0% Purchase
Credit Cards

0% purchases Credit Cards provide an effective means for spending without paying interest on balances for up to 15 months. Compare top credit card providers side by side to find the best 0% Purchases credit card for you.

Compare Credit Card Features

Credit Cards

Editors Choice - Nationwide - 18 months 0% Purchases

Spread the cost of purchases with a market leading Nationwide Select card offering a fantastic 18 months 0% on purchases, not to mention 17 months 0% on balance transfers!

More Info >

0% Purchase Credit Cards

Card
Issuer
Purchases
Balance Transfers
Representative APR (variable)
Apply
Nationwide Select Credit Card
Rate 0%
Duration 18 mths
Rate 0%
Duration 17 mths
Fee 2.95%
12.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
Tesco Clubcard Credit Card
Rate 0%
Duration 15 mths
Rate 0%
Duration 9 mths
Fee 2.90%
16.9%
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More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Halifax All In One
Rate 0%
Duration 15 mths
Rate 0%
Duration 15 mths
Fee 3%
17.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Barclaycard Platinum Purchase
Rate 0%
Duration 14 mths
Rate 0%
Duration 14 mths
Fee 2.90%
18.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Bank of Scotland Exclusives card
Rate 0%
Duration 13 mths
Rate 0%
Duration 13 mths
Fee 3%
17.9%
Apply >
More Info
Representative 17.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 17.95%
Bank of Scotland All In One
Rate 0%
Duration 12 mths
Rate 0%
Duration 12 mths
Fee 3%
17.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Sainsbury's Finance Credit Card
Rate 0%
Duration 12 mths
Rate 0%
Duration 12 mths
Fee 3%
16.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
AA Credit Card
Rate 0%
Duration 10 mths
Rate 0%
Duration 12 mths
Fee 3%
16.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
MBNA Play.com Credit Card
Rate 0%
Duration 9 mths
Rate 0%
Duration 6 mths
Fee 1.50%
16.9%
Apply >
More Info
Representative Example: Representative 16.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.9%
Lloyds TSB Advanced Mastercard
Rate 0%
Duration 6 mths
Rate 4.90%
Duration 12 mths
Fee 1.50%
11.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 11.95% (variable) your Representative APR will be 11.9% (variable).
NatWest Platinum
Rate 0%
Duration 6 mths
Rate 0%
Duration 20 mths
Fee 2.90%
17.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Amex Platinum Cash Back
Rate 0%
Duration 6 mths
Rate N/A
Duration N/A
Fee N/A
18.5%
Apply >
More Info
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
RBS Platinum
Rate 0%
Duration 6 mths
Rate 0%
Duration 20 mths
Fee 2.90%
17.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Lloyds TSB Platinum
Rate 0%
Duration 3 mths
Rate 0%
Duration 15 mths
Fee 3%
17.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Post Office Mastercard
Rate 0%
Duration 3 mths
Rate 0%
Duration 14 mths
Fee 2.98%
16.9%
Apply >
More Info
Representative Example: Representative 16.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.9%
Virgin Credit Card
Rate 0%
Duration 3 mths
Rate 0%
Duration 20 mths
Fee 2.99%
16.8%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).
Barclaycard Platinum (Low Fee)
Rate 0%
Duration 3 mths
Rate 0%
Duration 16 mths
Fee 1.60%
18.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 17.5% (variable) your Representative APR will be 17.5% (variable).
HSBC Credit Card
Rate 0%
Duration 3 mths
Rate 0%
Duration 23 mths
Fee 3.30%
17.9%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).

Nationwide Select Credit Card

Advice

Balance transfers offer is only applicable to transfers made in the first 3 months of account opening and are subject to a 2.95% Balance Transfer fee (£3 Minimum). Also, get commission free card purchases abroad & 0.5% Cash Back on all Sterling spend!

