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You are here: Home Money Credit Cards 0% Purchases

0% Purchase
Credit Cards

Compare top UK 0% purchase cards and pay nothing on all purchases made, get the market leading 0% purchase credit card now.

Compare Credit Card Features

Credit Cards

  • Popular Credit Cards
  • 0% Balance Transfers
  • 0% Purchases
  • Cash Back
  • Low Rate Credit Cards
  • Airmiles Credit Cards
  • Bad Credit Card

Editors Choice - Halifax - 15 months 0% Purchases

Spread the cost of purchases with a market leading Halifax All-in-One card offering a fantastic 15 months 0% on purchases, not to mention 15 months 0% on balance transfers!

More Info >
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0% Purchase Credit Cards

Card
Issuer
Purchases
Balance Transfers
Representative APR (variable)
Apply
Halifax All In One
Rate 0%
Duration 15 mths
Rate 0%
Duration 15 mths
Fee 1%
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).
NatWest World Credit Card
Rate 0%
Duration 15 mths
Rate 0%
Duration 15 mths
Fee 2.90%
16.9%
Apply >
More Info
Representative Example: Representative 16.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (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).
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 26 mths
Fee 2.65%
18.95%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
RBS Platinum
Rate 0%
Duration 6 mths
Rate 0%
Duration 26 mths
Fee 2.65%
18.95%
Apply >
More Info
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Lloyds TSB Platinum
Rate 0%
Duration 3 mths
Rate 0%
Duration 15 mths
Fee 1%
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 Credit Card
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%

Halifax All In One

Advice

Standard balance transfer fee is 3.0%. Apply before 25th June 2013 and Halifax will refund 2% bringing the fee down to only 1%.

Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: 1%
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

Barclaycard Platinum Purchase

Advice

Get ½ price fees on balance transfers – was 2.9% now 1.45%

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

RBS Platinum

Introductory Offer
Balance Transfer Rate: 0% for 26 mths
Balance Transfer Fee: 2.65%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.95% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.95% 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 26 mths
Balance Transfer Fee: 2.65%
Purchase Rate: 0% for 6 mths
Representative APR
Purchases: 18.95% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% (variable) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.95% 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

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

Lloyds TSB Platinum

Advice

3% Balance Transfer fee will be taken initially but an automatic refund will refund 2% of this fee within 60 days of the balance transfer completion.

Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: 1%
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 Credit Card

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

NatWest World Credit Card

Advice

Get 2,500 bonus points and 2,500 annual bonus points when you take out card. £1 spent = 1 point. Use toward flights, holidays and on brands like M&S, Boots and Amazon.

Introductory Offer
Balance Transfer Rate: 0% for 15 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% for 15 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example: Representative 16.9% APR (variable) based on assumed Credit Limit of £1,200. Standard interest rate for purchases: 16.95% p.a. (variable)
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: 1,200
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

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 can extend to 15 months, and they allow consumers to spread the payment for their purchases over a longer period of time without paying the high interest rates charged by credit cards and store cards.

Though no interest may be due on purchases, you must still pay at least the minimum payment due each month, on or before your billing date. Ideally, ensure that any balance on the card is paid off in full before the introductory period expires, as it will become subject to the standard APR rate after this time.

The new benefits of 0% purchases credit cards:

New credit card regulations introduced in 2011 have improved conditions greatly for credit card holders. Prior to this, companies would allocate any repayments to the cheapest portion of the debt, leaving the expensive debt on purchases to rack up interest at higher rates. A card with a lengthy balance transfer offer would have seen a transferred balance take priority when it came to repayments, meaning that any balance on puchases would accrue interest until the whole of the low-rate balance was repaid.
Now, however, repayments must go towards the most expensive portion of the debt. This makes cards with short-term 0% purchase offers far more appealing as the costs are no longer allowed to climb through a negative order of payments.

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.

Latest Purchases News RSS Feed

  • Tesco Clubcard Credit Card offers 0% on purchases for 16 months
    Tesco has extended the 0% purchases offer on its Clubcard credit card to 16 months, making it the current market leader for spending.   The ...
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    Mon 25th Jun, 2012
  • Expert: Avoid using credit cards for large purchases where possible
    An expert has said that people should avoid using credit cards for large purchases where possible. Consumers may be better off using their ...
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    Fri 25th Feb, 2011
  • Expert: Credit cards should be used for large purchases
    A specialist has spoken about using credit cards for large purchases. People should be more willing to use their credit card instead of other ...
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    Wed 8th Dec, 2010
  • Credit card 'best option for large purchases'
    An expert has said credit cards are often the best option for people making large purchases. Using a credit card to fund large purchases in the ...
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    Mon 29th Nov, 2010
  • Credit cards can be a good way to manage larger purchases, expert says
    People could use a credit card to pay for a holiday, one industry expert has said. Managing larger purchases can be done by using credit cards, ...
    Read More >
    Fri 18th Jun, 2010
  • People 'turning to saving to fund purchases'
    Instead of using credit offers, one financial expert claims that people will tend to fund purchases by saving up. Britons look set to take a more ...
    Read More >
    Mon 25th Jan, 2010
View Latest Purchases News Archive >
 

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