Compare 0% purchase credit cards

A 0% purchases credit card can let you split the cost of big items interest-free, as long as you clear the balance within the introductory period.

  • Use our free CardFinder
  • Find cards with long interest free periods
  • Apply in minutes
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Find your ideal card with CardFinder

By answering just a few simple questions, you can see the cards you're likely to be accepted for

Get long interest free periods

Avoid interest on spending and pay off your balance by splitting it into instalments that you can afford.

Matches you to the right card

CardFinder will match you with the cards with the longest 0% interest period that you'll be approved for.

Peace of mind

CardFinder uses a 'soft search' which doesn't affect your credit score, so you can apply with confidence.

Compare 0% purchase cards from leading providers

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

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How to get a 0% purchase credit card

1

Use our free card finder tool

This uses 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

Depending on what's important to you, you can filter results by lowest APR, longest interest-free period, etc to see the best deals we have for you.

3

Choose the card you want

Pick a card that best suits your circumstances. Typically, it's the card that offers the longest interest free period at the lowest APR.

4

Apply for the card

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

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0% purchase credit card deals

49 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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£
£
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Purchases
0% for 24 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.9% 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£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 3% 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 21 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
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
Virgin Money All Round Credit Card (19 Mths) (23.9%)
Purchases
0% for 19 months
Representative APR (variable)
23.9% APR
Pay the balance over
19 months with no fees or interest
Virgin Money All Round Credit Card (19 Mths) (23.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money All Round Credit Card (19 Mths) (21.9%)
Purchases
0% for 19 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
Virgin Money All Round Credit Card (19 Mths) (21.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 21.9% 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£7,000
UK Resident
Virgin Money All Round Credit Card (19 Mths) (25.9%)
Purchases
0% for 19 months
Representative APR (variable)
25.9% APR
Pay the balance over
19 months with no fees or interest
Virgin Money All Round Credit Card (19 Mths) (25.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money All Round Credit Card (12 Mths) (29.9%)
Purchases
0% for 12 months
Representative APR (variable)
29.9% APR
Pay the balance over
20 months with fees & interest of £102.73
Virgin Money All Round Credit Card (12 Mths) (29.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 29.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Halifax Longest 0% Balance Transfer Credit Card
Purchases
0% for 9 months
Representative APR (variable)
21.9% APR
Pay the balance over
20 months with fees & interest of £156.85
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
Virgin Money Travel Credit Card (21.9%)
Purchases
0% for 9 months
Representative APR (variable)
21.9% APR
Pay the balance over
20 months with fees & interest of £156.89
Virgin Money Travel Credit Card (21.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Representative Example: The standard interest rate on purchases is 21.9% 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£7,000
UK Resident
Virgin Money Travel Credit Card (23.9%)
Purchases
0% for 9 months
Representative APR (variable)
23.9% APR
Pay the balance over
20 months with fees & interest of £171.53
Virgin Money Travel Credit Card (23.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
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 longer interest free periods - ranging 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 your 0% purchase card, and you have an interest free period of 18 months, you can pay off the balance by repaying £67 every month, without any additional interest being charged.

Once the 0% introductory period ends you'll be charged interest based on the revert rate on your card for the remaining balance on your card.

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

These are useful for making large purchases such as furniture for your home or funding a holiday, because you can spread the cost over several months while paying no interest on the debt.

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

How to compare 0% interest credit cards

When comparing 0% purchase credit cards, you might want to consider these key features:

  • Length of the 0% interest period: This can range from three to as many as 24 months or longer, so choose a card that offers a long enough period that covers your needs.

  • Annual fee: Some 0% interest credit cards charge an annual fee. For a card to be worth your while calculate whether the amount you’ll save in interest is more than the annual fee. If not, it’s best to choose a card without an annual fee.

  • The revert rate: This is the interest rate that you’ll be charged after the introductory interest free period ends. It’s also known as the standard purchase rate, which can range from around 10% up to over 35%. This is why it’s a good idea to try and pay off your balance before the 0% interest period ends.

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 depends on a number of factors such as:

  • Your income

  • The amount of debt you already have

  • Your recurring expenses

  • Your credit history

Most lenders will consider these factors when assessing your affordability for a credit card. If you’ve struggled to pay off debt before, you may have a bad credit rating which can affect your chances of getting a good 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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If you want to borrow a small sum of cash to repay a debt, or clear an overdraft, you can use a money transfer credit card to move cash into your current account.

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How to use a credit card for interest free purchases

0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.

More on using a credit card for interest free purchases
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What is a money transfer credit card?

If you want a new credit card, here is exactly what you need to do to apply for it.

Read more about money transfer credit cards


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: 10 May, 2022