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What is your current APR?%APR

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MBNA All Round Credit Card
MBNA All Round Credit Card Image
0% Purchase offer duration
26 months
Rep % APR (variable)
20.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 20.93% p.a. (variable) your representative APR will be 20.9% APR (variable)

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Guaranteed Rate

You are guaranteed to get the rate shown if you're accepted

Virgin Money 23 Month All Round Credit Card 21.9%
Virgin Money 23 Month All Round Credit Card 21.9% Image
0% Purchase offer duration
20 months
Rep % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 23 Month All Round Credit Card 23.9%
Virgin Money 23 Month All Round Credit Card 23.9% Image
0% Purchase offer duration
20 months
Rep % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 23 Month All Round Credit Card 25.9%
Virgin Money 23 Month All Round Credit Card 25.9% Image
0% Purchase offer duration
20 months
Rep % APR (variable)
25.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

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M&S Bank Credit Card
M&S Bank Credit Card Image
0% Purchase offer duration
20 months
Rep % APR (variable)
19.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APR will be 19.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 20 Month All Round Credit Card 27.9%
Virgin Money 20 Month All Round Credit Card 27.9% Image
0% Purchase offer duration
17 months
Rep % APR (variable)
27.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

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Halifax 25 Month Balance Transfer Credit Card
Halifax 25 Month Balance Transfer Credit Card Image
0% Purchase offer duration
12 months
Rep % APR (variable)
19.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) your representative APR will be 19.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money Travel Credit Card 21.9%
Virgin Money Travel Credit Card 21.9% Image
0% Purchase offer duration
12 months
Rep % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money Travel Credit Card 23.9%
Virgin Money Travel Credit Card 23.9% Image
0% Purchase offer duration
12 months
Rep % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

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Your matches will continue below

Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money Travel Credit Card 25.9%
Virgin Money Travel Credit Card 25.9% Image
0% Purchase offer duration
12 months
Rep % APR (variable)
25.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

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Your matches will continue below

Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money Travel Credit Card 27.9%
Virgin Money Travel Credit Card 27.9% Image
0% Purchase offer duration
12 months
Rep % APR (variable)
27.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 27.9% p.a. (variable) your representative APR will be 27.9% APR (variable)

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M&S Bank Reward Plus Credit Card
M&S Bank Reward Plus Credit Card Image
0% Purchase offer duration
6 months
Rep % APR (variable)
19.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APR will be 19.9% APR (variable)

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HSBC Rewards Credit Card
HSBC Rewards Credit Card Image
0% Purchase offer duration
6 months
Rep % APR (variable)
21.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

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Your matches will continue below

Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 27 Month Balance Transfer Credit Card 23.9%
Virgin Money 27 Month Balance Transfer Credit Card 23.9% Image
0% Purchase offer duration
3 months
Rep % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

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Your matches will continue below

Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Virgin Money 29 Month Balance Transfer Credit Card 23.9%
Virgin Money 29 Month Balance Transfer Credit Card 23.9% Image
0% Purchase offer duration
3 months
Rep % APR (variable)
23.9 % APR

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card.

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

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What do 'pre-approved' and 'card approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks.

Card approved means that you will get accepted for the card, providing the information you give is accurate and you pass the lender's checks, but could be offered a different rate to that advertised.

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What is a 0% purchase card?

If you’re planning a major purchase, a 0% purchase credit card is the cheapest way to borrow. These cards offer an interest-free period during which you can spread the cost of larger purchases.

Providing you can pay the entire balance back before the interest-free period ends, a 0% purchase card can be an unrivalled addition to your wallet.

Aside from taking advantage of the interest rate offers available, 0% purchase cards offer free consumer protection: Under Section 75, the credit card company is jointly liable with the supplier for any failed goods and services between £100 and £30,000 – making a 0% purchase card a useful tool when online shopping.


Is a 0% purchase card right for me?

For larger purchases, such as annual season tickets, 0% purchase cards make an ideal choice. However, existing debts or uncleared balances can quickly wipe out the benefits of these cards. Read this to find out if a 0% purchase card is right for you:

  • Can you afford to clear the debt quickly? If you know you can repay for larger purchases within the card's interest free period, a 0% purchase card is ideal for you.

  • Do you have a good credit score? Each lender has their own criteria, but if you are starting to build up your credit history you could struggle to get a 0% purchase card. Our credit comparison tool will find out if there are any deals you may be accepted for, without harming your credit rating.

  • Do you have existing credit card debts? If you’re currently paying interest on an existing card, it's most likely that your best option is to transfer your debt to a 0% balance transfer card. Check out our best balance transfer cards here.


Golden rules for 0% purchase cards

  • Check before you transfer a balance: If you transfer an existing credit card balance to a 0% purchase card, you may find yourself being charged interest. Check your deal carefully to see if the 0% is for balance transfers as well as purchases. It pays to read the full terms and conditions.

  • Ensure your borrowing stays free: If you miss a payment, or are late making a payment, you may incur a financial penalty. Combat this by setting up a direct debit to cover at least the minimum repayment each month.

  • Understand your minimum payments: The amount you repay each month on a 0% purchase card is not decided according to your interest rate. Instead, you have a lot more control over your payments. You can opt to either pay the minimum or you can ask to repay a set amount each month. If there is a chance that the minimum payment will be higher than your current credit card, make sure you can afford it.

  • Never outstay your welcome: Be aware that the 0% interest on your card is only for a limited time. It’s worth making a note of this date in your phone or diary. When it runs out, any remaining balance will start incurring interest at a usually uncompetitive rate. Clearing your balance before the 0% period runs out is highly recommended.

In the event that you can’t clear your balance in time, switch the debt to a new balance transfer card. Just ensure you allow enough time for the application to be processed. Start shopping around for a new card at least a month before your 0% interest offer runs out – our free credit card comparison tool can help.