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56 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 22 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
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 22 months
Representative APR (variable)
20.9% APR
Pay the balance over
19 months with no fees or interest
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 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Lloyds Bank 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
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) (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 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) (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 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) (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 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
M&S Bank Reward Credit Card
Purchases
0% for 12 months
Representative APR (variable)
19.9% APR
Pay the balance over
20 months with fees & interest of £68.66
Get double M&S points on all M&S shopping for the first 12 months and a bonus points voucher for 500 M&S points worth £5. T&Cs apply.
Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
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 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 Long 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
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 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 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
Virgin Money Travel Credit Card (25.9%)
Purchases
0% for 9 months
Representative APR (variable)
25.9% APR
Pay the balance over
20 months with fees & interest of £186.23
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 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 Travel Credit Card (29.9%)
Purchases
0% for 9 months
Representative APR (variable)
29.9% APR
Pay the balance over
21 months with fees & interest of £216.12
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 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
Lloyds Bank Platinum Low Rate 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
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
Barclaycard Platinum Balance Transfer (15 Mths)
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Pay the balance over
21 months with fees & interest of £271.95
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
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
Barclaycard Platinum Balance Transfer (24 Mths)
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Pay the balance over
21 months with fees & interest of £271.95
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
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

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.

Last updated: 7 December 2021

How do 0% credit cards work?

0% purchase cards work just like any other credit card. The only difference is that these credit cards come with longer interest free periods - ranging from three to 30 months.

 A 0% interest credit card means you can make purchases without paying any interest on what you’ve borrowed.  

 For example, if you make a purchase worth £1,200 on your 0% purchase card, and you have an interest free period of six months, you can pay off the balance by repaying £200 every month, without any additional interest being charged.

Alternatively, you could just pay the minimum payment. But only paying the minimum payment will mean you'll still have most of your original balance remaining after the interest free period ends. 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% interest 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 - meaning you're effectively being paid to spend money.

However, make absolutely sure you make at least the minimum monthly repayment, as missing one could see you sacrifice your 0% status - meaning you'll be charged interest on the remaining balance on the card at the revert rate (which can be as high as 30% APR).

How to get the best 0 interest credit cards

 Finding the best 0% credit card will depend on your personal needs and financial circumstances.

By shopping around and comparing 0% credit cards, you can find the best deals available and choose the one most suited to your budget and spending habits.

When comparing 0 credit cards, you might want to consider some key features:

  • Length of the 0% interest period: This can range from three to as many as 29 months, 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.

Pros and Cons of 0% purchase credit cards

Pros

  • No interest for a fixed period
  • Spread the cost of large purchases
  • Helpful for lowering high-interest balances

Cons

  • High APR after 0% interest period ends
  • Balance transfers are not always included
  • You’ll still pay a balance transfer fee

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

Your eligibility for any credit depends on a number if 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 eligibility 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.

One thing you can do is use our free eligibility checker to find out which cards you’re most likely to be accepted for. Our eligibility checker uses a soft search function to assess your eligibility for a credit card without making a mark on your credit file. 

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 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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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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