0% purchase credit cards

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Search and compare the best 0% purchase credit card deals using the table below.

0% purchase credit cards with long interest free deals can help spread the cost of large purchases without having to pay interest. Many offer extra rewards for spending, including cashback and discounts. Interest free periods vary between providers and last for a set length of time so it’s important to check the affordability of repayments before making purchases.


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SORT DEALS BY: Purchase Offer Period Rewards Representative APR Total cost Repayment Period Rewards Earned
Post Office Money Matched
post office money matched credit card0% for
27 months
None18.9% APR
(variable)
£10
(fees + interest)
Repaid over
31 months
None
Will you get this card?

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Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
AA Dual Credit Card
aa dual credit card credit card0% for
26 months
None18.9% APR
(variable)
£16
(fees + interest)
Repaid over
31 months
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) per annum, your representative APR will be 18.9% APR (variable).
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
Halifax Purchase and Balance Transfer 26 Months
halifax purchase and balance transfer 26 months credit card0% for
26 months
None18.9% APR
(variable)
£16
(fees + interest)
Repaid over
31 months
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.95% (variable) per annum, your representative APR will be 18.9% APR (variable).
Bank of Scotland Bank Of Scotland Platinum Balance Transfer 24 Months
bank of scotland platinum balance transfer 24 months credit card0% for
24 months
None18.9% APR
(variable)
£33
(fees + interest)
Repaid over
31 months
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.95% (variable) per annum, your representative APR will be 18.9% APR (variable).
Lloyds Bank Platinum 24 Month Balance Transfer
lloyds bank platinum 24 month balance transfer credit card0% for
24 months
None18.9% APR
(variable)
£33
(fees + interest)
Repaid over
31 months
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.94% (variable) per annum, your representative APR will be 18.9% APR (variable).
Lloyds Bank Choice Rewards
lloyds bank choice rewards credit card0% for
24 months
Up to 10 Choice points each £1 spent
More info
23.7% APR
(variable)
£57
(fees + interest)
Repaid over
31 months
15,000
Choice points
Plus an extra 15,000 Choice points earned during the first 6 months
how much is this worth?
Will you get this card?

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Representative example: When you spend £1,200 at a purchase rate of 18.94% (variable) per annum, with a £24 annual fee, your representative APR will be 23.7% APR (variable).
TSB Platinum Purchase
tsb platinum purchase credit card0% for
20 months
None18.9% APR
(variable)
£89
(fees + interest)
Repaid over
31 months
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.94% (variable) per annum, your representative APR will be 18.9% APR (variable).
TSB Low Rate Advance MasterCard
tsb low rate advance mastercard credit card0% for
3 months
None7.9% APR
(variable)
£274
(fees + interest)
Repaid over
33 months
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 7.94% (variable) per annum, your representative APR will be 7.9% APR (variable).
Bank of Scotland Platinum Balance Transfer 32 Months
bank of scotland platinum balance transfer 32 months credit card0% for
12 months
None18.9% APR
(variable)
£303
(fees + interest)
Repaid over
34 months
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.95% (variable) per annum, your representative APR will be 18.9% APR (variable).
Bank of Scotland Bank Of Scotland Platinum Balance Transfer 20 Months
bank of scotland platinum balance transfer 20 months credit card0% for
6 months
None18.9% APR
(variable)
£575
(fees + interest)
Repaid over
36 months
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 18.95% (variable) per annum, your representative APR will be 18.9% APR (variable).
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How to find the best 0% purchase deal

What’s a 0% purchase credit card?

Many credit cards offer 0% on purchases for a set length of time. These can provide a useful way of spreading the cost of larger purchases and they’re one of the cheapest ways to borrow as there’s no interest to pay. At the end of the 0% period, a higher APR will be applied so it’s important to plan ahead and pay off debt as soon as possible.

There are often no fees for taking a 0% purchase credit card, however there are fees on 0% balance transfers, which are frequently offered in conjunction. If taking advantage of both services, it’s necessary to take into consideration when the interest free periods end for each as these can vary. Our full guide here to 0% purchase credit cards explains this in further detail along with information on budgeting, managing repayments and loopholes to look out for.

How to find the best deal

If making large one-off purchases, a 0% purchase credit card with the longest interest free period will help minimise the likelihood of paying interest while spreading debt over time. Any outstanding debt will incur a higher APR at the end of the agreed interest free period so finding the right deal can also depend on whether debt can be paid off within this time. If it’s unlikely debt will be paid off in time, it can be better to opt for a deal with a lower APR or to reconsider whether using a credit card is an appropriate way to borrow.

Some providers offer extra rewards, which can be especially useful for everyday spending, including cashback, points and discounts. Depending on the level of debt remaining, any savings during the 0% period could be outweighed when it ends. So it’s important to be aware of the date the interest free period ends and how much APR will then be incurred.

Making repayments

Different providers offer varying lengths of time during which interest on purchases remains at 0%. These can also vary based on individual circumstances, with shorter 0% interest periods and higher representative APRs possible. Providers require minimum payments and not meeting these can result in losing the 0% interest deal and being switched to a higher APR.

Before making purchases, it’s necessary to be realistic about how much is an affordable amount to pay monthly to ensure minimum repayments are met and debts are paid off in a timely manner. As outstanding debt is moved to a higher APR at the end of the agreed interest-free period, it’s worth calculating how much would need to be repaid each month in order to clear the debt before the 0% deal ends, particularly when making large purchases.

0% on balance transfers

When 0% purchases and 0% balance transfers are taken on the same card, it’s up to the provider to prioritise which debt is repaid first. Often balance transfer debts are prioritised as these tend to have a higher APR. But in many cases, 0% purchase deals will be shorter by a number of months than deals on balance transfers. As a result, interest can start to be applied to purchases sooner than expected even if repayments are maintained.

For this reason, if both a balance transfer and credit card spending is necessary, taking separate credit cards for each can make it more obvious which debt is being cleared when making repayments. Alternatively, it can be worth comparing 0% interest deals where balance transfer and purchase deals lasts for the same duration so it’s clear from the outset when interest will begin accumulating.

Cash advance charges

Like most credit cards, providers charge interest and a fee for cash withdrawals on the vast majority of 0% purchase credit cards. Because of these extra charges, it’s usually best to avoid cash withdrawals and other payments that meet the ‘cash advance’ classification altogether. These can include cash back at tills, foreign currency purchases, paying utility bills, buying gift cards and making mortgage payments.

Go back up to the credit card deals  

More on 0% Purchases
how long will it take to get my credit card?

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buyer's guide: 0% purchase credit cards

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credit card purchase protection: are you already covered?

Credit card providers offer consumer cover but do the policies beat the protection offered under law?

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guide to low interest rate credit cards

Providers offer low rates on both purchases and balance transfers. Are they worthwhile compared to 0%?

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what happens when a 0% purchase offer ends?

When a credit card's 0% purchase period ends, any remaining balance will start to incur interest at the standard rate.

Read more »


Calculations, including those illustrating interest costs, are intended as a general guide only for comparison purposes and should not be considered as an exact representation of what you will have to pay in terms of costs or what you will earn in times of rewards, nor should they be considered as advice that relates to your specific circumstances. Interest costs are based on the Representative APR of each credit card, as well as any special offer rates. The Representative APR is an indication of the interest rate you may receive as expressed by law. You may be offered a different rate than the Representative APR. There is no guarantee that the listed credit cards will be available to you or of the amount they may grant as a credit limit.

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