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Credit Cards 0% Purchases

Tesco Clubcard

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Advice

Earn Tesco Clubcard reward points when you spend on this card! 2% Balance Transfer fee on all balances transferred in the first 4 months.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: 2%
Purchase Rate: 0% p.a. 12 mths
Typical APR
Purchases: 16.9% p.a.
Balance Transfers: 16.9% p.a.
Balance Transfer Fee: 2%
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 46 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 an income over £10,000 p.a

Credit Card Rewards

  • Collect 5 Clubcard points when you spend £4 at Tesco
  • Collect 1 Clubcard point when you spend £4 elsewhere
  • Turn Points into Airmiles - £2.50 in Clubcard vouchers get you 60 Airmiles. Return flights from London - Paris, work out at just £31.25 in Clubcard vouchers or 750 Airmiles.

Halifax All In One

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 9 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% p.a. 9 mths
Typical APR
Purchases: 15.9% p.a.
Balance Transfers: 15.9% p.a.
Balance Transfer Fee: 3%
Cash Advance: 27.9% p.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

Bank of Scotland All In One

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 9 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% p.a. 9 mths
Typical APR
Purchases: 15.9% p.a.
Balance Transfers: 15.9% p.a.
Balance Transfer Fee: 3%
Cash Advance: 27.9% p.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

Virgin Money Card

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 16 mths
Balance Transfer Fee: 2.98%
Purchase Rate: 0% p.a. 3 mths
Typical APR
Purchases: 16.6% p.a.
Balance Transfers: 16.6% p.a.
Cash Advance: 24.9% p.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

MBNA Platinum

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Advice

You are also able to download cash from this card to your current account. This is classed as a 'Balance Transfer' and subject to a 2.9% fee. Once this is paid however you have up to 13 months at 0% APR to pay the amount back before you incur interest!!!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 13 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% p.a. 3 mths
Typical APR
Purchases: 17.9% p.a.
Balance Transfers: 17.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: £50,000
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
  • You have not applied for an MBNA or Virgin Credit Card within the last 6 months

HSBC Credit Card

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% p.a. 3 mths
Typical APR
Purchases: 16.9% p.a.
Balance Transfers: 16.9% p.a.
Cash Advance: 24.7% p.a.
Standard Features
Credit Limit: Subject Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • YOU ARE AN EXISTING HSBC CUSTOMER
  • 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
  • You have an income over £10,000 p.a

MBNA Rewards

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 13 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% p.a. 3 mths
Typical APR
Purchases: 15.9% p.a.
Balance Transfers: 15.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are currently employed
  • You are over 21 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
  • You have not applied for an MBNA or Virgin Credit Card within the last 6 months

Credit Card Benefits

  • Get 2000 free points if you use your card within 3 months!
  • Redeem your points for an endless choice of flights, hotels, package holidays, city breaks and car hire.
    You can pay part points and part cash!

Post Office Mastercard

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Advice

Get 0% Commission
card use abroad
(usually 2.75% charge).

Introductory Offer
Balance Transfer Rate: 0% p.a. for 12 mths
Balance Transfer Fee: 2.98%
Purchase Rate: 0% p.a. 3 mths
Typical APR
Purchases: 16.9% p.a.
Balance Transfers: 16.9% p.a.
Cash Advance: 19.16% p.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

Credit Card Benefits

  • Get 0% Balance Transfers for 5 months on the anniversary of your card opening for the next 2 years
  • Purchases of £500 to £2,000 in value can be transferred to the 'Post Office special fixed rate Payment Plan' of 6.8% p.a. - just call Post Office to arrange this.
  • Pay for up to 2 purchases with a maximum combined value of £2,000 over 12 months
  • Get 1 monthly statement showing your card and Payment Plan

What are 0% purchases Credit Cards?

  • 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 12 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

    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 12 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

    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 0% on Purchases Credit Cards above

 

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