Introductory Offer
Balance Transfer Rate: 0% for 17 mths
Balance Transfer Fee: 2.95%
Purchase Rate: 0% for 18 mths
Representative APR
Purchases: 12.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).
Annual Rates
Balance Transfers: 12.9% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.50%
Approval Criteria
  • To be eligible to apply, you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal transfers), or agree to complete an Account Transfer from an account (non Nationwide) using our Account Transfer Service or have done so in the past 4 months.
  • You are at least 25 Years of Age
  • You have an Excellent Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year

Halifax All In One

Advice

Currently offered are three APRs depending on circumstance – 17.9%, 21.9% and 23.9%. If you are accepted at the highest rate of 23.9% APR variable you may not be offered an introductory period on balance transfers and purchases.

Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 15 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Tesco Clubcard Credit Card

Advice

Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card anywhere in the world. Plus, your card doubles as a Clubcard. So when you use your Clubcard Credit Card to pay at Tesco, not only will you get 1 point for every £4 you spend, you will also collect points from Clubcard!

Introductory Offer
Balance Transfer Rate: 0% for 9 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% for 15 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Balance Transfer Fee: 2.90% p.a.
Cash Advance: 24.94% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 51 days
On-Line Banking: Yes
Approval Criteria
  • You have an excellent Credit History
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have a gross annual income of £5,000+

Barclaycard Platinum Purchase

Introductory Offer
Balance Transfer Rate: 0% for 14 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% for 14 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a.
Balance Transfer Fee: 2.90% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000

Bank of Scotland Exclusives card

Introductory Offer
Balance Transfer Rate: 0% for 13 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 13 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: Representative 17.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 17.95%
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

Sainsbury's Finance Credit Card

Advice

Get 12 months 0% on all Purchases and Balance Transfers. Plus, earn up to 4 Nectar points for every £1 you spend in Sainsbury's stores and online for the first two years!

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 24.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You have a permanent UK address
  • You are 18 or over
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are not an existing Sainsbury's Bank Credit Card holder

Bank of Scotland All In One

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 12 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have NOT been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • You DO NOT any CCJs or have been made Bankrupt
  • You have NOT missed payments on your current store cards, credit cards, loans or mortgages
  • You ARE in employment (receiving an annual salary)
  • You can provide a telephone number that you can be contacted on

AA Credit Card

Advice

Earn AA Reward Points on your everyday card purchases, and earn double points on motoring, fuel and AA products. Use your points to purchase from a range of motoring products and services.

Introductory Offer
Balance Transfer Rate: 0% for 12 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 10 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 58 days
On-Line Banking: Yes
Approval Criteria
  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

RBS Platinum

Introductory Offer
Balance Transfer Rate: 0% for 20 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have an exisiting RBS Current A/C
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

NatWest Platinum

Introductory Offer
Balance Transfer Rate: 0% for 20 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have an existing NatWest Current A/C
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Amex Platinum Cash Back

Advice

Not only do you get 6 months 0% on purchases, you also get 5% cashback on up to £2,000 spend within 1st 3 months (Max £100). After this you can earn cashback rates of 1.25% with NO spend limit!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.5% p.a. (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
Annual Rates
Balance Transfers: 18.5% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: £25 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% p.a.3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have a household income of at least £20,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

Lloyds TSB Advanced Mastercard

Advice

You must spend a minimum of £100 in the 1st 3 months or the 6 month 0% purchase duration is reduced to 3 months only. Keep track of your money across your Lloyds TSB personal current and credit card accounts with Money Manager and Active Account Monitoring to spot any suspicious spending.

Introductory Offer
Balance Transfer Rate: 4.90% for 12 mths
Balance Transfer Fee: 1.50%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 11.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 11.95% (variable) your Representative APR will be 11.9% (variable).
Annual Rates
Balance Transfers: 11.9% p.a.
Cash Advance: 24.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Virgin Credit Card

Advice

Virgin Credit Card now uses the 'PayPass service' meaning you can pay for items of £15 or less without having to key in your PIN, simply by hold the card close to a card reader to make the transaction!!!

