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Credit Cards 0% Purchases

Compare 0% Interest Cards

0% INTEREST CARDS - Compare our top 5 0% purchases credit cards with our easy to use table and quickly find the best deals on offer. Choose from a range of providers and find a card that suits you. Applying is simple, just click the 'Apply' button next to the card you wish to apply for and follow the instructions.

0% Interest Cards

0% interest cards are used as an effective tool for transferring an existing balance from one credit card to another using the balance transfer feature and paying no interest on the balance transferred.

The 0% purchases side to 0% interest cards allows users to spread the cost of purchases over a longer period of time. As long as you always pay at least the minimum payment at the end of every billing period, you can pay on credit and pay no interest.

0% interest cards usually come as an introductory period from 3 – 6 months for purchases and anything up to around 15 months on balance transfers, which means that after this period you will only have the interest free days to spread payments for purchases if you wish to avoid interest charges. Any balances are subject to the standard variable rate after the period expires.

Most 0% interest cards come with up to 56 interest free days to help take the pressure off having to pay for everything at once.

Top 5 Purchases Credit Cards

Card Issuer Balance Transfers Purchases Typical APR (variable) Apply
Rate Duration Fee Rate Duration
View Full Table >
Virgin Credit Card
16 months 0% Balance Transfers
& 3 months 0% Purchases
 0% 16 mths 2.98% 0% 3 mths
16.6%
Apply >
More Info
Barclaycard Platinum
15 months 0% Balance Transfers
& 3 months 0% Purchases
 0% 15 mths 2.90% 0% 3 mths
15.9%
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More Info
Egg Visa Card
0% Balance Transfers until May 2011 & 0% Purchases until June'10
 0% until May 2011 3% 0% until Jun 2010
16.9%
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More Info
Tesco Clubcard
6 months 0% on Balance Transfers
& 12 Months 0% Purchases
 0% 6 mths 2% 0% 12 mths
16.9%
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More Info
MBNA Platinum
13 months 0% Balance Transfers
& 3 months 0% Purchases
 0% 13 mths 2.90% 0% 3 mths
16.9%
Apply >
More Info

Introductory Offer

Balance Transfer Rate:
0% for 16 mths
Balance Transfer Fee:
2.98%
Purchase Rate:
0% for 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
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 15 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Balance Transfer Fee:
2.90%
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online 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

Introductory Offer

Balance Transfer Rate:
0% until May 2011
Balance Transfer Fee:
3%
Purchase Rate:
0% until Jun 2010

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
22.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online 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
  • Any Income Considered

Introductory Offer

Balance Transfer Rate:
0% for 6 mths
Balance Transfer Fee:
2%
Purchase Rate:
0% for 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 51 days
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 50 days
Online 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

Balance transfer must be made within 90 days

Introductory Offer

Balance Transfer Rate:
0% for 12 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
15.9% p.a.
Balance Transfers:
15.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online 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

Balance transfer must be made within 90 days

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • 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

Introductory Offer

Balance Transfer Rate:
0% until Apr 2011
Balance Transfer Fee:
2.50%
Purchase Rate:
N/A

Typical APR

Purchases:
19.9% p.a.
Balance Transfers:
19.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You haven't missed multiple payments on a credit agreement within the last 12 months
  • You don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
  • You don't already have a Barclaycard
  • 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

Introductory Offer

Balance Transfer Rate:
0% for 15 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • YOU ARE AN EXISTING NATWEST CUSTOMER
  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year

Introductory Offer

Balance Transfer Rate:
0% for 15 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • YOU ARE A RBS CURRENT A/C HOLDER
  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year

Introductory Offer

Balance Transfer Rate:
0% for 15 mths
Balance Transfer Fee:
2.90%
Purchase Rate:
0% for 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
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 12 mths
Balance Transfer Fee:
2.98%
Purchase Rate:
0% for 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
Online 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

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
7.80% p.a.
Balance Transfers:
7.80% p.a.
Cash Advance:
15.8% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 21 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 £20,000 p.a

Introductory Offer

Balance Transfer Rate:
0% for 9 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 9 mths

Typical APR

Purchases:
11.9% p.a.
Balance Transfers:
11.9% p.a.
Cash Advance:
19.3% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 9 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 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
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 9 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 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
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 6 mths
Balance Transfer Fee:
2%
Purchase Rate:
0% for 10 mths

Typical APR

Purchases:
18.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 50 days
Online 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

Introductory Offer

Balance Transfer Rate:
5.90% For Life
Balance Transfer Fee:
2%
Purchase Rate:
N/A

Typical APR

Purchases:
16.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 50 days
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 6 mths
Balance Transfer Fee:
2%
Purchase Rate:
N/A

Typical APR

Purchases:
17.9% p.a.
Balance Transfers:
17.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 50 days
Online 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

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
17.9% p.a.
Balance Transfers:
17.9% p.a.
Cash Advance:
27.9% p.a.

Standard Features

Credit Limit:
£50,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

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 £30,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

Introductory Offer

Balance Transfer Rate:
0% for 13 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
18.9% p.a.
Balance Transfers:
16.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 50 days
Online 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

Introductory Offer

Balance Transfer Rate:
0% for 12 mths
Balance Transfer Fee:
3%
Purchase Rate:
0% for 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
Online 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

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
4.90% for 9 mths

Typical APR

Purchases:
19.9% p.a.
Balance Transfers:
19.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£10,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • YOU ARE A NATWEST CURRENT A/C HOLDERS
  • 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

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
4.90% for 9 mths

Typical APR

Purchases:
19.9% p.a.
Balance Transfers:
19.9% p.a.
Cash Advance:
24.9% p.a.

Standard Features

Credit Limit:
£10,000
Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • YOU ARE A RBS CURRENT A/C HOLDER
  • 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


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