0% Purchase Credit Card

A 0% purchase credit card is a credit card which offers a rate of 0% on purchases for an introductory period, which can be for as long as 15 months before reverting to the card issuers standard variable rate. Most 0% purchase credit cards now also offer an introductory rate on balance transfers as well.

With a 0% purchase credit card you can choose to make a purchase now rather than later, of say a flat screen TV or holiday, and then save money by paying it back in installments, interest free for the duration of the introductory purchase period. There are a large number of credit cards in the UK market offering a 0% introductory purchase rate. Here are our featured 0% purchase credit cards :-

Credit CardBalance TransfersPurchasesRepresentative
APR (Variable)
Rewards
Tesco ClubcardTesco Clubcard
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Tesco Bank, PO Box 5747, Southend on Sea, SS1 9AJ
0% for 9 months
(2.9% fee)
0% for 15 months16.9%
APR
Tesco Clubcard points
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Income £5,000+
apply online
Halifax All In OneHalifax All In One
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Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ
0% for up to 15 months*
(3% fee)
0% for up to 15 months*17.9%
APR
N/A
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable). *The APR and length of the promotional offer are dependent on your personal circumstances
Who Can Apply: UK resident, Age 18+, Regular income, Good credit rating
apply online
Bank of ScotlandBank of Scotland
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Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ
0% for 12 months
(3% fee)
0% for 12 months17.9%
APR
N/A
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
Who Can Apply: UK resident, Age 18+, Regular income, Good credit rating
apply online
AAAA
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MBNA Europe Bank Limited, Stansfield House, Chester Business Park, Chester, CH4 9QQ
0% for 12 months
(3% fee)
0% for 10 months16.9%
APR
AA Reward points
Representative Example: 16.9% p.a. (variable) on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1200
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating
apply online
SainsburysSainsburys
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Sainsburys Bank plc. 33 Holborn, London, EC1N 2HT
0% for 12 months
(3% fee)
0% for 12 months16.9%
APR
N/A
Representative Example: 16.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1,200, annual interest rate (variable) 16.94%
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, have Nectar Card
apply online
Virgin All RoundVirgin All Round
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Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ
0% for 16 months
(1.99% fee)
0% for 6 months15.8%
APR
Virgin product discounts
Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on assumed credit limit of £1,200
Who Can Apply: UK resident, Age 18+, Have bank/building scociety account, Good credit rating
apply online

Latest 0% Purchase Credit Card News


New Virgin All Round Credit Card

24th October 2011

Virgin Money have introduced a new credit card the Virgin All Round credit card. The new Virgin All Round card offers 0% on balance transfers for 16 months for transfers made within the first 60 days, with a lower than average 1.99% handling fee and a representative 15.8% APR variable. The Virgin credit card is a MasterCard which is available for online applications. Read More

Post Office Credit Card Deals Change

23rd May 2011

The Post Office have changed the introductory deals available on Post Office credit card which now comes with an introductory offer on balance transfers of 0% for 14 months on balance transfers, with a 2.98% handling fee, and a representative 16.9% APR variable. The Post Office credit card is a MasterCard which is available for online applications. Read More

NatWest Platinum Offer Changes

16th May 2011

NatWest have increased the introductory offers available on the NatWest Platinum credit card which now offers 0% on balance transfers for 18 months, with a lower 2.8% handling fee (minimum £5), and a lower interest rate of a representative 16.6% APR variable. The NatWest credit card is a MasterCard which is available for online applications. Read More

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