Compare purchase credit cards

A 0% purchases credit card can let you split the cost of big items interest-free, as long as you clear the balance within the introductory period.

  • Use our free card finder tool
  • Find cards with 0% interest for up to 23 months
  • Apply in minutes

Find and compare the cards available to you,

without affecting your credit score

Compare 0% purchase cards from leading providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to get a 0% purchase credit card

1

Use our free card finder tool

This uses a 'soft search' credit check to you find credit card deals you're most likely to be accepted for without affecting your credit score.

2

Filter the results according to your needs

Depending on what's important to you, you can filter results by lowest APR, longest interest-free period, etc to see the best deals we have for you.

3

Choose the card you want

Pick a card that best suits your circumstances. Typically it's the card that offers the longest interest free period at the lowest APR.

4

Apply for the card

Fill out an application with your name, contact and financial details. It can take up to a week or more to hear back on whether you've been accepted.

0% purchase credit card deals

60 results found, based on purchases of £3000 and paying £160 a month. Sorted by payment term and costs. Find out more about how our calculator works and how we order our comparisons.
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£
£
£25 cashback when you spend £250
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Purchases
0% for 24 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
£20 cashback for customers who spend over £250 within 90 days. Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Purchases
0% for 23 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 23 or 15 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
£30 Aggregator Exclusive Amazon Gift Card
Santander All in One Credit Card
Purchases
0% for 20 months
Representative APR (variable)
23.7% APR
Pay the balance over
19 months with no fees or interest
0% on balance transfers and purchases from the date of account opening. Once the 0% deals end, you will be charged at 17.9% p.a. variable on any outstanding balances. Earn 0.5% cashback on all your purchases.
£3 monthly fee applies.
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.7% (variable).£3 monthly fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,500
UK Resident
Lloyds Bank 0% Purchase and Balance Transfer Card
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money All Round Credit Card (19 Mths) (21.9%)
Purchases
0% for 19 months
Representative APR (variable)
21.9% APR
Pay the balance over
19 months with no fees or interest
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money All Round Credit Card (19 Mths) (23.9%)
Purchases
0% for 19 months
Representative APR (variable)
23.9% APR
Pay the balance over
19 months with no fees or interest
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money All Round Credit Card (19 Mths) (25.9%)
Purchases
0% for 19 months
Representative APR (variable)
25.9% APR
Pay the balance over
19 months with no fees or interest
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
M&S Bank Reward Credit Card
Purchases
0% for 12 months
Representative APR (variable)
19.9% APR
Pay the balance over
20 months with fees & interest of £68.66
Get double M&S points on all M&S shopping for the first 12 months and a bonus points voucher for 500 M&S points worth £5. T&Cs apply.
Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Compare another type of credit card

How do 0% credit cards work?

The main feature of 0% purchase cards is that they come with longer interest free periods - ranging from three to 30 months.

A 0% interest credit card means you can make purchases without paying any interest on what you’ve borrowed for the introductory period.

For example, if you make a purchase worth £1,200 on your 0% purchase card, and you have an interest free period of six months, you can pay off the balance by repaying £200 every month, without any additional interest being charged.

Once the 0% introductory period ends you'll be charged interest based on the revert rate on your card for the remaining balance on your card.

What should I use a 0% interest credit card for?

These are useful for making large purchases such as furniture for your home or funding a holiday, because you can spread the cost over several months while paying no interest on the debt.

The best interest free credit cards will also offer you rewards on your spending - including vouchers, supermarket loyalty points or even cash back - meaning you're effectively being paid to spend money.

How to compare 0% interest credit cards

When comparing 0% purchase credit cards, you might want to consider some key features:

  • Length of the 0% interest period: This can range from three to as many as 29 months, so choose a card that offers a long enough period that covers your needs.

  • Annual fee: Some 0% interest credit cards charge an annual fee. For a card to be worth your while calculate whether the amount you’ll save in interest is more than the annual fee. If not, it’s best to choose a card without an annual fee.

  • The revert rate: This is the interest rate that you’ll be charged after the introductory interest free period ends. It’s also known as the standard purchase rate, which can range from around 10% up to over 35%. This is why it’s a good idea to try and pay off your balance before the 0% interest period ends.

Find out more about how APR works.

Salman Haqqiquotation mark
A 0% card means you can buy now, and pay over more than a year without being charged even a penny of interest for the privilege. Just make absolutely sure you don't miss a payment or you could lose your 0% deal.
Salman Haqqi, Personal Finance Editor

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Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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Last updated: 15 December, 2021