Compare 0% Purchase Credit Cards

  • Pay 0% interest on new purchases
  • Ideal for buying large items
  • Ensure you repay full amount before 0% period ends
ASDA Cashback Credit Card Credit Card Offers
APR Rate
19.90%
Balance Transfer
12 Months
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).

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Credit CardAPR0% Balance Transfer0% PurchaseRepresentative Example:
HSBC Balance Transfer


  • Enjoy cashback and rewards with Visa Offers

  • Get instant discounts from well-known brands with Home&Away rewards programme

  • View your balance and recent transactions using mobile/internet banking

  • Contactless payments with Apple Pay, Google Pay and Samsung Pay

  • Manage your card online

19.90%32 Months03 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).See Deal
Bank of Scotland Platinum Balance Transfer Card (30 Months)


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

19.90%30 Months12 MonthsWhen you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).See Deal
Barclaycard Platinum Credit Card All-Rounder


  • Free ongoing access to Experian Credit Score (conditions apply)

  • Contactless payments of £30 and under

  • Manage your account online

19.90%27 Months27 MonthsWhen you spend £1,200 at a purchase rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).See Deal
HSBC Duel Credit Card


  • Enjoy cashback and rewards with Visa Offers

  • Get instant discounts from well-known brands with Home&Away rewards programme

  • View your balance and recent transactions using mobile/internet banking

  • Contactless payments with Apple Pay, Google Pay and Samsung Pay

  • Manage your card online

22.90%26 Months26 MonthsWhen you spend £1,200 at a purchase rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable).See Deal
Bank of Scotland Platinum Balance Transfer Card (24 Months)


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

19.90%24 Months24 MonthsWhen you spend £1,200 at a purchase rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).See Deal
Bank of Scotland Classic Credit Card


  • Cover against online fraud

  • Manage your account online or banking app

  • Decision within 5 minutes

27.90%18 Months09 MonthsWhen you spend £1,200 at a purchase rate of 27.95% (variable) per annum, your representative APR is 27.9% APR (variable).See Deal
John Lewis Partnership Card


  • Earn points when you spend

  • Redeem points into vouchers

  • Vouchers sent 3 times a year

  • Add up to 3 cardholders

18.90%18 Months09 MonthsWhen you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).See Deal
Barclaycard Freedom Rewards


  • Everytime you spend on your card you'll earn Freedom Points

  • Redeem points for great rewards - £1=2 points at supermarkets, petrol stations and Transport for London. £1=1 point everywhere else.

  • No limit to number of earned points

21.90%12 Months12 MonthsWhen you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).See Deal
Capital One Balance Transfer


  • For people with an excellent credit rating

  • Credit limit up to £6,000

24.90%12 Months03 MonthsWhen you spend £1,200 at a purchase rate of 24.93% (variable) per annum, your representative APR is 24.9% APR (variable).See Deal
Clydesdale Bank Gold Mastercard


  • Contactless and mobile payments via Apple Pay and Google Pay

  • Access to Mastercard Priceless Cities events & offers

  • View your balance and recent transactions using mobile/internet banking

18.90%12 Months26 MonthsWhen you spend £1,200 at a purchase rate of 18.94% (variable) per annum, your representative APR is 18.9% APR (variable).See Deal
Nationwide Credit Card


  • Simply Rewards cashback offers

  • Cashback money goes straight to your card within 5 working days of each qualifying purchase

  • Manage account online or with banking app

  • Contactless payments

17.90%12 Months12 MonthsWhen you spend £1,200 at a purchase rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).See Deal
Barclaycard Initial


  • Starting credit limit between £150 - £1,200

  • Free ongoing access to Experian Credit Score (conditions apply)

  • Could help build your credit rating

34.90%0 Months03 MonthsWhen you spend £1,200 at a purchase rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable).See Deal
Barclaycard Platinum Travel


  • No non-sterling transaction fees on your foreign spend and ATM withdrawals until 31 August 2022. After this, the fee returns to 2.99%.

  • Protection on purchases over £100 so if there’s a problem, you could be covered for a refund

21.90%0 Months0 MonthsWhen you spend £1,200 at a purchase rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).See Deal

Purchase Credit Cards

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.

PocketRate provide comparison services at no cost to the customer. PocketRate may receive a commission fee from the companies listed.