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0% Purchase Credit Cards

Balance Transfer Calculator

M&S Bank

Shopping Plus Offer Credit Card
M&S Bank logo

22 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Barclaycard

20/21 Month Platinum Combo Card
Barclaycard logo

21 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. 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.

Santander

All in One Credit Card
Santander logo

20 months

0% interest on purchases

£3

Monthly fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 17.9% (variable), representative 23.7% APR (variable). Credit available subject to status. Monthly fee: £3.

HSBC

Purchase Plus Credit Card
HSBC logo

18 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status. 

M&S Bank

Reward Credit Card
M&S Bank logo

12 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

Barclaycard

24 Month Platinum Balance Transfer Credit Card
Barclaycard logo

6 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. 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.

Barclaycard

15 Month Platinum 0% Balance Transfer Credit Card with No Transfer Fee
Barclaycard logo

6 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status (Terms and conditions apply). 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.

HSBC

Rewards Credit Card
HSBC logo

6 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. Existing HSBC Customers Only.

Santander

Everyday Long Term Balance Transfer Credit Card
Santander logo

3 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

Santander

Everyday No Balance Transfer Fee Credit Card
Santander logo

3 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

HSBC

Balance Transfer Credit Card
HSBC logo

3 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. 

NatWest

Balance Transfer Credit Card
NatWest logo

3 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions. Existing Customers Only.

M&S Bank

Transfer Plus Offer Credit Card
M&S Bank logo

3 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Royal Bank of Scotland

Balance Transfer Credit Card
Royal Bank of Scotland logo

3 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions. Existing Customers Only. 

NatWest

The Natwest Credit Card
NatWest logo

9.9%

p.a. variable on purchases

No fee

Annual fee

Representative Example:

Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 9.9% (variable), representative 9.9% APR (variable). Credit available subject to status.

Your actual credit limit and APR may vary depending on our credit assessment of you.

Royal Bank of Scotland

The Royal Bank Credit Card
Royal Bank of Scotland logo

9.9%

p.a. variable on purchases

No fee

Annual fee

Representative Example:

Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 9.9% (variable), representative 9.9% APR (variable). Credit available subject to status.

Your actual credit limit and APR may vary depending on our credit assessment of you.

Royal Bank of Scotland

Reward Credit Card
Royal Bank of Scotland logo

21.9%

p.a. variable on purchases

£24

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), with a £24 annual fee, representative 26.8% APR (variable). Credit available subject to status.

Barclaycard

Rewards Credit Card
Barclaycard logo

22.9%

p.a. variable on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status. 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.

Vanquis Bank

Chrome 29.3% Credit Card
Vanquis Bank logo

29.3%

p.a. variable on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.3% (variable), representative 29.3% APR (variable). Credit available subject to status.

Vanquis Bank

Visa Credit Card
Vanquis Bank logo

39.90%

p.a. variable on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.90% (variable), representative 39.9% APR (variable). Credit available subject to status.

Vanquis Bank

Origin Credit Card
Vanquis Bank logo

59.9%

p.a. variable on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 59.90% (variable), representative 59.9% APR (variable). Credit available subject to status.

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  • Compare 0% Purchase Credit Cards

    Would you like to apply for a 0% purchase credit card but aren’t sure where to start? Broaden your horizons with our selection of spending cards below; ideal for spreading payments out over several months and giving you added security when making expensive purchases.

    What is a 0% purchase credit card?

    Whether you’re trying to pay for a holiday, or purchasing white goods such as a washing machine or refrigerator, a 0% purchase credit card won’t add on any interest for the time stated. This means you can spread the overall cost and pay it back in your own time.

    In addition, there is added security with purchases. If a fraudulent transaction is made on your spending card, the bank will be able to step in and claim the money back on your behalf. This also applies to faulty items, a service not given or a company going out of business.

    What is the best 0% purchase credit card for me?

    It’s worth looking through our selection of 0% purchase credit cards to discover the right one for your needs. Don’t worry if you’re new to financial wisdom; watch out for the following important features:

    • 0% purchase period: This is the amount of time you have to make purchases without accruing annual interest. Try to make sure that you pay off the balance by the end of the interest free period, otherwise you will start accruing interest
    • Annual fee: Some 0% purchase credit cards come with an annual fee that you will have to pay. Check whether the credit card comes with a fee before you apply
    • APR: The Annual Purchase Rate dictates how much you will pay across a year of borrowing using the card. This will only apply once the 0% interest period has finished
    • Credit rating: Your credit score or rating is an indication of your financial health and can be affected by many different things. If you want to find out if your credit rating is good, you can compare credit reports here

    Still feeling a bit unsure? Walk the Guru’s path by using our moneymatcher comparison tool. By inputting a few details, our clever moneymatcher tool can show you credit cards that you are most eligible for, all without affecting your credit score.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

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