card
Purchases
0% for 18 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with fees & interest of £2.00
Lloyds 0% Purchase and Balance Transfer Card
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Lloyds Credit Card
Purchases
9.94% p.a. variable
Representative APR (variable)
9.9% APR
Pay the balance over
21 months with fees & interest of £260.95
Lloyds Credit Card
Transfer a balance within 90 days of opening an account to get the no fee deal; otherwise the fee will be 5% thereafter. You may be eligible to apply for a second credit card. Conditions apply.
Representative Example: The standard interest rate on purchases is 9.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 9.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Halifax Longest 0% Balance Transfer Credit Card
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Pay the balance over
21 months with fees & interest of £272.81
Halifax Longest 0% Balance Transfer Credit Card
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Lloyds Bank Low Fee 0% Balance Transfer Credit Card
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Pay the balance over
21 months with fees & interest of £272.81
Lloyds Bank Low Fee 0% Balance Transfer Credit Card
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank Low Balance Transfer Fee Credit Card (22 Mths)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Pay the balance over
22 months with fees & interest of £427.82
Sainsbury's Bank Low Balance Transfer Fee Credit Card (22 Mths)
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 22 or 14 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer 34 Months Credit Card
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Pay the balance over
22 months with fees & interest of £427.82
Sainsbury's Bank Balance Transfer 34 Months Credit Card
Balance transfer fee of 2.88% or 3.88% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 34 or 26 months, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer Credit Card (29 Mths)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Pay the balance over
22 months with fees & interest of £427.82
Sainsbury's Bank Balance Transfer Credit Card (29 Mths)
A Balance transfer fee of 1% or 2% applies on transfers made at application, depending on your circumstances (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 29 or 21 months, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

How do 0% credit cards work?

The main feature of 0% purchase cards is that they offer long interest-free periods that typically range from three to 24 months.

With a 0% interest credit card, you can make purchases and spread the cost over several months without being charged any interest.

For example, if you make a purchase worth £1,200 on a 0% purchase card with an interest-free period of 18 months, you can settle what you owe without interest by repaying £67 every month.

Once the 0% introductory period ends, however, you'll be charged interest based on the card's revert rate for any outstanding balance on your card.

What should I use a 0% purchase credit card for?

A 0% purchase card is useful for buying big-ticket items, such as furniture or a holiday, because you can spread the cost over several months while paying no interest on the debt.

The best interest-free credit cards also offer rewards on your spending - including vouchers, supermarket loyalty points or even cashback.

How to compare 0% interest credit cards

When comparing 0% purchase credit cards, try asking yourself these questions:

How long is the 0% interest period?

Depending on the card, interest-free periods can range from three months to more than two years. Think about how long it will take you to clear the cost of your purchases and choose a card that will cover your needs.

What is the annual fee?

Some 0% interest credit cards charge an annual fee. You need to check whether the amount you'll save in interest is more than you'll be charged in fees. If not, it’s best to choose a card that comes with no annual fee.

How much is the revert rate?

The revert rate – also known as the standard purchase rate – is the interest rate you'll be charged once the introductory interest-free period comes to an end. Revert rates tend to be between 10% and 35%, which is why you need to try to pay off your balance before the interest-free period is over.

Find out more about how APR works.

Salman Haqqiquotation mark
A 0% card means you can buy now, and pay over more than a year without being charged even a penny of interest for the privilege. Just make absolutely sure you don't miss a payment or you could lose your 0% deal.
Salman Haqqi, Personal Finance Editor

How do I know which 0% purchase credit card I’ll be approved for?

Your chances of being accepted for any credit card depend on a number of factors such as your:

  • income

  • existing debts

  • regular outgoings

  • credit history

Most lenders use these criteria when assessing whether you can afford a credit card. If you’ve struggled to pay off debt in the past, you may have a bad credit record. A history of poor credit can affect your chances of receiving a favourable 0% credit card deal.

Top tips on using a 0% purchase credit card

Here are some ways to make the most of your 0% purchase credit card.

  • Use it sensibly. An interest free purchase credit card can be a useful tool to supplement your spending, when used responsibly. It's not a way to live beyond your means.

  • Always make at least the minimum monthly repayment. Even though you don't pay interest for a period, you still have to pay the minimum monthly payment. Missing even one payment can mean losing the 0% interest offer. This is why it's a good idea to set up a direct debt that pays the minimum payment automatically.

  • Pay off your balance before the 0% interest period ends. Once the interest free period ends, the interest can shoot up sharply. This is why if you're trying to pay off the balance from a large purchase, it's a good idea to work out how much you’ll need to pay each month. Divide the balance or purchase price by the number of 0% months you have to calculate how much you'll have to pay every month till the introductory 0% interest period ends.

  • 0% interest does not apply to cash withdrawals. Keeping in mind that the interest free period only applies to purchases you make with the card. If you use your 0% purchase card to withdraw money, you'll be charged a higher rate and additional fees.

0% purchases credit card FAQs

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More on using a credit card for interest free purchases
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Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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Last updated: 30 July 2022