Compare 0% Purchase Credit Cards

Post Office Platinum

Annual Fee:

£0

0% Balance Transfer:

0% for 08 months

0% Purchases:

0% for 08 months

APR Interest Rate:

18.9%

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Asda Cashback Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 06 months (on purchases of £200 or more at George.com)

APR Interest Rate:

19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).

Post Office Balance Transfer Card

Annual Fee:

£0

0% Balance Transfer:

0% for 25 months

0% Purchases:

0% for 03 months

APR Interest Rate:

19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).

Post Office Matched

Annual Fee:

£0

0% Balance Transfer:

0% for 08 months

0% Purchases:

0% for 08 months

APR Interest Rate:

19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).

Saga Platinum Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 09 months

0% Purchases:

0% for 09 months

APR Interest Rate:

11.9%

Representative example: When you spend £1,200 at a purchase rate of 11.29% (variable) per annum, your representative APR is 11.9% APR (variable).

Nationwide Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 12 months

APR Interest Rate:

17.9%

Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

Clydesdale Bank Gold Mastercard

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 26 months

APR Interest Rate:

18.9%

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

John Lewis Partnership Card

Annual Fee:

£0

0% Balance Transfer:

0% for 18 months

0% Purchases:

0% for 09 months

APR Interest Rate:

18.9%

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Bank of Scotland Platinum Balance Transfer Card

Annual Fee:

£0

0% Balance Transfer:

0% for 20 months

0% Purchases:

0% for 20 months

APR Interest Rate:

19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).

Barclaycard Platinum

Annual Fee:

£0

0% Balance Transfer:

0% for 27 months

0% Purchases:

0% for 27 months

APR Interest Rate:

19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).

Barclaycard Freedom Rewards

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 12 months

APR Interest Rate:

21.9%

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).

HSBC Balance Transfer

Annual Fee:

£0

0% Balance Transfer:

0% for 32 months

0% Purchases:

0% for 03 months

APR Interest Rate:

21.9%

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).

Capital One Balance Transfer

Annual Fee:

£0

0% Balance Transfer:

0% for 12 months

0% Purchases:

0% for 03 months

APR Interest Rate:

24.9%

Representative example: When you spend £1,200 at a purchase rate of 24.93% (variable) per annum, your representative APR is 24.9% APR (variable).

Bank of Scotland Classic Credit Card

Annual Fee:

£0

0% Balance Transfer:

0% for 18 months

0% Purchases:

0% for 09 months

APR Interest Rate:

27.9%

Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) per annum, your representative APR is 27.9% APR (variable).

Barclaycard Initial

Annual Fee:

£0

0% Balance Transfer:

0% Purchases:

0% for 03 months

APR Interest Rate:

34.9%

Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable).

What is a 0% Purchase Credit Card?

A 0% purchase credit card charges your no interest for a set period of time when you make a new purchase on your credit card.

Why would you want a 0% purchase credit card?

Generally speaking, a 0% purchase credit card offer is often used to buy large, expensive items in order to take advantage of making repayments at 0% interest. Often people use them to purchase white goods, furniture, expensive insurance policies and electrical items such as a television.

How does a 0% purchase credit card work?

The 0% purchase offer will be set for a certain period of time for example 12 months, 18 months etc. Generally speaking, the 0% offer will start from the moment your card is active. You will pay 0% interest on any new purchases up until the offer period ends.

What to look out for on 0% purchase credit cards

Ensure that you meet your monthly repayments. Failing to do so might mean losing the 0% deal completely. You will then be subject to paying interest on the outstanding balance.

Be mindful as to when the 0% introductory offer ends, especially in the final month of the deal.

When taking advantage of the 0% purchase offer period, ensure you can repay the whole amount of the outstanding debt before the end of the offer period. If you don't, then your outstanding amount will start being subject to interest, which could be quite costly.

How to choose a 0% Purchase Credit Card

1. Narrow down the PocketRate credit card comparison table by selecting the Purchase Credit Card menu option.

2. From this list, compare the 0% Purchase Rate Period introductory offers by sorting the column.

3. Take note of the current APR rate on the card and clarify on the provider's website as to what interest rate you will be paying when the introductory 0% period is over.

4. Consider checking your credit score and credit report before applying for the card. Ideally you want to ensure your credit status is healthy before submitting an application. Check out our comparison table of credit score and credit report providers.

5. Click the Apply button on the table to visit the provider's website to apply for the credit card.