Introductory Offer
Balance Transfer Rate: 0% for 20 mths
Balance Transfer Fee: 2.99%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 16.8% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).
Annual Rates
Balance Transfers: 16.8% p.a.
Cash Advance: 24.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 50 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are in full time employment
  • You are a permanent resident/citizen of the UK
  • You have a Bank or Building society account

Barclaycard Platinum (Low Fee)

Introductory Offer
Balance Transfer Rate: 0% for 16 mths
Balance Transfer Fee: 1.60%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.5% (variable) your Representative APR will be 17.5% (variable).
Annual Rates
Balance Transfers: 18.9% p.a.
Balance Transfer Fee: 3.20% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000

HSBC Credit Card

Introductory Offer
Balance Transfer Rate: 0% for 23 mths
Balance Transfer Fee: 3.30%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.7% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • YOU MUST BE AN EXISTING HSBC CUSTOMER TO APPLY FOR THIS OFFER!
  • You have an HSBC current account, pay more than £500 monthly into your current account and have a salary of £8,500 or more.
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have been a permanent resident/citizen of the UK for atleast the last 3 years
  • You have a bank or building society account

Lloyds TSB Platinum

Advice

Keep track of your money across your Lloyds TSB personal current and credit card accounts with Money Manager and Active Account Monitoring to spot any suspicious spending.

Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

Post Office Mastercard

Advice

Get 0% commission on credit card purchases overseas (usually 2.75% charge)!!

Introductory Offer
Balance Transfer Rate: 0% for 14 mths
Balance Transfer Fee: 2.98%
Purchase Rate: 0% for 3 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: Representative 16.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.9%
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 24.1% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have an income over £8,000 p.a

MBNA Play.com Credit Card

Advice

Receive 1,500 bonus Play Points if you spend £150 on your card within 90 days of your account opening - you can redeem these Points for a £15 Voucher!

Introductory Offer
Balance Transfer Rate: 0% for 6 mths
Balance Transfer Fee: 1.50%
Purchase Rate: 0% for 9 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: Representative 16.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 16.9%
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 50 days
On-Line Banking: Yes
Approval Criteria
  • You are currently employed
  • You are over 23 years of age
  • You are a homeowner
  • You have an income of over £20,000
  • You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
  • You are a resident in the UK and can prove residential addresses for the past two years

0% Purchases Credit Cards Explained


What are 0% purchases credit cards?

Most Credit Card providers offer low or 0% introductory interest rates to attract new customers. These introductory periods last from anything up to around 15 months, and provide consumers with method for spreading payment for their purchases over a longer period of time, without having to pay high interest rates charged by some credit & store cards.

Although these credit cards advertise 0%, you have to remember that you must still pay at least the minimum payment due each month, on or before your billing date. Ideally you would ensure you have paid the balance off in full before the introductory period expires, as it will become subject to the standard APR rate after this time.

What to look out for with 0% purchases credit cards:

Most credit cards that come with the 0% purchases feature also provide 0% on balance transfers, but there can be a catch to using both features on a single card. If you transfer a balance over to a credit card, this balance will take priority over anything you pay off the bill. If you start using the card for purchases after the transfer, the money you pay off on your bill can't be deducted from your purchases until the balance transferred has been cleared. This means that if, for example, you have a card offering 0% for 15 months on balance transfers, and 0% for 3 months on purchases and you plan to use both features, if you don't clear the entire amount owed on the card within 3 months, you will have to pay interest on the amount built up from purchases until the balance is paid.

What to remember with 0% purchases credit cards:

Always ensure you know how long the 0% offer lasts for, and check what the standard APR will rise to after the introductory period expires. If you find you still have an outstanding balance after this period has ended it may be a good idea to switch to another provider with low introductory interest rates on balance transfers to take off some of the pressure, allowing you to keep your charges down and pay off what you owe over a period that suits you. Balance transfer cards tend to come with a transfer fee of around 3% of the total balance transferred, but this can be far more appealing than the alternative.
See our range of best 0% Purchases Credit Cards above.

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