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0% Purchase Credit Cards

Balance Transfer Calculator

Barclaycard

27 Month Platinum All Rounder Credit Card
Barclaycard logo

27 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. 3.5% Balance Transfer Fee applies. (Terms and conditions apply).

M&S Bank

Shopping Plus Offer Credit Card
M&S Bank logo

20 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.

Virgin Money

23 Month All Round Credit Card - Representative APR 21.9%
Virgin Money logo

20 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.

Virgin Money

23 Month All Round Credit Card - Representative APR 23.9%
Virgin Money logo

20 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

23 Month All Round Credit Card - Representative APR 25.9%
Virgin Money logo

20 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

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. 

Virgin Money

20 Month All Round Credit Card - Representative APR 27.9%
Virgin Money logo

17 months

0% interest on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.9% (variable), representative 27.9% APR (variable). Credit available subject to status.

Virgin Money

Travel Credit Card - Representative APR 21.9%
Virgin Money 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 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status.

Virgin Money

Travel Credit Card - Representative APR 23.9%
Virgin Money 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 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

Travel Credit Card - Representative APR 25.9%
Virgin Money 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 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

Virgin Money

Travel Credit Card - Representative APR 27.9%
Virgin Money 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 27.9% (variable), representative 27.9% APR (variable). Credit available subject to status.

M&S Bank

Transfer Plus Offer Credit Card
M&S Bank 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 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

M&S Bank

Reward Credit Card
M&S Bank 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 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

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.

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 19.9% (variable), representative 19.9% 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 19.9% (variable), representative 19.9% 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. 

Virgin Money

27 Month Balance Transfer Card - Representative APR 21.9%
Virgin Money 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.

Virgin Money

29 Month Balance Transfer Credit Card - Representative APR 21.9%
Virgin Money 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.

Virgin Money

27 Month Balance Transfer Card - Representative APR 23.9%
Virgin Money 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 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

29 Month Balance Transfer Card - Representative APR 23.9%
Virgin Money 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 23.9% (variable), representative 23.9% APR (variable). Credit available subject to status.

Virgin Money

27 Month Balance Transfer Card - Representative APR 25.9%
Virgin Money 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 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

Virgin Money

29 Month Balance Transfer Credit Card - Representative APR 25.9%
Virgin Money 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 25.9% (variable), representative 25.9% APR (variable). Credit available subject to status.

Virgin Money

24 Month Balance Transfer Card - Representative APR 27.9%
Virgin Money 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 27.9% (variable), representative 27.9% APR (variable). Credit available subject to status.

Barclaycard

Forward Credit Card
Barclaycard 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 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.

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.

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

Reward Credit Card
Royal Bank of Scotland logo

18.9%

p.a. variable on purchases

£24

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), with a £24 annual fee, representative 23.7% 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.

Vanquis Bank

Chrome 24.7% Credit Card
Vanquis Bank logo

24.7%

p.a. variable on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.7% (variable), representative 24.7% APR (variable). Credit available subject to status.

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

Aquis Visa Credit Card
Vanquis Bank logo

29.84%

p.a. variable on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.

Vanquis Bank

Visa Credit Card
Vanquis Bank logo

39.94%

p.a. variable on purchases

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.94% (variable), representative 39.9% APR (variable). Credit available subject to status.

Capital on Tap

Self Employed Credit Card
Capital on Tap logo

39.9%

p.a. variable on purchases

No fee

Annual fee

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

118 118 Money

118 118 Money Card
118 118 Money logo

0.00%

p.a. variable on purchases

£168

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at an Interest Rate of 0% p.a. APR (fixed), with a monthly subscription fee of £14 your total amount payable will be £1,368Representative APR 28.9% APR. Credit available subject to status. One simple monthly fee starting from £3 (Dependent on your credit limit, maximum £14 a month) irrespective of what you borrow each month.

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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 very best one for you. 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. It could even be seen as the amount of time you have to pay back an expensive item
    • Annual fee: Some 0% purchase credit cards come with an annual fee that you will have to pay. A larger fee often indicates another benefit you will receive as part of this payment
    • 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 just a few details, we can create a tailored list of recommended credit cards, 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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How to use Money Guru

Money Guru is an unbiased comparer of loans, credit cards, mortgages, current accounts, business accounts and credit reports. With our moneymatcher tool you can narrow down your search and find the best option for you.

  • Use moneymatcher to check your eligibility
  • Compare the latest products and find the best option for you
  • A huge panel of lenders and providers to choose from
  • Wisdom articles and insights to help you make an informed decision